The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Sep. 08, 2020
Filed:
Apr. 18, 2016
Early Warning Services, Llc, Scottsdale, AZ (US);
Gyorgyi Novac, Scottsdale, AZ (US);
Chuck Hutchison, Phoenix, AZ (US);
Lou Anne Alexander, Scottsdale, AZ (US);
Austin McCormick, Scottsdale, AZ (US);
Laura Weinflash, Scottsdale, AZ (US);
Rajesh Kulkarni, Scottsdale, AZ (US);
EARLY WARNING SERVICES, LLC, Scottsdale, AZ (US);
Abstract
A method including receiving a first promise-to-pay message at a transaction system. The method also can include storing the first promise-to-pay message in the transaction system. The method additionally can include sending a second promise-to-pay message from the transaction system to a second financial institution. The method further can include receiving a first response at the transaction system from the second financial institution indicating a successful credit of the second account maintained by the second financial institution. The method additionally can include storing the first response in the transaction system. The method further can include sending a second response from the transaction system indicating the successful credit of the second account maintained by the second financial institution to inform at least the sender in real-time after the payment authorization time of the successful credit of the second account maintained by the second financial institution. Other embodiments are provided.