Patent ID: 9342831
Filing Date: 2016-05-17
CPC Classification: G06Q

Claim Text:
1. A method comprising: receiving, at one or more servers from a first client device associated with a user, a payment message from the user directed to a co-user, the payment message including a payment amount associated with a payment transaction between the user and the co-user; sending, by the one or more servers, the payment message to a second client device associated with the co-user; sending, by the one or more servers to a payment network, a charge request against a payment credential of the user for the payment amount of the payment message; and sending, by the one or more servers in response to the payment message, a push-to-debit request to the payment network to credit funds for the payment amount of the payment message to a debit card of the co-user as an unreferenced refund to the debit card of the co-user, the push-to-debit request being formatted for same day processing.