Facilitating presentation of content relating to a financial transaction

• US 10,185,946 B2
• Filed: 12/31/2014
• Issued: 01/22/2019
• Est. Priority Date: 12/31/2014
• Status: Active Grant

• Current Assignee: Fiserv Incorporated
• Original Assignee: Fiserv Incorporated
• Inventors: Bowman, Mark Edward, Harris, Mark T., Sondergaard, Sherry Pleasant, Kell, John Alexander
• Primary Examiner(s): Vyas, Abhishek
• Assistant Examiner(s): Miller, James H
• Application Number:
  US14/588,156
• Publication Number:
  US 20160189119A1
• Time in Patent Office: 1,483 Days
• Field of Search: 705 39
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/3821 Electronic credentials

Abstract

Systems, methods and computer-readable media for facilitating the provision of content associated with a financial transaction are disclosed. The content may be identified by a requestor of the financial transaction or any party to the financial transaction. The content may also be generated by a service provider system that executes the financial transaction. A content location identifier that identifies a location where the content is stored may be identified or generated and may be included in or otherwise provided in association with a debit or credit instruction. The content location identifier may facilitate access to the content by any of a variety of systems or users.

Claims

1. A system, comprising:

at least one memory storing computer-executable instructions; and

at least one processor communicatively coupled to the at least one memory, wherein the at least one processor is configured to access the at least one memory and execute the computer-executable instructions to;

receive, on behalf of a requestor, a request to execute or request a financial transaction involving a financial account, wherein the request comprises transaction data necessary to credit an amount of funds as part of the financial transaction;

generate remittance data relating to the financial transaction, wherein i) the remittance data comprises structured data formatted in accordance with a structured data format, and ii) at least a portion of the remittance data is not included in a credit instruction to post a credit to the financial account, wherein the credit instruction i) is associated with the financial transaction and ii) comprises the transaction data;

store the remittance data at a network resource;

generate a shortened uniform resource locator (URL) that identifies a network location of the network resource;

generate the credit instruction;

insert the shortened URL into at least one data field of the credit instruction; and

direct transmission of the credit instruction to one of;

i) a payment network or ii) a financial institution associated with the financial account, the credit instruction comprising the amount of funds and the shortened URL, wherein the shortened URL at least enables retrieval of the at least a portion of the remittance data that is not included in the credit instruction from the network resource for use by a first system associated with the financial institution or a second system associated with an account holder of the financial account in updating one or more data records corresponding to an account being paid.

2. The system of claim 1, wherein the at least one processor is further configured to execute the computer-executable instructions to:

determine a type of the credit instruction;

determine the at least one data field based at least in part on a message instruction format associated with the type of the credit instruction.

3. The system of claim 2, wherein the at least one data field is a first at least one data field, and wherein the at least one processor is further configured to execute the computer-executable instructions to:

determine a second at least one data field in the credit instruction based at least in part on the message instruction format associated with the type of the credit instruction;

determine a data allocation of the second at least one data field;

determine at least a portion of the remittance data having a size that does not exceed the data allocation; and

insert the at least a portion of the remittance data into the second at least one data field of the credit instruction.

4. The system of claim 1, wherein the structured data is first structured data and the structured data format is a first structured data format, and wherein the at least one processor is further configured to execute the computer-executable instructions to:

receive, from a requesting system, a second request for at least a portion of the remittance data, wherein the requesting system is the first system or the second system, and wherein the second request comprises the shortened URL;

retrieve the at least a portion of the remittance data from the network resource;

determine that the requesting system is not configured to interpret the first structured data format;

format the at least a portion of the remittance data to generate second structured data, wherein the second structured data is formatted in accordance with a second structured data format that the requesting system is configured to interpret; and

direct transmission of the second structured data to the requesting system.

5. The system of claim 1, wherein the at least one processor is further configured to execute the computer-executable instructions to:

receive, from a requesting system, a third request for a visual representation of the remittance data, wherein the requesting system is the first system or the second system, and wherein the third request comprises the shortened URL;

retrieve the remittance data from the network resource;

generate the visual representation of the remittance data; and

direct transmission of the visual representation of the remittance data to the requesting system.

6. A method, comprising:

receiving, on behalf of a requestor, by a computerized service provider system comprising one or more payment processing computers, a request to execute or request a financial transaction involving a financial account, wherein the request comprises transaction data necessary to credit an amount of funds as part of the financial transaction;

generating, by the computerized service provider system, remittance data relating to the financial transaction, wherein i) the remittance data comprises structured data formatted in accordance with a structured data format, and ii) at least a portion of the remittance data is not included in a credit instruction to post a credit to the financial account, wherein the credit instruction i) is associated with the financial transaction and ii) comprises the transaction data;

storing, by the computerized service provider system, the remittance data at a network resource;

generating, by the computerized service provider system, a shortened uniform resource locator (URL) that identifies a network location of the network resource;

generating the credit instruction;

inserting the shortened URL into at least one data field of the credit instruction; and

directing transmission of credit instruction to one of;

i) a payment network or ii) a financial institution associated with the financial account, the credit instruction comprising the amount of funds and the shortened URL, wherein the shortened URL at least enables retrieval of the at least a portion of the remittance data that is not in the credit instruction from the network resource for use by a first system associated with the financial institution or a second system associated with an account holder of the financial account in updating one or more data records corresponding to the financial account.

7. The method of claim 6, further comprising:

determine a type of the credit instruction;

determine the at least one data field based at least in part on a message instruction format associated with the type of the credit instruction.

8. The method of claim 7, wherein the at least one data field is a first at least one data field, the method further comprising:

determining a second at least one data field in the credit instruction based at least in part on the message instruction format associated with the type of the credit instruction;

determining a data allocation of the second at least one data field;

determining at least a portion of the remittance data having a size that does not exceed the data allocation; and

inserting the at least a portion of the remittance data into the second at least one data field.

9. The method of claim 6, wherein the remittance data comprises first structured data formatted in accordance with a first structured data format, the method further comprising:

receiving, from a requesting system, a second request for at least a portion of the remittance data, wherein the requesting system is the first system or the second system, and wherein the second request comprises the shortened URL;

retrieving the at least a portion of the remittance data from the network resource;

determining that the requesting system is not configured to interpret the first structured data format;

formatting the at least a portion of the remittance data to generate second structured data, wherein the second structured data is formatted in accordance with a second structured data format that the requesting system is configured to interpret; and

directing transmission of the second structured data to the requesting system.

10. The method of claim 6, wherein the network resource is network storage associated with the requestor, the method further comprising:

obtaining authentication credentials on behalf of the requestor; and

accessing the network storage using the authentication credentials.

11. The method of claim 6, further comprising:

receiving, on behalf of the requestor, a permission identifier, wherein the permission identifier indicates an entity permitted to use the shortened URL to retrieve the remittance data; and

storing the permission identifier in association with at least one of the remittance data or the shortened URL.

12. The method of claim 11, further comprising:

receiving, from a requesting system, a third request for the remittance data, wherein the third request comprises the shortened URL, and wherein the requesting system is the first system or the second system;

determining that the receiving system corresponds to the entity indicated by the permission identifier;

retrieving the remittance data from the network resource; and

directing transmission of the remittance data to the requesting system.

13. The method of claim 6, wherein an online banking presentation of information associated with the financial account comprises a selectable representation of the shortened URL, and wherein selection of the selectable representation enables retrieval of the remittance data from the network resource and presentation of the remittance data in the online banking presentation.

14. A computer program product, stored on a non-transitory computer readable medium, comprising instructions that when executed on one or more computers cause the one or more computers to:

receive, on behalf of a requestor, a request to execute or request a financial transaction involving a financial account, wherein the request comprises transaction data necessary to credit an amount of funds as part of the financial transaction;

generate remittance data relating to the financial transaction, wherein i) the remittance data comprises structured data formatted in accordance with a structured data format, and ii) at least a portion of the remittance data is not included in a credit instruction to post a credit to the financial account, wherein the credit instruction i) is associated with the financial transaction and ii) comprises the transaction data;

store the remittance data at a network resource;

generate a shortened uniform resource locator (URL) that identifies a network location of the network resource;

generate the credit instruction;

insert the shortened URL into at least one data field of the credit instruction; and

direct transmission of the credit instruction to one of, i) a payment network or ii) a financial institution associated with the financial account, the credit instruction comprising the amount of funds and the shortened URL, wherein the shortened URL at least enables retrieval of the at least a portion of the remittance data that is not in the credit instruction from the network resource for use by a first system associated with the financial institution or a second system associated with an account holder of the financial account in updating one or more data records corresponding to the financial account.

15. The computer program product of claim 14, comprising further instructions that when executed on one or more computers cause the one or more computers to:

determine a type of the credit instruction;

determine the at least one data field based at least in part on a message instruction format associated with the type of the credit instruction.

16. The computer program product of claim 15, comprising further instructions that when executed on one or more computers cause the one or more computers to:

determine a second at least one data field in the credit instruction based at least in part on the message instruction format associated with the type of the credit instruction;

determine a data allocation of the second at least one data field;

determine at least a portion of the remittance data having a size that does not exceed the data allocation; and

insert the at least a portion of the remittance data into the second at least one data field of the credit instruction.

17. The computer program product of claim 14, comprising further instructions that when executed on one or more computers cause the one or more computers to:

receive, from a requesting system, a second request for at least a portion of the remittance data, wherein the requesting system is the first system or the second system, and wherein the second request comprises the shortened URL;

retrieve the at least a portion of the remittance data from the network resource;

determine that the requesting system is not configured to interpret the first structured data format;

format the at least a portion of the remittance data to generate second structured data, wherein the second structured data is formatted in accordance with a second structured data format that the requesting system is configured to interpret; and

direct transmission of the second structured data to the requesting system.

18. The computer program product of claim 14, comprising further instructions that when executed on one or more computers cause the one or more computers to:

receive, from a requesting system, a third request for a visual representation of the remittance data, wherein the requesting system is the first system or the second system, and wherein the third request comprises the shortened URL;

retrieve the remittance data from the network resource;

generate the visual representation of the remittance data; and

direct transmission of the visual representation of the remittance data to the requesting system.