SYSTEM AND METHOD FOR EFFECTING REAL-TIME FINANCIAL TRANSACTIONS BETWEEN DELAYED-SETTLEMENT FINANCIAL ACCOUNTS

摘要

A system and method for effecting a substantially real-time financial transaction between at least one secure account linked to a computer device, such as a checking account that ultimately has a delayed-settlement of financial transactions, and one other financial account, such as another secure account linked to another computer device. A financial services system allows remote computer devices, such as mobile computer devices, to store access codes, such as debit card numbers, for secure accounts and the financial services system can then effect a desired transaction over an existing electronic transaction network, such as an ATM/Debit network, thereby causing the financial transaction to occur substantially in real-time between secure accounts.