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.

Date of Patent:
Dec. 30, 2025

Filed:

Nov. 24, 2020
Applicant:

Fidelity Information Services, Llc, Jacksonville, FL (US);

Inventors:

Lisa Dill, Tampa, FL (US);

Lauren Morrison, Jacksonville, FL (US);

Jeanette Garrett, Jacksonville, FL (US);

Assignee:

FIDELITY INFORMATION SERVICES, LLC, Jacksonville, FL (US);

Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 40/02 (2023.01);
U.S. Cl.
CPC ...
G06Q 40/02 (2013.01);
Abstract

Systems and methods for real time, online transaction processing are disclosed. The system may include one or more memory units storing instructions and one or more processors configured to execute the instructions to perform a method. The method may include receiving, from an event broker, event data that includes account data. The operations may include using a data structure to identify an issuer system associated with the account data and an enrollment status of the issuer system. The method may include generating a filtered transaction data structure to an analyzer and receiving a result data structure. The method may include generating, based on the result data structure, a linked data structure comprising installment loan parameters and an online address. The method may include routing the linked data structure to a user device and receiving approval data that triggers an account allocation.


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