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:
Oct. 14, 2025
Filed:
Nov. 14, 2022
Wells Fargo Bank, N.a., San Francisco, CA (US);
Alan W. Hecht, Chanhassen, MN (US);
Azita Asefi, Vacaville, CA (US);
Ann M. Kirk, Deerwood, MN (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
A system, method, and apparatus for interdirectory funds transfers is provided. A method includes: receiving data from two or more payment directories, the data comprising information pertaining to a plurality of users, each of which are enrolled with at least one of the two or more peer-to-peer payment directories. The method includes receiving, by the federated directory management computer system, a request for a fund transfer to a payee and determining, by the federated directory management computer system based on the received data and the request, that the fund transfer is either an interdirectory transfer or an intradirectory transfer. The method includes identifying, by the federated directory management computer system based on the determination, a payment rail for the fund transfer and processing, by the federated directory management computer system based on the determination, the fund transfer via the identified fund rail.