U.S. Bank has become the first large bank in the country to offer Brookfield-based Fiserv Inc.'s person-to-person social payment technology. The real-time payment capability, Popmoney Instant Payments, can be used through U.S. Bank online or on its mobile banking service. Users can also request money and send e-cards with payments. The other person's name and account number, email address or mobile phone number are used to complete the transaction. "Designing payment solutions using a 'real-time first' mentality, which assumes that real-time is the ultimate standard of delivery, is a guiding principle in the ongoing Fiserv initiative to make faster payment options available to consumers," said Marc West, senior vice president, electronic payments, Fiserv. "The powerful combination of real-time and mobile opens new doors for adoption and use of person-to-person payments, and U.S. Bank is at the forefront of this trend."