FACILITATION OF REAL-TIME PAYMENT NETWORK TRANSACTIONS
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United States of America Patent
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Issued Date -
Aug 10, 2023
app pub date -
Apr 18, 2023
filing date -
Apr 10, 2019
priority date (Note) -
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status (Latency Note)
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Abstract
A request for payment message is received. The message includes transaction data. A transaction identifier is generated. The transaction data is stored in association with the transaction identifier. The transaction identifier is transmitted to an acquirer bank. A request to retrieve data is received from a payer's bank. The request to retrieve data includes the transaction identifier. At least some of the transaction data is transmitted to the payer's bank. A confirmation is received from the payer's bank. The confirmation indicates that a real-time payment has been made in accordance with the request for payment message.
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