{
  "patent_number": "US 10185946",
  "country": "US",
  "title": "How Banks Attach Extra Transaction Details Using Shortened Web Links",
  "original_title": "Facilitating presentation of content relating to a financial transaction",
  "summary": "A system for banks to send extra payment details, like invoices or receipts, by embedding a short web link inside standard financial transaction messages.",
  "what_it_does": "This system solves the problem of limited space in traditional bank payment messages. When a transaction occurs, the system stores detailed remittance information (like invoice numbers or line items) on a web server rather than trying to cram it into the payment instruction itself. It then generates a shortened URL pointing to that data and inserts it into the payment message. When the receiving bank or account holder gets the payment, they can click or use that link to retrieve the full, structured details of the transaction.",
  "what_it_does_not_cover": [
    "Does not cover the actual movement of funds between bank accounts.",
    "Does not cover payment messages that include all remittance data directly within the primary instruction.",
    "Does not cover peer-to-peer payment apps that do not use standardized financial credit instructions.",
    "Does not cover the physical printing or mailing of paper invoices."
  ],
  "filed": "2014-12-31",
  "granted": "2019-01-22",
  "expires": null,
  "status": "active",
  "holder": "Fiserv Inc",
  "holder_url": "https://patentbrief.org/company/fiserv-inc",
  "inventors": [
    {
      "name": "Mark Edward Bowman",
      "url": "https://patentbrief.org/inventor/mark-edward-bowman"
    },
    {
      "name": "Mark T. Harris",
      "url": "https://patentbrief.org/inventor/mark-t-harris"
    },
    {
      "name": "John Alexander Kell",
      "url": "https://patentbrief.org/inventor/john-alexander-kell"
    },
    {
      "name": "Sherry Pleasant Sondergaard",
      "url": "https://patentbrief.org/inventor/sherry-pleasant-sondergaard"
    }
  ],
  "times_cited": 6,
  "tags": [
    "finance",
    "software",
    "telecommunications"
  ],
  "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.",
  "url": "https://patentbrief.org/patent/us/10185946/square-cash-app",
  "markdown_url": "https://patentbrief.org/patent/us/10185946/square-cash-app/md",
  "google_patents_url": "https://patents.google.com/patent/US10185946",
  "relatedPatents": []
}