Mark A Bowman

US Patent:

20150242823, Aug 27, 2015

Filed:

Apr 27, 2015

Appl. No.:

14/697556

Inventors:

- Brookfield WI, US
Michael Edward Martin - Lawrenceville GA, US
Mark T. Harris - Westerville OH, US
Juan Carlos Miqueli - Suwanee GA, US
Brian Corey Sondergaard - Suwanee GA, US
David Michael Keenan - Wilmette IL, US
Mark Edward Bowman - Canton GA, US

International Classification:

G06Q 20/02
G06Q 20/22

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.

US Patent:

20150199670, Jul 16, 2015

Filed:

Jan 13, 2015

Appl. No.:

14/595970

Inventors:

- Brookfield WI, US
Michael Edward Martin - Lawrenceville GA, US
Mark T. Harris - Westerville OH, US
Juan Carlos Miqueli - Suwanee GA, US
Brian Corey Sondergaard - Suwanee GA, US
David Michael Keenan - Wilmette IL, US
Mark Edward Bowman - Canton GA, US

International Classification:

G06Q 20/24
G06Q 20/10

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.

US Patent:

20140188728, Jul 3, 2014

Filed:

Dec 31, 2012

Appl. No.:

13/731992

Inventors:

- Brookfield WI, US
Michael Edward Martin - Lawrenceville GA, US
Mark T. Harris - Westerville OH, US
Juan Carlos Miqueli - Suwanee GA, US
Brian Corey Sondergaard - Suwanee GA, US
David Michael Keenan - Wilmette IL, US
Mark Edward Bowman - Canton GA, US

Assignee:

Fiserv, Inc. - Brookfield WI

International Classification:

G06Q 20/22

US Classification:

705 44, 705 39

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.