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FINANCIAL SERVICES ECOSYSTEM

  • US 20150178693A1
  • Filed: 12/18/2014
  • Published: 06/25/2015
  • Est. Priority Date: 12/20/2013
  • Status: Active Grant
First Claim
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1. A financial services ecosystem for providing a collaborative worldwide payment system, the financial services ecosystem comprising:

  • a computer-based system configured to generate card bank identification numbers (BINs) that can be redeemed at 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 configured to generate the (BIN) as issued by a card association, wherein the card BIN is a layer of security between a Primary Account Number (PAN) issued by a financial institution or credit card company, and wherein the card BIN is used as digital currency by a payee and sent to a biller for authorization to document that the consumer has paid a bill.

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