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characterized in that the neutral party is a clearing house
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G06Q20/023
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PHYSICS
G06
Computing
G06Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
G06Q20/00
Payment architectures, schemes or protocols
Current Industry
G06Q20/023
characterized in that the neutral party is a clearing house
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Patents Grants
last 30 patents
Information
Patent Grant
Systems and methods for electronic database communications
Patent number
12,321,910
Issue date
Jun 3, 2025
The PNC Financial Services Group, Inc.
Urich T. Bowers
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
System and method of tokenizing deposit account numbers for use at...
Patent number
12,314,923
Issue date
May 27, 2025
MasterCard International Incorporated
Sandeep Malhotra
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Generating user points for payment actions in payment processing sy...
Patent number
12,307,477
Issue date
May 20, 2025
American Express Travel Related Services Company, Inc.
Devin Robert Kempton
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
API framework for clearing non-deliverable interest rate swaps
Patent number
12,307,523
Issue date
May 20, 2025
Chicago Mercantile Exchange Inc.
Dhiraj Bawadhankar
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Systems and methods for electronic database communications
Patent number
12,299,652
Issue date
May 13, 2025
The PNC Financial Services Group, Inc.
Urich T. Bowers
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Decentralized transaction processing
Patent number
12,299,662
Issue date
May 13, 2025
PayPal, Inc.
Balaji Srinivasaraghavan
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Systems and methods for electronic database communications
Patent number
12,299,653
Issue date
May 13, 2025
The PNC Financial Services Group, Inc.
Urich T. Bowers
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Systems and methods for managing a financial account in a low-cash...
Patent number
12,299,654
Issue date
May 13, 2025
The PNC Financial Services Group, Inc.
Urich T. Bowers
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Systems, methods and apparatus to process medical prescription orde...
Patent number
12,288,195
Issue date
Apr 29, 2025
Walgreen Co.
Lawrence Salud
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Routing a data processing transaction based on machine learning
Patent number
12,271,831
Issue date
Apr 8, 2025
Bank of America Corporation
Pratap Dande
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Secure electronic check (e-check) clearance platform with integrate...
Patent number
12,265,964
Issue date
Apr 1, 2025
Bank of America Corporation
Bikash Dash
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Secure processing of electronic payments
Patent number
12,260,406
Issue date
Mar 25, 2025
Royal Bank of Canada
Stephen James Scott
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
System and method for facilitating transfer of electronic payment i...
Patent number
12,236,424
Issue date
Feb 25, 2025
CAPITAL ONE SERVICES, LLC
Michael Mossoba
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
System and method for location-based token transaction processing
Patent number
12,236,417
Issue date
Feb 25, 2025
ROYAL BANK OF CANADA
Edison U. Ortiz
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Systems and methods for electronic database communications
Patent number
12,223,477
Issue date
Feb 11, 2025
The PNC Financial Services Group, Inc.
Urich T. Bowers
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Systems and methods for managing a financial account in a low-cash...
Patent number
12,198,112
Issue date
Jan 14, 2025
The PNC Financial Services Group, Inc.
Urich T. Bowers
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
V2X-based electronic toll collection system and method
Patent number
12,198,137
Issue date
Jan 14, 2025
AUTOCRYPT CO., LTD.
Duk Soo Kim
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Cluster job submission
Patent number
12,197,950
Issue date
Jan 14, 2025
Stripe, Inc.
Andrew Johnson
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Systems and methods for managing a financial account in a low-cash...
Patent number
12,190,300
Issue date
Jan 7, 2025
The PNC Financial Services Group, Inc.
Urich T. Bowers
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Partitioning data across shared permissioned database storage for m...
Patent number
12,182,294
Issue date
Dec 31, 2024
Baton Systems, Inc.
Arjun Jayaram
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Digital engagement platform for payment solutions with cash-enabled...
Patent number
12,182,779
Issue date
Dec 31, 2024
Blytz, Inc.
Robyn Burkinshaw
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Systems and methods for managing a financial account in a low-cash...
Patent number
12,182,780
Issue date
Dec 31, 2024
The PNC Financial Services Group, Inc.
Urich T. Bowers
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Payment processing system and method
Patent number
12,182,799
Issue date
Dec 31, 2024
NETSUNION CLEARING CORPORATION
Lingbin Kong
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Systems and methods for managing a financial account in a low-cash...
Patent number
12,169,817
Issue date
Dec 17, 2024
The PNC Financial Services Group, Inc.
Urich T. Bowers
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Systems and methods for electronic database communications
Patent number
12,154,082
Issue date
Nov 26, 2024
The PNC Financial Services Group, Inc.
Urich T. Bowers
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Automatic optimal payment type determination systems
Patent number
12,147,965
Issue date
Nov 19, 2024
CAPITAL ONE SERVICES, LLC
Andrew Cohn
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Systems and methods for managing a financial account in a low-cash...
Patent number
12,131,304
Issue date
Oct 29, 2024
The PNC Financial Services Group, Inc.
Urich T. Bowers
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Secure processing of electronic payments
Patent number
12,125,031
Issue date
Oct 22, 2024
ROYAL BANK OF CANADA
Edison U. Ortiz
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Interbank account verification and funds transfer system and method
Patent number
12,125,038
Issue date
Oct 22, 2024
Wells Fargo Bank, N.A.
Al Hecht
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Grant
Systems and methods for managing a financial account in a low-cash...
Patent number
12,125,008
Issue date
Oct 22, 2024
The PNC Financial Services Group, Inc.
Urich T. Bowers
G06 - COMPUTING CALCULATING COUNTING
Patents Applications
last 30 patents
Information
Patent Application
ELECTRONIC TRANSACTION AUTOMATED CONTROL TOTAL REEVALUATION ACROSS...
Publication number
20250139595
Publication date
May 1, 2025
Truist Bank
Douglas W. Wentz
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
SYSTEM AND METHODS FOR ACCEPTING DUAL FUNCTION PAYMENT CREDENTIAL
Publication number
20250139597
Publication date
May 1, 2025
MasterCard International Incorporated
Shanthan Subramaniam
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
ELECTRONIC TRANSACTION AUTOMATED CONTROL TOTAL REEVALUATION ACROSS...
Publication number
20250139596
Publication date
May 1, 2025
Truist Bank
Douglas W. Wentz
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
SECURING ELECTRONIC TRANSFERS BY PERFORMING PRE-TRANSACTION VERIFIC...
Publication number
20250131418
Publication date
Apr 24, 2025
RSF Investments LLC
Christopher Salvador
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
MULTIPLE SETTLEMENT OPTIONS IN PAYMENT SYSTEM
Publication number
20250124421
Publication date
Apr 17, 2025
MasterCard International Incorporated
Shanthan Subramaniam
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
METHOD AND SYSTEM FOR PREDICTING AND FUNDING CASH FLOW GAPS IN A CO...
Publication number
20250124504
Publication date
Apr 17, 2025
MasterCard International Incorporated
William Kerwick
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
Generating User Points for Payment Actions in Payment Processing Sy...
Publication number
20250117822
Publication date
Apr 10, 2025
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
Devin Robert Kempton
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
BATCH SETTLEMENT OF PAYMENTS
Publication number
20250078046
Publication date
Mar 6, 2025
IPCO 2012 LIMITED
Richard Charles Hutchings
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
METHOD FOR SECURING SENSITIVE DATA
Publication number
20250061447
Publication date
Feb 20, 2025
OBEP PAYMENTS, LLC
Ezio Anselmo Mazarim Fernandes
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
TRANSACTIONS WITH SERVICE RAIL CONVERSION
Publication number
20250053959
Publication date
Feb 13, 2025
Wells Fargo Bank, N.A.
Jenny Yee Tao
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
PROFILE BASED ARRANGEMENTS AND METHODS FOR DISPARATE NETWORK SYSTEMS
Publication number
20250045712
Publication date
Feb 6, 2025
US Bank National Association
Mark Dickelman
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
SYSTEMS AND METHODS FOR A PRIVATE SECTOR MONETARY AUTHORITY
Publication number
20250045739
Publication date
Feb 6, 2025
Fulcrum IP Corporation
Douglas Jackson
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
GENERATING EVENT-BASED TOKENS TRANSPARENT TO A NETWORK
Publication number
20250037125
Publication date
Jan 30, 2025
Plaid Inc.
Jordana COHEN
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
SYSTEM AND METHOD FOR BUSINESS PAYMENT INFORMATION DIRECTORY SERVICES
Publication number
20250021974
Publication date
Jan 16, 2025
National Automated Clearing House Association
George M. Throckmorton
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
SYSTEMS AND METHODS FOR TRANSACTION FACILITATION VIA A PLURALITY OF...
Publication number
20250021948
Publication date
Jan 16, 2025
Wells Fargo Bank, N.A.
Rameshchandra Bhaskar Ketharaju
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
SECURE PROCESSING OF ELECTRONIC PAYMENTS
Publication number
20250014030
Publication date
Jan 9, 2025
ROYAL BANK OF CANADA
Edison U. ORTIZ
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
ELECTRONIC WALLET FUND TRANSFER SYSTEM
Publication number
20250005556
Publication date
Jan 2, 2025
PAYPAL, INC.
Nitin Prabhu
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
ERROR DETECTION FOR WIRE-TRANSFER REQUESTS IN WIRE-TRANSFER APPLICA...
Publication number
20240412178
Publication date
Dec 12, 2024
Truist Bank
Noel Ciminello
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
Blockchain-Enabled Electronic Futures Trading System with Optional...
Publication number
20240386494
Publication date
Nov 21, 2024
Cboe Exchange, Inc.
Donald R. Wilson
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
SYSTEM AND METHOD FOR OBTAINING PROVISIONAL CREDIT FOR MERCHANTS OF...
Publication number
20240354727
Publication date
Oct 24, 2024
Mark Thomas Ochab
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
SYSTEMS AND METHODS FOR SMART ROUTING OF ELECTRONIC MESSAGES
Publication number
20240354719
Publication date
Oct 24, 2024
Wells Fargo Bank, N.A.
Lance P. Dumond
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
SYSTEM AND METHOD FOR FACILITATING PROGRAMMATIC VERIFICATION OF TRA...
Publication number
20240354720
Publication date
Oct 24, 2024
Plaid Inc.
William Hockey
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
Interactive Payment Card Processing System with Application Services
Publication number
20240346542
Publication date
Oct 17, 2024
VeteranCrowd Rewards, Inc.
Patrick K. Brady
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
Systems and Methods for Connection Switch Automation
Publication number
20240338305
Publication date
Oct 10, 2024
Truist Bank
Sanjeev Kumar Jha
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
BILLER-SIDE BILLER DIRECTORY AND PAYMENTS ENGINE ARCHITECTURE
Publication number
20240320718
Publication date
Sep 26, 2024
Wells Fargo Bank, N.A.
Alan W. Hecht
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
FINANCIAL SERVICE PROVIDING SYSTEM AND SIMPLE-PAYMENT COMPANY SERVE...
Publication number
20240303725
Publication date
Sep 12, 2024
KAKAOPAY CORP.
Seokgeun Park
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
ELECTRONIC PAYMENT SYSTEM
Publication number
20240296497
Publication date
Sep 5, 2024
Buffalo Springs Investments, LLLP
Salem Abraham
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
SYSTEM, METHOD AND APPARATUS FOR FASTER ACH TRANSFER PROCESSING
Publication number
20240281774
Publication date
Aug 22, 2024
Affirm, Inc.
Johan Backman
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
REAL-TIME INTERBANK TRANSACTIONS SYSTEMS AND METHODS
Publication number
20240281777
Publication date
Aug 22, 2024
Wells Fargo Bank, N.A.
Alan W. Hecht
G06 - COMPUTING CALCULATING COUNTING
Information
Patent Application
SYSTEMS AND METHODS FOR UNIFIED USER EXPERIENCE WITH SINGLE SCREEN...
Publication number
20240265393
Publication date
Aug 8, 2024
Truist Bank
Prasad Prabhakarrao Jahagirdar
G06 - COMPUTING CALCULATING COUNTING