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US Patent 7840465 Systems and methods for conducting real-time application of electronic payments

Patent 7840465 was granted and assigned to USAA on November, 2010 by the United States Patent and Trademark Office.

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Patent
Patent

Patent attributes

Current Assignee
USAA
USAA
Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
Patent Number
7840465
Date of Patent
November 23, 2010
Patent Application Number
12105385
Date Filed
April 18, 2008
Patent Citations Received
‌
US Patent 12028407 System and method for updating interface elements based on real-time transfer protocol availability
0
‌
US Patent 11750687 System and method for updating interface elements based on real-time transfer protocol availability
Patent Primary Examiner
‌
James Trammell
Patent abstract

An organization electronically receives a payment from a customer of the organization based on a current time. If the current time is before a predetermined time relating to an identified payment due date, a non-real-time payment system is employed to effectuate the payment from the customer. The non-real-time payment system processes the payment at a later time on or before the identified payment due date such that the payment is applied to the customer on or before the identified payment due date. If the current time is after a predetermined time relating to the identified payment due date, a real-time payment system is employed to effectuate the payment from the customer. The real-time payment system processes the payment at the current time such that the payment is applied to the customer at the current time.

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