Stephen T Godfrey

US Patent:

20210365920, Nov 25, 2021

Filed:

Sep 19, 2016

Appl. No.:

15/269571

Inventors:

- San Francisco CA, US
Stephen Godfrey - Palo Alto CA, US
Michael P. Skelley - San Rafael CA, US
Elise M. Chapman - San Francisco CA, US
Satish Kumar Sura Venkata - Pleasanton CA, US
Jatinder Pal Singh - Livermore CA, US

International Classification:

G06Q 20/30
H04L 12/26

Abstract:

A method comprises receiving, by one or more processors of a computing device and from one or more third-party servers, a request to transfer funds from a first financial account to a second financial account. The request is associated with a user account of the one or more third-party servers and comprises a plurality of parameters. The method comprises selecting, by the one or more processors and based on at least a subset of the plurality of parameters and financial-network data, a financial network, of a plurality of financial networks, over which to transfer the funds. The subset of the plurality of parameters comprises at least one of a cost priority parameter and a speed priority parameter. The financial-network data includes data associated with the plurality of financial networks. The method further comprises initiating, by the one or more processors, transfer of the funds over the selected financial network.