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:
Jun. 23, 2026
Filed:
Aug. 04, 2022
Wells Fargo Bank, N.a., San Francisco, CA (US);
Alan W. Hecht, Chanhassen, MN (US);
Tina Diane Mccoy, San Francisco, CA (US);
Sotirios K. Barkas, San Jose, CA (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
Systems, methods, and computer-readable storage media of performing exchanges based on an exchange model utilizing data elements are disclosed. One method includes receiving, by a first processing circuit from a biller computing system of a biller, a data set comprising a consumer digital payment system (DPS) token associated with a consumer of a second processing circuit, formatting, by the processing circuit, a request for payment (RFP) message based on the consumer DPS token of the second processing circuit, transmitting, by the processing circuit to the second processing circuit via a real-time payment (RTP) network, the RFP message, receiving, by the processing circuit from the RTP network, a status message indicating the second processing circuit accepted the RFP message, and transmitting, by the processing circuit to the biller computing system, the RFP message was accepted.