Patents
US 12632839 B2: Systems and methods for executing real-time electronic transactions by a dynamically determined transfer execution date
- Granted
- 2026-05-19
- Filed
- 2022-11-15 application 18055500
- Type
- Utility · 20 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
Abstract
Systems and methods for executing real-time electronic transactions by a dynamically determined transfer execution date are disclosed. One method includes receiving, at an application programing interface (API) system, an electronic transaction request on a receipt date. The API system may identify a value associated with the electronic transaction request as well as a threshold settlement date. The value may then be compared to a predetermined threshold and at least one transaction network certified to process the electronic transaction request may be ascertained. The API system may project a processing time for each of the ascertained transaction networks. An optimal transaction network and transfer execution date may be determined based on comparison of the projected processing times to a timeline designated by the receipt date and the threshold settlement date. The electronic transaction request may be processed into a recipient account on the transfer execution date via the optimal transaction network.
Source: PTBLXML, file of 2026-05-19 (ipgb20260519.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| WORLDPAY, LLC 477 patents | US company or organization | Symmes Township, OH | PTBLXML, file of 2026-05-19 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| William J. Wied | Austin, TX | 23 | PTBLXML, file of 2026-05-19 | |
| Aman S. Cheema | Warwickshire, GB | 14 | PTBLXML, file of 2026-05-19 | |
| Manuela Dragan | Westfield, NJ | 20 | PTBLXML, file of 2026-05-19 | |
| Stephen E. Dinan | Austin, TX | 23 | PTBLXML, file of 2026-05-19 |
CPC categories
| Subclass | Category | First group | Source |
|---|---|---|---|
| G06Q | Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial or supervisory purposes; systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not otherwise provided for | G06Q20/047 | PTBLXML, file of 2026-05-19 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
| Recorded | What | From | To | Reel/frame | Source |
|---|---|---|---|---|---|
| 2026-01-12 | Release of security interest Release of security interest in intellectual property recorded at r/f 066624/0719 | JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT signed 2026-01-09 | WORLDPAY, LLC CINCINNATI, OH | 74315/412 | PASDL, file of 2026-10-25 |
| 2026-01-12 | Release of security interest Release of security interests recorded at reel/frames 066626/0655, 066625/0426, 066625/0347, and 066625/0276 | WILMINGTON TRUST, NATIONAL ASSOCIATION, AS NOTES COLLATERAL AGENT signed 2026-01-09 | WORLDPAY, LLC CINCINNATI, OH WORLDPAY ISO AND ECOMMERCE, LLC CINCINNATI, OH PAYMETRIC, LLC CINCINNATI, OH WORLDPAY US, LLC CINCINNATI, OH | 74314/622 | PASDL, file of 2026-10-25 |
| 2024-02-19 | Security interest Security interest Security interest | WORLDPAY, LLC signed 2024-01-31 | WILMINGTON TRUST, NATIONAL ASSOCIATION, AS NOTES COLLATERAL AGENT MINNEAPOLIS, MN | 66626/655 | PASDL, file of 2026-10-25 |
| 2024-02-19 | Security interest Security interest Security interest | WORLDPAY, LLC signed 2024-01-31 | JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT NEWARK, DE | 66624/719 | PASDL, file of 2026-10-25 |
| 2024-02-05 | Assignment Assignment of assignor's interest | FIDELITY INFORMATION SERVICES, LLC signed 2024-01-30 | WORLDPAY, LLC SYMMES TOWNSHIP, OH | 66345/536 | PASDL, file of 2026-10-15 |
| 2022-11-15 | Assignment Assignment of assignor's interest | WIED, WILLIAM J. signed 2021-07-08 CHEEMA, AMAN S. signed 2021-07-09 DRAGAN, MANUELA signed 2021-07-19 DINAN, STEPHEN E. signed 2021-07-09 | FIDELITY INFORMATION SERVICES, LLC JACKSONVILLE, FL | 61772/801 | PASDL, file of 2026-10-15 |
Documents recorded with the USPTO Assignment Recordation Branch that list this patent. A security interest is a lender’s claim on the patent as collateral; a release ends it.
USPTO bulk data: PatentsView granted patents, disambiguated (PVGPATDIS) for patents, assignees, inventors, places and CPC categories; the USPTO Patent Assignment Dataset (ECORSEXC) for assignments and security interests. Patents filed in the last 20 years. No claims or full text. Links to other records are by name (and state): EXACT means the identical full name and state; FUZZY means a looser name match, with the confidence shown.