AppBrilliance offers middleware that connects a consumer’s bank account to a merchant’s bank account using real-time payment networks. Payments are pushed by the consumer to the merchant and can be made in-app, in-store or online. Consumers register their credentials once-only with a merchant and give AppBrilliance permission to access their demand deposit account. They use their mobile device to verify transactions in real time using that merchant’s wallet app or at the merchant’s website. Subsequent payments can be executed in one click. AppBrilliance doesn’t keep any personally...