System and method for providing a real-time payment between a customer financial institution account and a merchant financial institution account for a transaction based on a direct communication between a user device and a point-of-sale device | Patent Application Number 17566111

System and method for providing a real-time payment between a customer financial institution account and a merchant financial institution account for a transaction based on a direct communication between a user device and a point-of-sale device | Patent Application Number 17566111 | Patexia