Systems and methods for performing financial transactions
Number of patents in Portfolio can not be more than 2000
United States of America Patent
Stats
-
May 19, 2020
Grant Date -
Aug 27, 2015
app pub date -
Apr 27, 2015
filing date -
Dec 31, 2012
priority date (Note) -
In Force
status (Latency Note)
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Importance

US Family Size
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Non-US Coverage
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Abstract
Systems, methods and computer-readable media for initiating, facilitating and/or performing financial transactions are disclosed. A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request. Respective payment networks that provide access to the financial accounts may be identified. One or more of the financial accounts may be accessible in real-time via a respective payment network. A respective debit or credit instruction may be transmitted to each of the identified payment networks to post a debit or credit to a corresponding financial account. Corresponding debit and/or credit status information may be received, and various status indications may be generated and transmitted, potentially for presentation to the requestor.
First Claim
all claims..Other Claims data not available
Family

- 15 United States
- 10 France
- 8 Japan
- 7 China
- 5 Korea
- 2 Other
Patent Owner(s)
Patent Owner | Address | |
---|---|---|
FISERV INC | 255 FISERV DR P O BOX 979 BROOKFIELD WI 53008 |
International Classification(s)
Inventor(s)
Inventor Name | Address | # of filed Patents | Total Citations |
---|---|---|---|
Bowman, Mark Edward | Canton, US | 11 | 204 |
# of filed Patents : 11 Total Citations : 204 | |||
Dheer, Sanjeev | Scarsdale, US | 49 | 3956 |
# of filed Patents : 49 Total Citations : 3956 | |||
Harris, Mark T | Westerville, US | 19 | 1194 |
# of filed Patents : 19 Total Citations : 1194 | |||
Keenan, David Michael | Wilmette, US | 9 | 115 |
# of filed Patents : 9 Total Citations : 115 | |||
Martin, Michael Edward | Lawrenceville, US | 5 | 98 |
# of filed Patents : 5 Total Citations : 98 | |||
McMichael, William Richard | Cumming, US | 1 | 7 |
# of filed Patents : 1 Total Citations : 7 | |||
Miqueli, Juan Carlos | Suwanee, US | 5 | 98 |
# of filed Patents : 5 Total Citations : 98 | |||
Sondergaard, Brian Corey | Suwanee, US | 5 | 98 |
# of filed Patents : 5 Total Citations : 98 |
Cited Art Landscape
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Patent Citation Ranking
- 7 Citation Count
- G06Q Class
- 42.73 % this patent is cited more than
- 5 Age
Forward Cite Landscape
- No Forward Cites to Display

Maintenance Fees
Fee | Large entity fee | small entity fee | micro entity fee | due date |
---|---|---|---|---|
7.5 Year Payment | $3600.00 | $1800.00 | $900.00 | Nov 19, 2027 |
11.5 Year Payment | $7400.00 | $3700.00 | $1850.00 | Nov 19, 2031 |
Fee | Large entity fee | small entity fee | micro entity fee |
---|---|---|---|
Surcharge - 7.5 year - Late payment within 6 months | $160.00 | $80.00 | $40.00 |
Surcharge - 11.5 year - Late payment within 6 months | $160.00 | $80.00 | $40.00 |
Surcharge after expiration - Late payment is unavoidable | $700.00 | $350.00 | $175.00 |
Surcharge after expiration - Late payment is unintentional | $1,640.00 | $820.00 | $410.00 |
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