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:
Nov. 10, 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 second financial institution. The method also can include performing a successful credit for the payment amount to a second account maintained by the second financial institution to make funds available in the second account in real-time after the payment authorization time. The method additionally can include sending a first response from the second financial institution 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.