Financial Services Ecosystem

  • Published: Jun 25, 2015
  • Earliest Priority: Dec 20 2013
  • Family: 9
  • Cited Works: 1
  • Cited by: 2
  • Cites: 4
  • Additional Info: Full text

A financial services ecosystem for providing a collaborative worldwide payment system includes: a computer-based system configured to credit a merchant, by way of a merchant bank, for goods sold or services rendered to a consumer; and a payment process platform configured to receive data from a user application. The payment process platform is configured to generate a disposable bank identification number (BIN). The disposable BIN is converted from a BIN issued by a financial institution or credit card company. The disposable BIN is used by a biller as an authorization BIN to document that the consumer has paid a bill.

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Document History
  • Publication: Jun 25, 2015
  • Application: Dec 19, 2014
    WO US 2014/0071604 W
  • Priority: Dec 18, 2014
    US US 201414575953 A
  • Priority: May 5, 2014
    US US 201461988793 P
  • Priority: Mar 12, 2014
    US US 201461951687 P
  • Priority: Dec 20, 2013
    US US 201361919350 P

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