Patents by Inventor Neil Marcous
Neil Marcous has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11928664Abstract: Systems and methods are provided for processing cardless financial transactions at transaction devices such as Automated Teller Machines. An example method comprises receiving a transaction request including at least one transaction parameter and receiving a substitute value representing an account for processing the transaction request. The substitute value is distinct from an account number associated with the account. The method further comprises sending the at least one transaction parameter and the substitute value to a payment network associated with the substitute value and completing the transaction request. A second method comprises receiving a transaction request with at least one transaction parameter and a substitute value. The second method further comprises determining account credentials associated with the substitute value using the account credentials.Type: GrantFiled: May 14, 2020Date of Patent: March 12, 2024Assignee: Fidelity Information Services, LLCInventors: Hitesh Bajaj, Douglas G. Brown, Robert Woodbury, Neil Marcous, Peter Gordon, Renee Goodheart, Mark Elliott
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Publication number: 20230123772Abstract: Systems and methods for real-time account access, allowing access to accounts (such as deposit, credit, or debit accounts) through network processing infrastructures such as Electronic Funds Transfer (EFT). In some embodiments, consumers and/or merchants are able to effect transaction requests against accounts, using a pseudo-Identifier or other identifier, and without the need to provide an account number or card number. In other embodiments, payment networks are able to route and process transaction requests against accounts, without having a card number or account number. In other embodiments, account processing systems are able to determine an appropriate account based on transaction requests that do not contain card numbers or account numbers.Type: ApplicationFiled: December 19, 2022Publication date: April 20, 2023Inventors: Neil MARCOUS, Robert WOODBURY, Peter GORDON
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Publication number: 20230101168Abstract: 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.Type: ApplicationFiled: November 4, 2022Publication date: March 30, 2023Inventors: Peter GORDON, Neil MARCOUS, Robert WOODBURY
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Patent number: 11562334Abstract: Systems and methods for real-time account access, allowing access to accounts (such as deposit, credit, or debit accounts) through network processing infrastructures such as Electronic Funds Transfer (EFT). In some embodiments, consumers and/or merchants are able to effect transaction requests against accounts, using a pseudo-identifier or other identifier, and without the need to provide an account number or card number. In other embodiments, payment networks are able to route and process transaction requests against accounts, without having a card number or account number. In other embodiments, account processing systems are able to determine an appropriate account based on transaction requests that do not contain card numbers or account numbers.Type: GrantFiled: May 13, 2020Date of Patent: January 24, 2023Assignee: Fidelity Information Services, LLCInventors: Neil Marcous, Robert Woodbury, Peter Gordon
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Patent number: 11556907Abstract: Systems and methods for real-time account access, allowing access to accounts (such as deposit, credit, or debit accounts) through network processing infrastructures such as Electronic Funds Transfer (EFT). In some embodiments, consumers and/or merchants are able to effect transaction requests against accounts, using a pseudo-identifier or other identifier, and without the need to provide an account number or card number. In other embodiments, payment networks are able to route and process transaction requests against accounts, without having a card number or account number. In other embodiments, account processing systems are able to determine an appropriate account based on transaction requests that do not contain card numbers or account numbers.Type: GrantFiled: December 16, 2019Date of Patent: January 17, 2023Assignee: Fidelity Information Services, LLCInventors: Neil Marcous, Robert Woodbury, Peter Gordon
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Patent number: 11526878Abstract: 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.Type: GrantFiled: November 26, 2019Date of Patent: December 13, 2022Assignee: PayNet Payments Network, LLCInventors: Peter Gordon, Neil Marcous, Robert Woodbury
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Publication number: 20200273004Abstract: Systems and methods for real-time account access, allowing access to accounts (such as deposit, credit, or debit accounts) through network processing infrastructures such as Electronic Funds Transfer (EFT). In some embodiments, consumers and/or merchants are able to effect transaction requests against accounts, using a pseudo-identifier or other identifier, and without the need to provide an account number or card number. In other embodiments, payment networks are able to route and process transaction requests against accounts, without having a card number or account number. In other embodiments, account processing systems are able to determine an appropriate account based on transaction requests that do not contain card numbers or account numbers.Type: ApplicationFiled: May 13, 2020Publication date: August 27, 2020Inventors: Neil MARCOUS, Robert WOODBURY, Peter GORDON
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Publication number: 20200273016Abstract: Systems and methods are provided for processing cardless financial transactions at transaction devices such as Automated Teller Machines. An example method comprises receiving a transaction request including at least one transaction parameter and receiving a substitute value representing an account for processing the transaction request. The substitute value is distinct from an account number associated with the account. The method further comprises sending the at least one transaction parameter and the substitute value to a payment network associated with the substitute value and completing the transaction request. A second method comprises receiving a transaction request with at least one transaction parameter and a substitute value. The second method further comprises determining account credentials associated with the substitute value using the account credentials.Type: ApplicationFiled: May 14, 2020Publication date: August 27, 2020Inventors: Hitesh BAJAJ, Douglas G. BROWN, Robert WOODBURY, Neil MARCOUS, Peter GORDON, Renee GOODHEART, Mark ELLIOT
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Publication number: 20200273027Abstract: 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.Type: ApplicationFiled: May 13, 2020Publication date: August 27, 2020Inventors: Peter GORDON, Neil MARCOUS, Robert WOODBURY
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Publication number: 20200118099Abstract: Systems and methods for real-time account access, allowing access to accounts (such as deposit, credit, or debit accounts) through network processing infrastructures such as Electronic Funds Transfer (EFT). In some embodiments, consumers and/or merchants are able to effect transaction requests against accounts, using a pseudo-identifier or other identifier, and without the need to provide an account number or card number. In other embodiments, payment networks are able to route and process transaction requests against accounts, without having a card number or account number. In other embodiments, account processing systems are able to determine an appropriate account based on transaction requests that do not contain card numbers or account numbers.Type: ApplicationFiled: December 16, 2019Publication date: April 16, 2020Inventors: Neil MARCOUS, Robert WOODBURY, Peter GORDON
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Publication number: 20200097962Abstract: 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.Type: ApplicationFiled: November 26, 2019Publication date: March 26, 2020Inventors: Peter GORDON, Neil Marcous, Robert Woodbury
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Patent number: 10552807Abstract: Systems and methods for real-time account access, allowing access to accounts (such as deposit, credit, or debit accounts) through network processing infrastructures such as Electronic Funds Transfer (EFT). In some embodiments, consumers and/or merchants are able to effect transaction requests against accounts, using a pseudo-identifier or other identifier, and without the need to provide an account number or card number. In other embodiments, payment networks are able to route and process transaction requests against accounts, without having a card number or account number. In other embodiments, account processing systems are able to determine an appropriate account based on transaction requests that do not contain card numbers or account numbers.Type: GrantFiled: March 15, 2013Date of Patent: February 4, 2020Assignee: PayNet Payments Network, LLCInventors: Neil Marcous, Robert Woodbury, Peter Gordon
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Patent number: 10535064Abstract: 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.Type: GrantFiled: November 15, 2013Date of Patent: January 14, 2020Assignee: PayNet Payments Network, LLCInventors: Peter Gordon, Neil Marcous, Robert Woodbury
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Publication number: 20150199671Abstract: Systems and methods are provided for processing cardless financial transactions at transaction devices such as Automated Teller Machines. An example method comprises receiving a transaction request including at least one transaction parameter and receiving a substitute value representing an account for processing the transaction request. The substitute value is distinct from an account number associated with the account. The method further comprises sending the at least one transaction parameter and the substitute value to a payment network associated with the substitute value and completing the transaction request. A second method comprises receiving a transaction request with at least one transaction parameter and a substitute value. The second method further comprises determining account credentials associated with the substitute value using the account credentials.Type: ApplicationFiled: January 13, 2014Publication date: July 16, 2015Applicant: Fidelity National E-Banking Services, Inc.Inventors: Hitesh Bajaj, Douglas G. Brown, Robert Woodbury, Neil Marcous, Peter Gordon, Renee Goodheart, Mark Elliott
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Publication number: 20140074724Abstract: 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.Type: ApplicationFiled: November 15, 2013Publication date: March 13, 2014Applicant: PayNet Payments Networks, LLCInventors: Peter GORDON, Neil MARCOUS, Robert WOODBURY
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Publication number: 20130246274Abstract: Systems and methods for real-time account access, allowing access to accounts (such as deposit, credit, or debit accounts) through network processing infrastructures such as Electronic Funds Transfer (EFT). In some embodiments, consumers and/or merchants are able to effect transaction requests against accounts, using a pseudo-identifier or other identifier, and without the need to provide an account number or card number. In other embodiments, payment networks are able to route and process transaction requests against accounts, without having a card number or account number. In other embodiments, account processing systems are able to determine an appropriate account based on transaction requests that do not contain card numbers or account numbers.Type: ApplicationFiled: March 15, 2013Publication date: September 19, 2013Applicant: PayNet Payments Network, LLCInventors: Neil Marcous, Robert Woodbury, Peter Gordon