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. 05, 2022
Filed:
Mar. 21, 2017
Wells Fargo Bank, N.a., San Francisco, CA (US);
Alan W. Hecht, Chanhassen, MN (US);
Ann M. Kirk, Deerwood, MN (US);
Brian M. Pearce, Pleasanton, CA (US);
Steven E. Puffer, Champlin, MN (US);
Wairnola Marria Rhodriquez, San Francisco, CA (US);
Javier S. Silva, Concord, NC (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
A method of performing a real-time non-inquiry electronic transaction is provided. The method includes receiving, by a paying bank computing system associated with a paying bank, a posting of a transaction from an account verification service, the transaction corresponding to a transfer of funds from the paying bank computing system to a depository computing system associated with a depository bank. The method further includes sending, by the paying bank computing system, an acknowledgement of the transaction to the account verification service, wherein the transaction is determined to be a non-inquiry transaction such that the transaction is posted at the depository bank computing system without performing an initial inquiry regarding the transaction at the account verification service.