Prepayment validation by originator and beneficiary

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 11568374
SERIAL NO

16908463

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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A method performed by a global transaction validation system includes receiving a transaction request from an originator, processing the transaction request by generating a data message containing the transaction data and by generating a notification message including at least part of the transaction data, transmitting the data message to the recipient financial institution, transmitting the notification message to a recipient device associated with the transaction recipient, receiving a return notification from the recipient device, and validating the transaction request based on the return notification indicating that the transaction is valid.

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First Claim

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Patent Owner(s)

  • WELLS FARGO BANK, N.A.

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Daruwalla, Jal Chatham, US 6 7
Gliva, Christopher Somerdale, US 2 2
Kennon, Ashia D Aston, US 5 6
Kresse, Lynnel J Ruskin, US 6 7
Krishnasamy, Aravind San Ramon, US 5 2
Osiecki, Marcia Delran, US 2 2

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Jul 31, 2026
7.5 Year Payment $3600.00 $1800.00 $900.00 Jul 31, 2030
11.5 Year Payment $7400.00 $3700.00 $1850.00 Jul 31, 2034
Fee Large entity fee small entity fee micro entity fee
Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00