Neil P Marcous

US Patent:

20140074724, Mar 13, 2014

Filed:

Nov 15, 2013

Appl. No.:

14/081590

Inventors:

Neil MARCOUS - Bay Head NJ, US
Robert WOODBURY - Flemington NJ, US

Assignee:

PayNet Payments Networks, LLC - Jacksonville FL

International Classification:

G06Q 20/38
G06Q 20/02
G06Q 20/10

US Classification:

705 71, 705 44

Abstract:

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.

US Patent:

20230101168, Mar 30, 2023

Filed:

Nov 4, 2022

Appl. No.:

18/052902

Inventors:

- Jacksonville FL, US
Neil MARCOUS - Bay Head NJ, US
Robert WOODBURY - Flemington NJ, US

International Classification:

G06Q 20/38
G06Q 20/10
G06Q 20/02
G06Q 20/40

Abstract:

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.

US Patent:

20200273027, Aug 27, 2020

Filed:

May 13, 2020

Appl. No.:

15/931357

Inventors:

- Jacksonville FL, US
Neil MARCOUS - Bay Head NJ, US
Robert WOODBURY - Flemington NJ, US

International Classification:

G06Q 20/38
G06Q 20/10
G06Q 20/02
G06Q 20/40

Abstract:

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.

US Patent:

20200097962, Mar 26, 2020

Filed:

Nov 26, 2019

Appl. No.:

16/695925

Inventors:

- Jacksonville FL, US
Neil Marcous - Bay Head NJ, US
Robert Woodbury - Flemington NJ, US

International Classification:

G06Q 20/38
G06Q 20/40
G06Q 20/02
G06Q 20/10

Abstract:

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.