FACILITATING PRESENTATION OF CONTENT RELATING TO A FINANCIAL TRANSACTION

• US 20160189119A1
• Filed: 12/31/2014
• Published: 06/30/2016
• Est. Priority Date: 12/31/2014
• Status: Active Grant

• Current Assignee: Fiserv Incorporated
• Original Assignee: Fiserv Incorporated
• Inventors: Sondergaard, Sherry, Bowman, Mark Edward, Harris, Mark T., Kell, John Alexander
• Granted Patent: US 10,185,946 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• 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 an indication of an amount of funds to be transferred as part of the financial transaction;

generate remittance data relating to the financial transaction, wherein the remittance data comprises structured data formatted in accordance with a structured data format;

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 a credit instruction to post a credit to the financial account, wherein the credit instruction is associated with the financial transaction;

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,

wherein the shortened URL enables retrieval of the remittance data 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.

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 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 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 format 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 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 request comprises the shortened URL;

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

obtain 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 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;

generate content relating to the financial transaction;

store the content at a network resource;

generate a content location identifier that identifies a network location of the network resource;

generate at least one of i) a debit instruction to post a debit to the financial account or ii) a credit instruction to post a credit to the financial account, wherein the at least one of the debit instruction or the credit instruction is associated with the financial transaction;

insert the content location identifier into at least one data field of the at least one of the debit instruction or the credit instruction; and

direct transmission of the at least one of the debit instruction or the credit instruction to one of;

i) a payment network or ii) a financial institution associated with the financial account,

wherein the content location identifier enables retrieval of the content 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.

7. The system of claim 6, wherein the at least one processor is further configured to execute the computer-executable instructions to:

determine a type of the at least one of the debit instruction or the credit instruction;

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

8. The system of claim 7, 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 at least one of the debit instruction or the credit instruction based at least in part on the format associated with the type of the at least one of the debit instruction or the credit instruction;

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

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

insert the at least a portion of the content into the second at least one data field.

9. The system of claim 6, wherein the content comprises first structured data formatted in accordance with 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 request for at least a portion of the content, wherein the requesting system is the first system or the second system, and wherein the request comprises the content location identifier;

obtain the at least a portion of the content 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 content 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.

10. The system of claim 6, wherein the network resource is network storage associated with the requestor, and wherein the at least one processor is further configured to execute the computer-executable instructions to:

obtain authentication credentials on behalf of the requestor; and

access the network storage using the authentication credentials.

11. The system of claim 6, wherein the at least one processor is further configured to execute the computer-executable instructions to:

receive, on behalf of the requestor, a permission identifier, wherein the permission identifier indicates an entity permitted to use the content location identifier to retrieve the content; and

store the permission identifier in association with at least one of the content or the content location identifier.

12. The system of claim 11, wherein the at least one processor is further configured to execute the computer-executable instructions to:

receive, from a requesting system, a request for the content, wherein the request comprises the content location identifier, and wherein the requesting system is the first system or the second system;

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

obtain the content from the network resource; and

direct transmission of the content to the requesting system.

13. The system of claim 6, wherein an online banking presentation of information associated with the financial account comprises a selectable representation of the content location identifier, and wherein selection of the selectable representation enables retrieval of the content from the network resource and presentation of the content in the online banking presentation.

14. 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;

generating, by the computerized service provider system;

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

generating, by the computerized service provider system, a content location identifier that identifies a network location of the network resource;

generating at least one of i) a debit instruction to post a debit to the financial account or ii) a credit instruction to post a credit to the financial account, wherein the at least one of the debit instruction or the credit instruction is associated with the financial transaction;

inserting the content location identifier into at least one data field of the at least one of the debit instruction or the credit instruction; and

directing transmission of the at least one of the debit instruction or the credit instruction to one of;

i) a payment network or ii) a financial institution associated with the financial account,

wherein the content location identifier enables retrieval of the content 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.

15. The method of claim 14, further comprising:

determine a type of the at least one of the debit instruction or the credit instruction;

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

16. The method of claim 15, 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 at least one of the debit instruction or the credit instruction based at least in part on the format associated with the type of the at least one of the debit instruction or the credit instruction;

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

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

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

17. The method of claim 14, wherein the content comprises first structured data formatted in accordance with a first structured data format, the method further comprising:

receiving, from a requesting system, a request for at least a portion of the content, wherein the requesting system is the first system or the second system, and wherein the request comprises the content location identifier;

obtaining the at least a portion of the content 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 content 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.

18. The method of claim 14, 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.

19. The method of claim 14, further comprising:

receiving, on behalf of the requestor, a permission identifier, wherein the permission identifier indicates an entity permitted to use the content location identifier to retrieve the content; and

storing the permission identifier in association with at least one of the content or the content location identifier.

20. The method of claim 19, further comprising:

receiving, from a requesting system, a request for the content, wherein the request comprises the content location identifier, 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;

obtaining the content from the network resource; and

directing transmission of the content to the requesting system.

21. The method of claim 14, wherein an online banking presentation of information associated with the financial account comprises a selectable representation of the content location identifier, and wherein selection of the selectable representation enables retrieval of the content from the network resource and presentation of the content in the online banking presentation.