Abstract: A bank account can be authenticated or confirmed by a user providing an account number and a debit card number. The payment provider then obtains user account information from the bank through a debit card network. The payment provider authenticates the account if the account numbers match. In another embodiment, authentication further requires a portion of a current bank balance in the account provided by the user to match the current balance received from the bank.

Abstract: A bank account can be authenticated or confirmed by a user providing an account number and a debit card number. The payment provider then obtains user account information from the bank through a debit card network. The payment provider authenticates the account if the account numbers match. In another embodiment, authentication further requires a portion of a current bank balance in the account provided by the user to match the current balance received from the bank.

Abstract: A bank account can be authenticated or confirmed by a user providing an account number and a debit card number. The payment provider then obtains user account information from the bank through a debit card network. The payment provider authenticates the account if the account numbers match. In another embodiment, authentication further requires a portion of a current bank balance in the account provided by the user to match the current balance received from the bank.

Abstract: A bank account can be authenticated or confirmed by a user providing an account number and a debit card number. The payment provider then obtains user account information from the bank through a debit card network. The payment provider authenticates the account if the account numbers match. In another embodiment, authentication further requires a portion of a current bank balance in the account provided by the user to match the current balance received from the bank.

Abstract: Systems, methods, and computer program products for providing a distributed instant fund transfer network are disclosed. For example, a computer-implemented method may include receiving, by a first server machine of a first financial institution, an instant fund transfer request from a user via a browser application, providing, by the first server machine, the instant fund transfer request to a second server machine of a financial services provider via a first application programming interface (API) chained by the financial services provider to a different API associated with a second financial institution, advancing, by the second server machine, funds from a cash account associated with the second financial institution regardless of whether transferred funds are received from the first financial institution, and providing, by the second server machine, instant fund transfer completion information to a third server machine of the second financial institution via the second API based on the chaining.

Abstract: A bank account can be authenticated or confirmed by a user providing an account number and a debit card number. The payment provider then obtains user account information from the bank through a debit card network. The payment provider authenticates the account if the account numbers match. In another embodiment, authentication further requires a portion of a current bank balance in the account provided by the user to match the current balance received from the bank.

Abstract: Embodiments for real-time global bank funds transfers include a new payment system for real-time global bank funds transfer. A funds transfer network and method allow global real-time fund transfers among banks. The new funds transfer service is much faster than Society for Worldwide Interbank Financial Telecommunication network (SWIFTNet) and much cheaper than real-time gross settlement systems (RTGS). In one or more embodiments, a Financial Service Provider (FSP) has accounts or agreements with Bank A and Bank B, for example. A first user with an account at Bank A requests a fund transfer to a second user at Bank B. The request goes through the FSP, which can confirm the first user. If confirmed, the FSP sends funds to Bank B instantaneously, so that the second user receives the money right away. The first user does not “see” the FSP at all, but instead makes the payment through his own bank (e.g., Bank A) to another bank (e.g., Bank A). The FSP then waits the standard 3-5 days for money from Bank A (e.g.

Abstract: Embodiments for instant banking funds transfers include methods and systems for providing financial services. The financial services provided include instant top up of an account with a Financial Service Provider (FSP), instant account verification (using instant deposit confirmation); instant direct debit; and instant withdrawal or funds out. In one or more embodiments, an FSP has an agreement and a cash account with a partner bank; other banks, where users of the financial services have accounts, also have cash accounts with the partner bank. Thus, any transfers can be made within the partner bank and instantaneously. The FSP receives cash during a normal three to five day settlement period with standard bank transfers. Financial services provided may include instant top up of funds (instant credit), instant bank confirmation (using random deposits), instant debit, and instant withdrawal (or funds out).

Abstract: A system and method are disclosed. The system identifies a first acquirer from a plurality of acquirers based on a first set of financial transaction records. The first acquirer is associated with a financial clearing house system and a plurality of first acquirer dependent software components. The system further generates a first acquirer settlement file based on the first set of financial transaction records. The generates the acquirer settlement file by utilizing the plurality of first acquirer dependent software components to process the first set of financial transaction records. Finally, the system communicates the first acquirer settlement file, over a network, to the financial clearing house system.

Abstract: Metadata driven methods and systems utilized to process financial data include a method to generate a plurality of first acquirer dependent software components based on a first acquirer settlement metadata file that corresponds to a first acquirer. The first acquirer dependent software components are used to generate an acquirer settlement file based on financial data. The acquirer settlement file is communicated to the first acquirer that is included in an automatic clearing house system that processes the financial data. In addition, the metadata driven methods and systems utilized to process financial data include a method to generate a plurality of first acquirer dependent software components based on a first acquirer return metadata file that corresponds to a first acquirer. The first acquirer dependent software components are used to process an acquirer return file that is received from the first acquirer and includes financial data. The first acquirer is included in an automatic clearing house system.

Abstract: Metadata driven methods and systems utilized to process financial data include a method to generate a plurality of first acquirer dependent software components based on a first acquirer settlement metadata file that corresponds to a first acquirer. The first acquirer dependent software components are used to generate an acquirer settlement file based on financial data. The acquirer settlement file is communicated to the first acquirer that is included in an automatic clearing house system that processes the financial data. In addition, the metadata driven methods and systems utilized to process financial data include a method to generate a plurality of first acquirer dependent software components based on a first acquirer return metadata file that corresponds to a first acquirer. The first acquirer dependent software components are used to process an acquirer return file that is received from the first acquirer and includes financial data. The first acquirer is included in an automatic clearing house system.

Abstract: A system and method for exchanging data between two or more applications includes a data exchange engine and a number of adapters associated with a corresponding number of applications. Each of the adapters is customized to interface with a corresponding application and transforms data being transferred between the application and the data exchange engine. Data produced by a particular application is converted from a technology dependent form to a technology independent form by the corresponding adapter. In one embodiment, the format associated with a data stream is disassociated from the informational content of the data stream by the adapter. The informational content of the data stream is then transformed by the adapter into a common or generic format.

Abstract: A visual data integration system architecture and methodology is disclosed. The system architecture includes a transport framework that represents a technology-independent integration mechanism that facilitates the exchange of technology-dependent data between disparate applications. A visual interface facilitates the design, deployment, and runtime monitoring of an integrated information system implementation. An integrated information system is developed visually through use of the visual interface by dragging and dropping components within a canvas area of the interface. The components are graphical representations of various telecommunications hardware and software elements, such as information stores, processors, input/output devices and the like. Various components may be packaged together as business extension modules that provide specific business integration capabilities.