Ajay W Chalana

US Patent:

20200019939, Jan 16, 2020

Filed:

Jul 16, 2018

Appl. No.:

16/036086

Inventors:

- San Francisco CA, US
Ajay Chalana - San Ramon CA, US
Sivakumaran Durairaj - Belmont CA, US
Anandan Ethirkottai Sundararajan - Singapore, SG

International Classification:

G06Q 20/10
G06Q 20/40

Abstract:

Provided is a computer-implemented method for providing an electronic funds transfer (EFT) based on issuer system requirements that includes receiving an EFT request associated with an account, the EFT request associated with a transfer of an amount of funds to the account, determining whether an issuer system supports the transfer to the account according to a first electronic fund transfer protocol, determining second electronic fund transfer protocol settings data associated with performing the transfer to the account using the second electronic fund transfer protocol based on determining that the issuer system that issued the account of the user does not support the transfer to the account of the user according to the first electronic fund transfer protocol, and processing the transfer to the account in real-time based on the second electronic fund transfer protocol settings data. A system and computer program product are also disclosed.