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    METHODS FOR PAYMENT AND MERCHANT SYSTEMS
    21.
    发明公开
    METHODS FOR PAYMENT AND MERCHANT SYSTEMS 审中-公开

    公开(公告)号：US20240185256A1

    公开(公告)日：2024-06-06

    申请号：US18438092

    申请日：2024-02-09

    Applicant: Cosmin-Gabriel ENE

    Inventor： Cosmin-Gabriel ENE

    IPC: G06Q20/40 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/24 ,  G07G1/14

    CPC classification number: G06Q20/405 ,  G06Q20/102 ,  G06Q20/12 ,  G06Q20/24 ,  G06Q20/40 ,  G07G1/14

    Abstract: Methods for payment and/or merchant system which facilitates the payment of very small monetary amounts, making the payment more secure for the user. The method for a payment system for at least one online shop relies on an identifier of a user device for recording at least one identification number of the user device, for receiving and confirming direct debit orders, and for storing the direct debit orders. Such method monitors the total of the debit amounts in relation to the identification number and to request a user of the user device to register after a predetermined time interval and/or on exceeding a predetermined value of the total payable, in order to settle at least part of the total payable.

    Systems and methods for real-time account access
    26.
    发明授权
    Systems and methods for real-time account access 有权

    公开(公告)号：US11983708B2

    公开(公告)日：2024-05-14

    申请号：US18052902

    申请日：2022-11-04

    Applicant: Fidelity Information Services, LLC

    Inventor： Peter Gordon ,  Neil Marcous ,  Robert Woodbury

    IPC: G06Q20/38 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/40

    CPC classification number: G06Q20/3829 ,  G06Q20/023 ,  G06Q20/10 ,  G06Q20/40

    Abstract: Systems, methods, and computer-readable media are provided for processing and settling financial transactions. An example method comprises receiving a transaction from an originator. The transaction comprises information associated with an identification of an initiating user or the account. The method comprises determining the actual account number, transmitting a financial services transaction request comprising the actual account number to a financial institution, receiving a response, and transmitting a response back to the originator. Another method comprises receiving, from a user device, a request to associate a financial account with a user account. The method comprises generating and sending an association message to a payment network and receiving a key associated with the financial account for use in initiating financial transactions. Another method comprises utilizing such a key to generate and process a transaction request. Other systems, methods, and media are also provided.

    Method and System for Reduced-Risk Extension of Credit
    27.
    发明公开
    Method and System for Reduced-Risk Extension of Credit 审中-公开

    公开(公告)号：US20240135444A1

    公开(公告)日：2024-04-25

    申请号：US18218393

    申请日：2023-07-04

    Applicant: Steven J. Zeringue

    Inventor： Steven J. Zeringue

    IPC: G06Q40/03 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/24 ,  G06Q20/40 ,  G06Q40/02

    CPC classification number: G06Q40/03 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/24 ,  G06Q20/40 ,  G06Q20/4037 ,  G06Q20/405 ,  G06Q40/02

    Abstract: A system and method for extending a firm offer of credit without regard to the credit risk profile of the credit applicant is disclosed. Using seller-defined and/or system and method provider configured business rules and related payment computations, the system derives a series of initial payments representing a “down payment.” After the down payment is collected, the goods or services are delivered. The purchaser may elect upfront from a plurality of payment options, including the automatic collection through recurring pre-authorized electronic funds transfers to a deposit account or via authorized and settled credit or debit card authorization(s). A purchaser using either of these options has the option, upon receipt of the goods or services, to pay the remaining balance through the continuation of electronic funds transfers or, at any point prior to completion of payments using a “one-time authorized amount for the balance due” alternative form of payment like cash, credit or debit card, to pay off the remaining balance.

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