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:
Apr. 06, 2021
Filed:
Jun. 10, 2019
Early Warning Services, Llc, Scottsdale, AZ (US);
Sri Saravana Muthu, San Francisco, CA (US);
Jeffrey Cornman, San Francisco, CA (US);
Michael Joseph Kennedy, San Francisco, CA (US);
Sergei Lilichenko, Orinda, CA (US);
Melissa Lowry, San Francisco, CA (US);
Clinton Gilliam, III, San Francisco, CA (US);
EARLY WARNING SERVICES, LLC, Scottsdale, AZ (US);
Abstract
A method including registering, by a computer system of a second financial institution, a recipient using at least one public identifier. The method also can include receiving an expedited funds transfer message. The method additionally can include determining the account number of the recipient account using the private identifier. The method further can include, before the second financial institution receives the sender funds, the second financial institution providing the recipient funds to the recipient account using the account number of the recipient account before the second financial institution receives the sender funds. The method additionally can include notifying the recipient, using at least one of the at least one public identifier, that a payment has been provided to the recipient account in real-time after initiation of the expedited funds transfer message from the first financial institution. Other embodiments are disclosed.