US20050131816A1 - Computer-based funds transfer system - Google Patents
Computer-based funds transfer system Download PDFInfo
- Publication number
- US20050131816A1 US20050131816A1 US11/049,825 US4982505A US2005131816A1 US 20050131816 A1 US20050131816 A1 US 20050131816A1 US 4982505 A US4982505 A US 4982505A US 2005131816 A1 US2005131816 A1 US 2005131816A1
- Authority
- US
- United States
- Prior art keywords
- user
- funds transfer
- transaction
- payment
- payment request
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Abandoned
Links
- 238000012546 transfer Methods 0.000 title claims abstract description 112
- 238000000034 method Methods 0.000 claims description 71
- 238000012502 risk assessment Methods 0.000 claims description 14
- 238000004891 communication Methods 0.000 claims description 8
- 230000004044 response Effects 0.000 claims description 8
- 230000000977 initiatory effect Effects 0.000 claims description 4
- 230000000694 effects Effects 0.000 claims 1
- 230000008569 process Effects 0.000 description 24
- 238000013475 authorization Methods 0.000 description 10
- 238000012545 processing Methods 0.000 description 9
- 238000012552 review Methods 0.000 description 7
- 238000012795 verification Methods 0.000 description 7
- 238000007726 management method Methods 0.000 description 4
- 230000005540 biological transmission Effects 0.000 description 3
- 230000007246 mechanism Effects 0.000 description 2
- 230000001404 mediated effect Effects 0.000 description 2
- 230000002411 adverse Effects 0.000 description 1
- 230000008901 benefit Effects 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 230000018109 developmental process Effects 0.000 description 1
- 239000003999 initiator Substances 0.000 description 1
- 230000003993 interaction Effects 0.000 description 1
- 230000002452 interceptive effect Effects 0.000 description 1
- 230000000737 periodic effect Effects 0.000 description 1
- 230000002093 peripheral effect Effects 0.000 description 1
- 230000007480 spreading Effects 0.000 description 1
- 230000003612 virological effect Effects 0.000 description 1
- 230000003442 weekly effect Effects 0.000 description 1
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
Definitions
- the present invention relates generally to electronic commerce (e-commerce) schemes that allow for the transfer of funds between individuals and others across computer networks and networks of networks, such as the Internet.
- e-commerce electronic commerce
- wire transfers between individuals across private networks have been available for many years.
- such schemes lack the convenience offered by the Internet.
- an individual the payer
- a remote branch office of the service e.g., a local branch office of the wire transfer service
- payment instructions are transmitted to a remote branch office of the service, where the payee must then present him/herself to receive the funds.
- Such systems may provide international service, they are cumbersome in as much as both the payer and the payee are required to be physically present to deposit or receive the funds. Often this is impossible, or at least inconvenient, for one or both of these parties.
- an initiator With wire transfers from one individuals' bank account to another (e.g., utilizing the FEDWIRE system), an initiator must know the recipient's account information and specify it to a bank or other financial institution. Such transactions currently cannot be initiated by consumers using an Internet resource.
- the sellers tend to be individuals and not traditional merchants, the sellers often are unable to accept (or, indeed, unwilling to accept) credit cards. Moreover, because the buyers are dealing with an individual seller whom they may not know, the buyer is less likely to be willing to provide such credit card information. Further, as indicated above, the current electronic funds transfer mechanisms are simply not able to accommodate individual-to-individual transfers. This leaves personal checks, which are inconvenient to generate, mail and deposit for the buyer and seller, and which may cause delay in shipping as sellers wait for checks to clear, cashiers' checks, money orders or wire transfers (some or all of which often have processing fees associated with them, not to mention the inconvenience of having to obtain a payment instrument from a bank or other institution) as the only viable payment options.
- a service is configured to be accessible by two or more parties to a two-sided funds transfer transaction through a computer network (e.g., the Internet) and is organized to (1) collect credit and authentication information regarding at least one party on each side of the transaction, (2) receive funds transfer instructions from at least one party an a first side of the transaction, and (3) transmit payment instructions to complete the transaction upon successful completion of a transaction review process that utilizes the credit and/or authentication information so collected.
- the payment instructions are preferably transmitted via electronic mail (e-mail).
- e-mail electronic mail
- the funds transfer instructions may be received as requests to send payments or requests to collect payments.
- the service may be further organized to solicit a payment, for example by transmitting an e-mail message to one or more payers.
- the service When used to collect payments, the service may be further organized to process one or more responses to the above-mentioned solicitations. Generally, such responses will be received through a user interface accessible through a Web browser and will include payment method instructions.
- the payment method instructions may include instructions for payment through an electronic check, instructions to have funds automatically transferred from a bank account and/or instructions for payment by credit card.
- One aspect of the invention is a method of facilitating transfers of funds between users via a computer-based funds transfer service.
- the method comprises receiving, by a computer system associated with the funds transfer service, a payment request submitted by a registered user of the funds transfer service.
- the payment request specifies an email address of a target user that is not registered with the funds transfer service, and specifies a payment amount for conducting a funds transfer transaction between the registered user and the target user.
- the method further comprises automatically responding to receipt by said computer system of the payment request by sending, to the email address of the target user, an email message that invites the target user to use the funds transfer service to perform the funds transfer transaction.
- the email message includes a uniform resource locator (URL) associated with the computer system, such that the user may access the computer system to register with the funds transfer service and provide instructions for performing the funds transfer transaction.
- URL uniform resource locator
- FIG. 1 illustrates exemplary details concerning functional components of an electronic transaction system configured in accordance with an embodiment of the present invention.
- FIG. 2 illustrates an exemplary client/server dialog for a user initiating a funds transfer transaction utilizing the present funds transfer service.
- Described herein is an electronic transaction service for computer assisted (e.g., on-line/e-commerce) transactions.
- computer assisted e.g., on-line/e-commerce
- environments within and around which the systems and methods of the present invention may find application. Examples of such environments include funds transfers between individuals and/or small merchants, perhaps in settlement of private debts (e.g., Internet-based or other e-commerce transactions such as auction purchases, or debts incurred as a result of other processes), gift transfers, loans, etc.
- private debts e.g., Internet-based or other e-commerce transactions such as auction purchases, or debts incurred as a result of other processes
- gift transfers loans, etc.
- the present scheme is also applicable in other environments.
- the systems and methods described herein may be applied in transactions involving donations to charity organizations, collections for office pools or group gifts, etc. Therefore, it should be recognized that the present invention is in no way limited by the examples presented herein.
- the electronic transaction service may be hosted on an Internet-based (or other computer/network-based) resource capable of executing the processes described herein.
- examples of such resources include conventional computer systems that include processors, memory and other storage devices and peripherals that allow for connection to the Internet (e.g., modems and the like).
- the precise hardware configuration of the hosting resource is not critical to the present invention, nor are the precise algorithms used to implement the services and methods described herein. Instead, the focus is on the nature of the services provided, including the provision of some measure of fraud protection for payers and payees involved in the transactions.
- the risk management assessment procedures utilized by the funds transfer service produce a adverse indication (e.g., an indication that a credit card a payer is attempting to use has been reported stolen, or that the identity of the person attempting to initiate or receive payment can not be authenticated, or that account information provided by the payer indicates that insufficient funds are available to complete the transaction and/or that the payer or payee otherwise poses a risk) the associated payment request will be declined. Otherwise, a payment request can be processed for delivery of a payment associated therewith to the payee.
- payers and payees receive the benefit of a risk assessment process that is not normally accorded to or available for individuals or small merchants with existing authorization and verification services. This service is particularly useful in person-to-person commerce, where the parties do not know one another.
- FIG. 1 illustrates one example of a funds transfer system 10 configured to provide electronic funds transfer services.
- Funds transfer system 10 may be embodied as hardware and/or software components of a server 12 or other computer system (such as a multiple server arrangement) as is customary in the art.
- Funds transfer system 10 includes a user interface module 14 , which may be utilized by payers and/or payees for the registration and payment request operations discussed below.
- this user interface module 14 allows for customer/server dialogs (e.g., by soliciting and receiving transaction and payer/payee information) and may process information through the submission of Web forms completed by the users 16 (e.g., via personal computers or other Internet-capable devices).
- server 12 will be accessed through the Internet 18 (e.g., via Web browsers) in the conventional fashion.
- the communications interface 20 may support the automatic distribution of update reports regarding the various stages of processing a payment request. For example, e-mail messages may be transmitted to the parties regarding the successful (or unsuccessful) processing of the payment request. Further, the communications interface block 20 may allow for transmitting and receiving instructions/responses from banks and/or other financial institutions (e.g., to initiate ACH transactions, etc.) or third party agencies (e.g., credit reporting/verification agencies and the like).
- financial institutions e.g., to initiate ACH transactions, etc.
- third party agencies e.g., credit reporting/verification agencies and the like.
- a transaction processing engine 22 which may implement automated portions of the above-described fraud review processing, is also an element of funds transfer system 10 . So too is a transaction information database 24 , which supports the interaction with the third party authorization and verification services as well as customers and financial institutions by maintaining user accounts, transaction requests, etc.
- a funds transfer process to be implemented by the funds transfer system 10 has several components.
- a payment request (e.g., initiated by a user 16 ) is received at server 12 (e.g., via the user interface module 14 ).
- the payment request may come in a variety of forms.
- the payment request will be a request by a payer to transfer funds to a designated payee (or payees).
- the payment request may be a request to collect funds for a payee from a designated payer (or group of payers).
- the payment request may be submitted through the use of Web forms.
- a Web form is a collection of form fields displayed as a Web page by a Web browser in response to hypertext markup language (HTML) tags and other information received from a Web server.
- HTML hypertext markup language
- An associated form handler resides at the server to collect and process the information submitted by a user via the form.
- the information collection process performed by the server is made interactive with the users. That is, users can add text to text boxes, select from drop down menus and/or select check boxes and/or radio buttons, etc.
- the user submits the Web form by clicking on (i.e., selecting with a cursor control device) a submit button or other appropriately labeled element of the form and, upon such submission, the contents of the form are passed to the form handler.
- the information submitted by a user may be appended to a file maintained by the server, for example a file associated with an account assigned to the user for the transaction of interest. In this way, information regarding the transaction may be collected, processed and displayed to those who access it.
- server 12 which hosts the funds transfer service may be configured to provide HTML instructions using the hypertext transfer protocol (HTTP) so as to cause a user's Web browser to render one or more Web forms for use in submitting a payment request.
- Web forms may be organized as check box fields, radio button fields and/or other form fields such as text box fields or drop down menus, etc. through which users can specify payer and payee information (e.g., as e-mail addresses), payment amount information, payment method information (e.g., credit/debit card/account and/or checking account information) credit information, account information, etc.
- Payment request information received at server 12 may be stored (e.g., on a transaction-by-transaction and/or user account basis) in transaction information database 24 .
- the payment request is reviewed (e.g., automatically by the transaction processing engine 22 ) and a determination is made as to whether the payment request is by a payee or a payer. If the request was submitted by a payee (i.e., someone is asking the funds transfer service to contact others and ask that they use the service as a payment vehicle), then the payer(s) will have to be contacted.
- a payee i.e., someone is asking the funds transfer service to contact others and ask that they use the service as a payment vehicle
- the payer(s) will have to be contacted.
- One way in which this contact may be initiated is through electronic mail (e-mail) messages transmitted by the funds transfer service on behalf of the payee (e.g., via communications interface 20 ).
- server 12 may transmit e-mail messages to the payer(s) indicating that the payee has requested use of the service to facilitate a payment.
- the payer(s) may be presented with a uniform resource locator (URL) that specifies a Web address of server 12 .
- URL uniform resource locator
- payers may contact the server (e.g., via the user interface module 14 ), register with the service (if they are not already so registered), access the transaction of interest (i.e., the one initiated by the payee) and provide payment instructions.
- the payee may be so notified (e.g., by e-mail message through communication interface 20 ).
- a fraud check may be initiated using the transaction processing engine 22 .
- the fraud check (or more generally a risk assessment process of which the fraud check may be a part) is an opportunity for the funds transfer service to verify/analyze the credit, authentication and/or other information provided by the payer and payee (either as part of the payment request or in response to a payee request, or perhaps obtained by an analysis or prior transactions involving one or more of the parties to the present transaction) and/or from information obtained from third parties (e.g., credit reporting agencies and the like).
- the criteria by which this assessment is made may vary from transaction to transaction but may include such factors as the amount being transferred, the payer's payment preferences (e.g., use of credit card, debit card or electronic check authorizing retrieval of funds directly from a checking account), prior user history or other criteria (as discussed below).
- this fraud check may indicate that the transaction is one that poses a high degree of risk and/or that review by non-automated means (e.g., human risk management assessors) is needed. Where needed, such a manual review process may be performed.
- the payer(s) and/or the payee(s) may be so notified, for example by e-mail messages. As part of such messages (e.g., the messages transmitted to the payer(s)) or in follow up communications, a request for additional credit information (e.g., an alternative credit card and/or bank account) may be made. This provides the payer(s) with another opportunity to complete the funds transfer. If the additional information is provided, the fraud check process may be reinitiated on the basis of this new information. Otherwise, if no new information is provided by the payer(s), the transaction may be declined.
- additional credit information e.g., an alternative credit card and/or bank account
- the transaction may be settled. Depending upon the payment method and/or the payee's preferences, this settlement may be accomplished in one of a number of forms. For example, In general, this third party need not be otherwise associated with the transaction. Several existing companies provide for such services. For example, CyberSource Corporation provides fulfillment services for credit card transactions. Similarly, TeleCheck provides for fulfillment of electronic check transactions. Either of these services or another electronic check and/or guarantee service provider may be used for the fulfillment operation to obtain the funds authorized by the payer(s).
- server 12 receives an indication that such funds have been made available (e.g., by notification of a deposit into a merchant account maintained by the funds transfer service), instructions for transfer to the payee may be issued. These instructions may prompt the generation of a physical check or other payment instrument (e.g., cashiers' check or money order) to be provided to the payee. In other cases, where the payee has chosen to have funds automatically deposited to an account (e.g., via an ACH transaction), these instructions may authorize such a transfer. Where automated transfers (e.g., ACH transfers) are used, such transfers may be made individually or in an aggregate fashion (e.g., daily, weekly, monthly, etc.) and statements provided upon completion thereof.
- automated transfers e.g., ACH transfers
- the ACH transactions may be initiated by a bank rather than by the funds transfer system itself—in other words, the server 12 may generate instructions for transmission to a bank; rather than initiating the ACH transaction directly.
- the server 12 may generate instructions for transmission to a bank; rather than initiating the ACH transaction directly.
- FIG. 2 illustrates one example of dialog between a user and server 12 , as may occur when a payer utilizes the present funds transfer service to transfer payment to a payee or vice versa.
- the user accesses server 12 by pointing a Web browser (e.g., as may be running on a personal computer or other Internet/network-capable device) to the Web address of the server.
- the server may ask the user to log-in or register, for example by providing the payer with a Web form to submit a user name and/or password.
- the user is a first time user, he/she may first need to register with the service before being able to log-in. Part of the registration process will be to select a password for use in later transactions.
- the log-in dialog may need to be repeated if errors in the user name and/or password are encountered.
- the registration process is designed to collect credit and authentication information regarding the user that may be used during later funds transactions processing operations. For example, such information (perhaps as periodically updated by the user and/or by the funds transfer system in response to usage by the user and/or information obtained from/through third parties) may be used as part of the risk assessment process outlined above.
- information (perhaps as periodically updated by the user and/or by the funds transfer system in response to usage by the user and/or information obtained from/through third parties) may be used as part of the risk assessment process outlined above.
- a user may be asked to supply credit card, bank account, home and/or work address and/or other information.
- authorization for later credit checks may be received, for example to enable the funds transfer service (or the service provider) to obtain credit and/or authentication reports and/or information from third parties such as credit reporting agencies, check authorization/guarantee organizations, financial institutions, etc.
- both payers and payees will become registered with the service so that both (all) parties to a transaction can be verified through the risk assessment process on a transaction by transaction (or other, e.g., periodic, monthly, daily, etc.) basis before any given transaction is settled.
- the user may submit a payment request through the use of one or more Web forms provided by the server.
- This may be a request by a payer to transmit funds to one or more payees or a request by a payee to collect funds from one or more payers.
- the payment request will specify a payment amount, a payment method (e.g., credit/debit card/account and/or checking account information) and the identity (e.g., e-mail address(s)) of one or more payees/payers, etc.
- One or more payment requests may be made at a time, and some may need to be repeated to correct errors in transmission, etc.
- the user may log-off.
- the fraud check/risk assessment process is an opportunity for the funds transfer service to verify/analyze the credit, authentication and/or other information provided by the user and/or obtained from other sources.
- the criteria by which this assessment is made may vary from transaction to transaction but may include such factors as the amount being transferred, the user's payment preferences (e.g., use of credit card, debit card or electronic check authorizing retrieval of funds directly from a checking account), prior user history (e.g., as may be stored at server 12 as each transaction is attempted and/or settled) or other criteria.
- authorization both electronic and/or physical
- third parties credit card issuers, check acceptance/guarantee services, credit scoring agencies, etc.
- credit history reports e.g., as provided by credit reporting agencies, etc.
- previous histories of the payer(s)/payee(s) e.g., based on previous transactions
- this fraud check may indicate that the transaction is one that poses a high degree of risk and/or that review by non-automated means (e.g., human risk management assessors) is needed. Where needed, such a manual review process may be performed. If, in the end, the transaction fails the fraud check procedure, then the payer(s) and/or the payee(s) may be so notified, for example by e-mail messages. As part of such messages or in follow up communications, a request for additional credit and/or authentication information (e.g., an alternative credit card and/or bank account) may be made. This provides the user with another opportunity to complete the funds transfer. If the additional information is provided, the fraud check process may be reinitiated on the basis of this new information. Otherwise, the transaction is declined.
- additional credit and/or authentication information e.g., an alternative credit card and/or bank account
- the funds transfer service may transmit e-mail messages to the other parties (e.g., payee(s) or payer(s)) to the transaction indicating that the user has requested use of the service to facilitate a payment.
- the parties e.g., payee(s) or payer(s)
- the unregistered parties may be presented with a uniform resource locator (URL) that specifies a Web address of the server. By pointing a browser at that Web address, such parties may register with the service (if they are not already so registered), access the transaction of interest (i.e., the one initiated by the user) and provide payment instructions.
- the user that initiated the transaction may be notified (e.g., by e-mail message).
- his/her identity and/or credit/authentication information may also be subjected to a fraud check/risk assessment similar to that discussed above. In this way, both parties to the funds transfer transaction may be verified before any authorization for a funds transfer is actually given.
- the transaction may be settled. Depending upon the payment method and/or the payee's preferences, this settlement may be accomplished in any of a number of forms.
- the credit card information submitted by the payer may be passed to a third party not otherwise associated with the transaction for processing to obtain funds. Once received, such funds may be transferred to the payee by ACH transfer or other means.
- the funds transfer service may instruct an associated merchant bank to initiate an ACH pull transaction from the payer's account and transfer the funds to the account specified by the payee(s) in accordance with conventional ACH transactions between banks.
- the ACH transaction may be initiated by the funds transfer system directly, without the use of a merchant bank.
- third party check guarantors funds may be delivered to payees before actually being received from payers' accounts.
- payment instructions may be generated and the instrument (check, money order, etc.) produced and transmitted to the payee.
- the parties may then be notified of a successfully completed transaction.
- the service provided by such a system may be self-replicating (or viral) in as much as users who are seeking to transmit funds to non-registered individuals may themselves act as conduits for spreading usage of the system.
- a non-registered individual who is to receive a payment or to whom a request for payment is sent may be provided with an invitation to register with the service (e.g., as part of an e-mail message regarding the payment transfer).
- registration may be required before the transfer can be completed. In this way more and more individuals may become registered users.
- the present scheme has been discussed with reference to various illustrated embodiments, it should be appreciated that the present invention is not limited thereby and, instead, is to be measured only in terms of the claims which follow.
Abstract
A computer-based funds transfer service provides functionality for users to send and receive payments via a web-based user interface. In one embodiment, the web-based user interface provides functionality for a first user of the service to generate and submit a payment request for sending money to, or collecting money from, a second user, who may but need not be registered with the service. The first user may specify the second user by supplying an email address of the second user, which may be used by the service to notify the second user of the payment request. The email message sent to the second user may include a URL that can be accessed by the second user to register with the service (if not already registered) and complete the transaction.
Description
- This application is a division of U.S. application Ser. No. 09/312,309, filed May 14, 1999.
- The present invention relates generally to electronic commerce (e-commerce) schemes that allow for the transfer of funds between individuals and others across computer networks and networks of networks, such as the Internet.
- The transfer of funds between individuals lies at the heart of a variety of transactions. In single-party transactions, for example involving an account-holder who either deposits or withdraws money from his/her account (e.g., a bank account), only one party participates in the process, although one or more financial institutions may be involved. In unmediated two-party transfers, for example cash transfers between a buyer and a seller in payment for goods or services, gift transfers, loans, etc., there are two parties involved in the transaction. Finally, in mediated three-party transactions using credit or debit cards or checks, a guarantor or other third party in addition to the payer and payee is involved. Increasingly, some or all of these transfers may be completed electronically, making use of computer networks and/or networks of networks, such as the Internet.
- Among the more recent developments involving mediated three-party transactions are the expanded opportunities for the use of the Internet as a vehicle by which transfers may be arranged and/or implemented. For example, Internet-based bill presentment systems are now being offered in which a merchant (e.g., a local telephone company or other utility provider) may arrange for regular bills to be delivered electronically to a consumer. The consumer is then offered the option of paying the bill electronically by providing the bill presentment service provider with bank account information and payment authorization. This information (and the accompanying authorization) allows the bill presentment service provider to arrange for the transfer of funds between the consumer's account and that of the merchant, for example using the Automated Clearing House (ACH) funds transfer facilities of the banking industry. Presently, however, such systems are asymmetrical in as much as they do not provide means for individual consumers to arrange for the transfer of funds to or from merchants or other consumers.
- Moreover, although the popularity of the Internet has led to a dramatic expansion of e-commerce opportunities, with these opportunities comes the increased risk of fraud in e-commerce transactions. Indeed, some have estimated that close to 40% of the total number of attempted orders placed to Internet merchants are fraudulent or otherwise unapproved credit transactions. See, “Credit Card Fraud Against Merchants”, document 22198, CyberSource Corporation, at p. 3 (1998). To combat these fraudulent transactions, others have developed authorization and verification services which attempt to provide some assurance to a seller that a buyer is who he or she is purports to be. Some of these authorization and verifications services include risk management assessment capabilities that score buyers and allow merchants to assess whether or not a transaction should be completed based on the score.
- Although these verification services provide some degree of protection against fraudulent e-commerce transactions, they are for the most part limited to a select group of users—namely large merchants. Because of the fees and other system requirements associated with presently existing verification services, small merchants and/or individuals are generally unable to make use of them.
- It is also true that wire transfers between individuals across private networks have been available for many years. However, such schemes lack the convenience offered by the Internet. To illustrate, consider that in most wire transfer schemes (other than wire transfers between banks, etc.) an individual (the payer) is required to deposit the funds to be transferred at a physical location (e.g., a local branch office of the wire transfer service). Upon such deposit, payment instructions are transmitted to a remote branch office of the service, where the payee must then present him/herself to receive the funds. While such systems may provide international service, they are cumbersome in as much as both the payer and the payee are required to be physically present to deposit or receive the funds. Often this is impossible, or at least inconvenient, for one or both of these parties.
- With wire transfers from one individuals' bank account to another (e.g., utilizing the FEDWIRE system), an initiator must know the recipient's account information and specify it to a bank or other financial institution. Such transactions currently cannot be initiated by consumers using an Internet resource.
- Other limitations of current funds transfer schemes (both electronic and otherwise) are highlighted in the transactions that typically occur in on-line, person-to-person auction houses. During on-line auctions, prospective buyers bid on products being offered by sellers. At the close of such bidding, the seller and highest bidder (now the buyer) are notified that the auction has been completed and are usually invited to contact one another to complete the sale. Rarely, if ever, though does the auction house provide a mechanism for the transaction to be completed. Instead, the buyer and seller are left to determine amongst themselves the best way to exchange the goods for payment.
- Because the sellers tend to be individuals and not traditional merchants, the sellers often are unable to accept (or, indeed, unwilling to accept) credit cards. Moreover, because the buyers are dealing with an individual seller whom they may not know, the buyer is less likely to be willing to provide such credit card information. Further, as indicated above, the current electronic funds transfer mechanisms are simply not able to accommodate individual-to-individual transfers. This leaves personal checks, which are inconvenient to generate, mail and deposit for the buyer and seller, and which may cause delay in shipping as sellers wait for checks to clear, cashiers' checks, money orders or wire transfers (some or all of which often have processing fees associated with them, not to mention the inconvenience of having to obtain a payment instrument from a bank or other institution) as the only viable payment options. Generally, none of these solutions are very satisfactory from the buyer's point of view, yet the buyer is left having to choose one of these options if he or she wishes to complete the sale. Thus, there is a need for a payment transmission system for e-commerce transactions and/or to facilitate money transfers between individuals and/or small merchants that overcomes the limitations of existing schemes.
- In one embodiment, a service is configured to be accessible by two or more parties to a two-sided funds transfer transaction through a computer network (e.g., the Internet) and is organized to (1) collect credit and authentication information regarding at least one party on each side of the transaction, (2) receive funds transfer instructions from at least one party an a first side of the transaction, and (3) transmit payment instructions to complete the transaction upon successful completion of a transaction review process that utilizes the credit and/or authentication information so collected. The payment instructions are preferably transmitted via electronic mail (e-mail). Depending upon who is initiating the transaction (i.e., a payer or a payee) the funds transfer instructions may be received as requests to send payments or requests to collect payments. In the latter case, the service may be further organized to solicit a payment, for example by transmitting an e-mail message to one or more payers.
- When used to collect payments, the service may be further organized to process one or more responses to the above-mentioned solicitations. Generally, such responses will be received through a user interface accessible through a Web browser and will include payment method instructions. The payment method instructions may include instructions for payment through an electronic check, instructions to have funds automatically transferred from a bank account and/or instructions for payment by credit card.
- One aspect of the invention is a method of facilitating transfers of funds between users via a computer-based funds transfer service. The method comprises receiving, by a computer system associated with the funds transfer service, a payment request submitted by a registered user of the funds transfer service. The payment request specifies an email address of a target user that is not registered with the funds transfer service, and specifies a payment amount for conducting a funds transfer transaction between the registered user and the target user. The method further comprises automatically responding to receipt by said computer system of the payment request by sending, to the email address of the target user, an email message that invites the target user to use the funds transfer service to perform the funds transfer transaction. The email message includes a uniform resource locator (URL) associated with the computer system, such that the user may access the computer system to register with the funds transfer service and provide instructions for performing the funds transfer transaction.
- These and other features and aspects of the present invention will be explained below in connection with the accompanying drawings.
- The present invention is illustrated by way of example, but not limitation in the figures of the accompanying drawings, however, these details should not be deemed to limit the broader spirit and scope of the present invention as set forth in claims that follow the accompanying description.
-
FIG. 1 illustrates exemplary details concerning functional components of an electronic transaction system configured in accordance with an embodiment of the present invention. -
FIG. 2 illustrates an exemplary client/server dialog for a user initiating a funds transfer transaction utilizing the present funds transfer service. - Described herein is an electronic transaction service for computer assisted (e.g., on-line/e-commerce) transactions. Throughout this discussion, reference will be made to various environments within and around which the systems and methods of the present invention may find application. Examples of such environments include funds transfers between individuals and/or small merchants, perhaps in settlement of private debts (e.g., Internet-based or other e-commerce transactions such as auction purchases, or debts incurred as a result of other processes), gift transfers, loans, etc. Of course, the present scheme is also applicable in other environments. For example, the systems and methods described herein may be applied in transactions involving donations to charity organizations, collections for office pools or group gifts, etc. Therefore, it should be recognized that the present invention is in no way limited by the examples presented herein.
- The electronic transaction service may be hosted on an Internet-based (or other computer/network-based) resource capable of executing the processes described herein. Examples of such resources include conventional computer systems that include processors, memory and other storage devices and peripherals that allow for connection to the Internet (e.g., modems and the like). The precise hardware configuration of the hosting resource is not critical to the present invention, nor are the precise algorithms used to implement the services and methods described herein. Instead, the focus is on the nature of the services provided, including the provision of some measure of fraud protection for payers and payees involved in the transactions.
- In the event the risk management assessment procedures utilized by the funds transfer service produce a adverse indication (e.g., an indication that a credit card a payer is attempting to use has been reported stolen, or that the identity of the person attempting to initiate or receive payment can not be authenticated, or that account information provided by the payer indicates that insufficient funds are available to complete the transaction and/or that the payer or payee otherwise poses a risk) the associated payment request will be declined. Otherwise, a payment request can be processed for delivery of a payment associated therewith to the payee. Thus, payers and payees receive the benefit of a risk assessment process that is not normally accorded to or available for individuals or small merchants with existing authorization and verification services. This service is particularly useful in person-to-person commerce, where the parties do not know one another.
- To better understand the present invention, reference is made to
FIG. 1 , which illustrates one example of afunds transfer system 10 configured to provide electronic funds transfer services.Funds transfer system 10 may be embodied as hardware and/or software components of aserver 12 or other computer system (such as a multiple server arrangement) as is customary in the art.Funds transfer system 10 includes auser interface module 14, which may be utilized by payers and/or payees for the registration and payment request operations discussed below. Thus, thisuser interface module 14 allows for customer/server dialogs (e.g., by soliciting and receiving transaction and payer/payee information) and may process information through the submission of Web forms completed by the users 16 (e.g., via personal computers or other Internet-capable devices). Generally,server 12 will be accessed through the Internet 18 (e.g., via Web browsers) in the conventional fashion. - Operating in conjunction with the
user interface module 14 may be acommunication interface 20. Thecommunications interface 20 may support the automatic distribution of update reports regarding the various stages of processing a payment request. For example, e-mail messages may be transmitted to the parties regarding the successful (or unsuccessful) processing of the payment request. Further, thecommunications interface block 20 may allow for transmitting and receiving instructions/responses from banks and/or other financial institutions (e.g., to initiate ACH transactions, etc.) or third party agencies (e.g., credit reporting/verification agencies and the like). - A
transaction processing engine 22, which may implement automated portions of the above-described fraud review processing, is also an element offunds transfer system 10. So too is atransaction information database 24, which supports the interaction with the third party authorization and verification services as well as customers and financial institutions by maintaining user accounts, transaction requests, etc. - In general, a funds transfer process to be implemented by the
funds transfer system 10 has several components. At the outset, a payment request (e.g., initiated by a user 16) is received at server 12 (e.g., via the user interface module 14). The payment request may come in a variety of forms. For example, in some cases the payment request will be a request by a payer to transfer funds to a designated payee (or payees). In other cases, the payment request may be a request to collect funds for a payee from a designated payer (or group of payers). - The payment request may be submitted through the use of Web forms. In general, a Web form is a collection of form fields displayed as a Web page by a Web browser in response to hypertext markup language (HTML) tags and other information received from a Web server. An associated form handler resides at the server to collect and process the information submitted by a user via the form. By using such forms, the information collection process performed by the server is made interactive with the users. That is, users can add text to text boxes, select from drop down menus and/or select check boxes and/or radio buttons, etc. Typically, the user submits the Web form by clicking on (i.e., selecting with a cursor control device) a submit button or other appropriately labeled element of the form and, upon such submission, the contents of the form are passed to the form handler. Depending upon the type of information being submitted and the type of form handler being used, the information submitted by a user may be appended to a file maintained by the server, for example a file associated with an account assigned to the user for the transaction of interest. In this way, information regarding the transaction may be collected, processed and displayed to those who access it.
- Thus, in the present example,
server 12 which hosts the funds transfer service may be configured to provide HTML instructions using the hypertext transfer protocol (HTTP) so as to cause a user's Web browser to render one or more Web forms for use in submitting a payment request. Such Web forms may be organized as check box fields, radio button fields and/or other form fields such as text box fields or drop down menus, etc. through which users can specify payer and payee information (e.g., as e-mail addresses), payment amount information, payment method information (e.g., credit/debit card/account and/or checking account information) credit information, account information, etc. Where the transaction is in support of an auction, additional information such as the terms of the auction purchase (e.g., the item description and identification number, if any, etc.) and any other transaction fees may also be included in the payment request. The precise nature of the Web form(s) to be used to collect the payment request is not critical to the present invention. Payment request information received atserver 12 may be stored (e.g., on a transaction-by-transaction and/or user account basis) intransaction information database 24. - Once received, the payment request is reviewed (e.g., automatically by the transaction processing engine 22) and a determination is made as to whether the payment request is by a payee or a payer. If the request was submitted by a payee (i.e., someone is asking the funds transfer service to contact others and ask that they use the service as a payment vehicle), then the payer(s) will have to be contacted. One way in which this contact may be initiated is through electronic mail (e-mail) messages transmitted by the funds transfer service on behalf of the payee (e.g., via communications interface 20).
- For example, using payer information entered by the payee as part of the payment request,
server 12 may transmit e-mail messages to the payer(s) indicating that the payee has requested use of the service to facilitate a payment. The payer(s) may be presented with a uniform resource locator (URL) that specifies a Web address ofserver 12. By pointing a Web browser at that Web address, payers may contact the server (e.g., via the user interface module 14), register with the service (if they are not already so registered), access the transaction of interest (i.e., the one initiated by the payee) and provide payment instructions. In those cases where a payer declines the invitation to use the service, the payee may be so notified (e.g., by e-mail message through communication interface 20). - Where a payer does agree to participate in the transaction, or where a check on the original payment request indicates it is being made by a payer (i.e., someone that is trying to send money to one or more others), a fraud check may be initiated using the
transaction processing engine 22. The fraud check (or more generally a risk assessment process of which the fraud check may be a part) is an opportunity for the funds transfer service to verify/analyze the credit, authentication and/or other information provided by the payer and payee (either as part of the payment request or in response to a payee request, or perhaps obtained by an analysis or prior transactions involving one or more of the parties to the present transaction) and/or from information obtained from third parties (e.g., credit reporting agencies and the like). The criteria by which this assessment is made may vary from transaction to transaction but may include such factors as the amount being transferred, the payer's payment preferences (e.g., use of credit card, debit card or electronic check authorizing retrieval of funds directly from a checking account), prior user history or other criteria (as discussed below). - In some cases, this fraud check may indicate that the transaction is one that poses a high degree of risk and/or that review by non-automated means (e.g., human risk management assessors) is needed. Where needed, such a manual review process may be performed. If, in the end, the transaction fails the fraud check procedure, then the payer(s) and/or the payee(s) may be so notified, for example by e-mail messages. As part of such messages (e.g., the messages transmitted to the payer(s)) or in follow up communications, a request for additional credit information (e.g., an alternative credit card and/or bank account) may be made. This provides the payer(s) with another opportunity to complete the funds transfer. If the additional information is provided, the fraud check process may be reinitiated on the basis of this new information. Otherwise, if no new information is provided by the payer(s), the transaction may be declined.
- Assuming that the fraud check process is passed successfully, the transaction may be settled. Depending upon the payment method and/or the payee's preferences, this settlement may be accomplished in one of a number of forms. For example, In general, this third party need not be otherwise associated with the transaction. Several existing companies provide for such services. For example, CyberSource Corporation provides fulfillment services for credit card transactions. Similarly, TeleCheck provides for fulfillment of electronic check transactions. Either of these services or another electronic check and/or guarantee service provider may be used for the fulfillment operation to obtain the funds authorized by the payer(s).
- Once
server 12 receives an indication that such funds have been made available (e.g., by notification of a deposit into a merchant account maintained by the funds transfer service), instructions for transfer to the payee may be issued. These instructions may prompt the generation of a physical check or other payment instrument (e.g., cashiers' check or money order) to be provided to the payee. In other cases, where the payee has chosen to have funds automatically deposited to an account (e.g., via an ACH transaction), these instructions may authorize such a transfer. Where automated transfers (e.g., ACH transfers) are used, such transfers may be made individually or in an aggregate fashion (e.g., daily, weekly, monthly, etc.) and statements provided upon completion thereof. In some cases, the ACH transactions may be initiated by a bank rather than by the funds transfer system itself—in other words, theserver 12 may generate instructions for transmission to a bank; rather than initiating the ACH transaction directly. Further details regarding the fraud review and settlement processes may be found in co-pending application Ser. No. 09/312,028, entitled “Computer-Assisted Funds Transfer System,” filed May 14, 1999, and assigned to the Assignee of the present invention, which is incorporated herein by reference in its entirety. -
FIG. 2 illustrates one example of dialog between a user andserver 12, as may occur when a payer utilizes the present funds transfer service to transfer payment to a payee or vice versa. The user accessesserver 12 by pointing a Web browser (e.g., as may be running on a personal computer or other Internet/network-capable device) to the Web address of the server. Initially, the server may ask the user to log-in or register, for example by providing the payer with a Web form to submit a user name and/or password. In those cases where the user is a first time user, he/she may first need to register with the service before being able to log-in. Part of the registration process will be to select a password for use in later transactions. The log-in dialog may need to be repeated if errors in the user name and/or password are encountered. - Where required, the registration process is designed to collect credit and authentication information regarding the user that may be used during later funds transactions processing operations. For example, such information (perhaps as periodically updated by the user and/or by the funds transfer system in response to usage by the user and/or information obtained from/through third parties) may be used as part of the risk assessment process outlined above. Thus, during registration a user may be asked to supply credit card, bank account, home and/or work address and/or other information. Further, authorization for later credit checks may be received, for example to enable the funds transfer service (or the service provider) to obtain credit and/or authentication reports and/or information from third parties such as credit reporting agencies, check authorization/guarantee organizations, financial institutions, etc. Ultimately, both payers and payees will become registered with the service so that both (all) parties to a transaction can be verified through the risk assessment process on a transaction by transaction (or other, e.g., periodic, monthly, daily, etc.) basis before any given transaction is settled.
- Once logged-in, the user may submit a payment request through the use of one or more Web forms provided by the server. This may be a request by a payer to transmit funds to one or more payees or a request by a payee to collect funds from one or more payers. In general, the payment request will specify a payment amount, a payment method (e.g., credit/debit card/account and/or checking account information) and the identity (e.g., e-mail address(s)) of one or more payees/payers, etc. One or more payment requests may be made at a time, and some may need to be repeated to correct errors in transmission, etc. Once the payment request has been submitted, the user may log-off.
- Once submitted, the payment request is reviewed according to the fraud check processes discussed in the above-mentioned co-pending application. Briefly, the fraud check/risk assessment process is an opportunity for the funds transfer service to verify/analyze the credit, authentication and/or other information provided by the user and/or obtained from other sources. The criteria by which this assessment is made may vary from transaction to transaction but may include such factors as the amount being transferred, the user's payment preferences (e.g., use of credit card, debit card or electronic check authorizing retrieval of funds directly from a checking account), prior user history (e.g., as may be stored at
server 12 as each transaction is attempted and/or settled) or other criteria. Also various forms of authorization (both electronic and/or physical) provided by third parties (credit card issuers, check acceptance/guarantee services, credit scoring agencies, etc.), credit history reports (e.g., as provided by credit reporting agencies, etc.) and/or previous histories of the payer(s)/payee(s) (e.g., based on previous transactions) may be used to assess the risk involved in the transaction. - In some cases, this fraud check may indicate that the transaction is one that poses a high degree of risk and/or that review by non-automated means (e.g., human risk management assessors) is needed. Where needed, such a manual review process may be performed. If, in the end, the transaction fails the fraud check procedure, then the payer(s) and/or the payee(s) may be so notified, for example by e-mail messages. As part of such messages or in follow up communications, a request for additional credit and/or authentication information (e.g., an alternative credit card and/or bank account) may be made. This provides the user with another opportunity to complete the funds transfer. If the additional information is provided, the fraud check process may be reinitiated on the basis of this new information. Otherwise, the transaction is declined.
- Subsequent to or concurrently with the fraud check, the funds transfer service may transmit e-mail messages to the other parties (e.g., payee(s) or payer(s)) to the transaction indicating that the user has requested use of the service to facilitate a payment. This is especially true where the party identified by the user is not registered with the funds transfer service. As part of such an e-mail message, the unregistered parties may be presented with a uniform resource locator (URL) that specifies a Web address of the server. By pointing a browser at that Web address, such parties may register with the service (if they are not already so registered), access the transaction of interest (i.e., the one initiated by the user) and provide payment instructions. In those cases where a party declines the invitation to use the service, the user that initiated the transaction may be notified (e.g., by e-mail message).
- Where a party does agree to participate in the transaction, his/her identity and/or credit/authentication information may also be subjected to a fraud check/risk assessment similar to that discussed above. In this way, both parties to the funds transfer transaction may be verified before any authorization for a funds transfer is actually given.
- Assuming that the fraud check process is passed successfully (on both sides), the transaction may be settled. Depending upon the payment method and/or the payee's preferences, this settlement may be accomplished in any of a number of forms. For example, the credit card information submitted by the payer may be passed to a third party not otherwise associated with the transaction for processing to obtain funds. Once received, such funds may be transferred to the payee by ACH transfer or other means.
- Alternatively, where electronic checks are used, the funds transfer service may instruct an associated merchant bank to initiate an ACH pull transaction from the payer's account and transfer the funds to the account specified by the payee(s) in accordance with conventional ACH transactions between banks. In other cases, the ACH transaction may be initiated by the funds transfer system directly, without the use of a merchant bank. Where third party check guarantors are used, funds may be delivered to payees before actually being received from payers' accounts.
- Where the payee chooses to receive a hard copy check (or other instrument such as a money order) instead of an ACH transfer, payment instructions may be generated and the instrument (check, money order, etc.) produced and transmitted to the payee. The parties may then be notified of a successfully completed transaction.
- Thus, a funds transfer system for computer assisted transactions has been described. The service provided by such a system may be self-replicating (or viral) in as much as users who are seeking to transmit funds to non-registered individuals may themselves act as conduits for spreading usage of the system. For example, a non-registered individual who is to receive a payment or to whom a request for payment is sent may be provided with an invitation to register with the service (e.g., as part of an e-mail message regarding the payment transfer). Indeed, such registration may be required before the transfer can be completed. In this way more and more individuals may become registered users. Of course, although the present scheme has been discussed with reference to various illustrated embodiments, it should be appreciated that the present invention is not limited thereby and, instead, is to be measured only in terms of the claims which follow.
Claims (29)
1. A method of performing user-to-user funds transfer transactions, the method comprising:
registering a first user with a funds transfer service through web-based communications between the first user and a server system, wherein the first user submits account and authentication information via a web-based user interface of the server system during registration, said web-based user interface adapted to be used by both payers and payees to effect user-to-user funds transfer transactions;
presenting to the first user one or more web forms that provide functionality for the first user to submit payment requests for initiating funds transfer transactions with target users, wherein the one or more web forms provide functionality for specifying a target user by supplying an email address of the target user;
receiving, at the server system, a payment request submitted by the first user using the one or more web forms, said payment request specifying an email address of a second, target user who is not registered with the funds transfer service, and specifying a payment amount for performing a funds transfer transaction with the second user;
in response to receiving the payment request at the server system, transmitting an email message to the email address of the second user, said email message specifying a URL for accessing the server system, whereby the second user may access the server system to register with the funds transfer service and supply instructions for completing the funds transfer transaction; and
in response to the second user accessing the URL, communicating with the second user via the web-based user interface to register the second user with the funds transfer service, and to receive instructions from the second user for completing said funds transfer transaction with the first user.
2. The method of claim 1 , wherein the payment request is a request by the first user to send a payment to the second user.
3. The method of claim 2 , wherein the payment request specifies a credit card account of the first user, whereby the first user supplies credit card account information directly to the server system such that the first user's credit card information need not be exposed to the second user.
4. The method of claim 1 , wherein the payment request is a request by the first user to collect a payment from the second user.
5. The method of claim 1 , further comprising performing an automated transaction-specific risk assessment of the first user prior to completing the funds transfer transaction.
6. The method of claim 5 , wherein the transaction-specific risk assessment comprises an analysis of a transaction history of the first user.
7. The method of claim 5 , wherein the transaction-specific risk assessment takes into consideration said payment amount.
8. The method of claim 1 , further comprising performing an automated risk assessment of the first and second users prior to completing the funds transfer transaction.
9. The method of claim 8 , wherein the first and second users are individuals.
10. The method of claim 1 , wherein the second user supplies account and authentication information during registration with the funds transfer service.
11. The method of claim 1 , wherein the funds transfer transaction is in support of an auction purchase, and the payment request specifies one or more terms of the auction purchase.
12. The method of claim 1 , wherein the funds transfer transaction is in support of a purchase of an item, and the payment request includes a description of the item.
13. The method of claim 1 , wherein the method is performed automatically by a computer system under control of executable software.
14. A computer system programmed to perform the method of claim 1 .
15. A computer-implemented method of facilitating transfers of funds between users via a computer-based funds transfer service, the method comprising:
receiving, by a computer system associated with the funds transfer service, a payment request submitted by a registered user of the funds transfer service, wherein the payment request specifies an email address of a target user that is not registered with the funds transfer service, and specifies a payment amount for conducting a funds transfer transaction between the registered user and the target user; and
automatically responding to the payment request, at least in part, by sending, to the email address of the target user, an email message that invites the target user to use the funds transfer service to perform the funds transfer transaction, wherein the email message includes a uniform resource locator (URL) associated with the computer system, such that the user may access the computer system to register with the funds transfer service and provide instructions for performing the funds transfer transaction.
16. The method of claim 15 , further comprising electronically notifying the registered user if the target user declines the invitation to use the funds transfer service.
17. The method of claim 15 , wherein the funds transfer transaction is in support of an auction purchase, and the payment request specifies one or more terms of the auction purchase.
18. The method of claim 15 , wherein the funds transfer transaction is in support of a purchase of an item, and the payment request includes a description of the item.
19. The method of claim 15 , wherein the payment request is a request by the registered user to send a payment to the target user.
20. The method of claim 15 , wherein the payment request is a request by the registered user to collect a payment from the target user.
21. The method of claim 15 , further comprising performing an automated transaction-specific risk assessment of the funds transfer transaction.
22. The method of claim 21 , wherein the transaction-specific risk assessment comprises an analysis of a transaction history of the registered user.
23. The method of claim 21 , wherein the transaction-specific risk assessment takes into consideration said payment amount.
24. The method of claim 21 , wherein the transaction-specific risk assessment takes into consideration information about the registered user and information about the target user.
25. The method of claim 15 , wherein the payment request is submitted by the registered user via a web-based user interface of the funds transfer service.
26. The method of claim 25 , further comprising, via the web-based user interface, registering the target user with the funds transfer service and receiving instructions from the target user for performing the funds transfer transaction.
27. The method of claim 15 , wherein the target user is an individual.
28. The method of claim 15 , wherein the step of automatically responding to the payment request is performed by the computer system under control of executable software.
29. The method of claim 15 , wherein the computer system comprises multiple servers.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US11/049,825 US20050131816A1 (en) | 1999-05-14 | 2005-02-03 | Computer-based funds transfer system |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US09/312,309 US7194437B1 (en) | 1999-05-14 | 1999-05-14 | Computer-based funds transfer system |
US11/049,825 US20050131816A1 (en) | 1999-05-14 | 2005-02-03 | Computer-based funds transfer system |
Related Parent Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US09/312,309 Division US7194437B1 (en) | 1999-05-14 | 1999-05-14 | Computer-based funds transfer system |
Publications (1)
Publication Number | Publication Date |
---|---|
US20050131816A1 true US20050131816A1 (en) | 2005-06-16 |
Family
ID=34652180
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US09/312,309 Expired - Lifetime US7194437B1 (en) | 1999-05-14 | 1999-05-14 | Computer-based funds transfer system |
US11/049,825 Abandoned US20050131816A1 (en) | 1999-05-14 | 2005-02-03 | Computer-based funds transfer system |
Family Applications Before (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US09/312,309 Expired - Lifetime US7194437B1 (en) | 1999-05-14 | 1999-05-14 | Computer-based funds transfer system |
Country Status (1)
Country | Link |
---|---|
US (2) | US7194437B1 (en) |
Cited By (51)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20020083192A1 (en) * | 2000-12-18 | 2002-06-27 | Cora Alisuag | Computer oriented record administration system |
US20030167232A1 (en) * | 2002-03-01 | 2003-09-04 | Linton Lascelles A. | Method of reducing online fraud |
US20040098354A1 (en) * | 2002-11-15 | 2004-05-20 | Pitney Bowes Incorporated | Method and system for conveying funds and secure information between secure devices |
US20050279827A1 (en) * | 2004-04-28 | 2005-12-22 | First Data Corporation | Methods and systems for providing guaranteed merchant transactions |
US20060006224A1 (en) * | 2004-07-06 | 2006-01-12 | Visa International Service Association, A Delaware Corporation | Money transfer service with authentication |
US7003789B1 (en) * | 1999-12-21 | 2006-02-21 | International Business Machines Corporation | Television commerce payments |
US20060163341A1 (en) * | 1999-10-26 | 2006-07-27 | First Data Corp. | Internet funds transfer system using ATM pickup |
US20060282270A1 (en) * | 2005-06-09 | 2006-12-14 | First Data Corporation | Identity verification noise filter systems and methods |
US20070012757A1 (en) * | 2005-07-14 | 2007-01-18 | First Data Corporation | Identity verification switch |
US7395241B1 (en) * | 2000-01-19 | 2008-07-01 | Intuit Inc. | Consumer-directed financial transfers using automated clearinghouse networks |
US20080183621A1 (en) * | 2007-01-28 | 2008-07-31 | Evans Steven D | Payer direct hub |
US20090012889A1 (en) * | 2007-07-02 | 2009-01-08 | Early Warning Services, Llc | Payment account monitoring system and method |
US20090112760A1 (en) * | 2007-10-31 | 2009-04-30 | Bank Of America Corporation | Payment Handling |
US20090198617A1 (en) * | 2007-07-27 | 2009-08-06 | Ntt Docomo, Inc. | Method and apparatus for performing delegated transactions |
US20090228392A1 (en) * | 2008-03-05 | 2009-09-10 | Pinson Iii Walter H | Online credit escrow service |
US20090325542A1 (en) * | 2007-04-17 | 2009-12-31 | David Wentker | Method and system for authenticating a party to a transaction |
US20100005002A1 (en) * | 2000-09-12 | 2010-01-07 | Research In Motion Limited | Bookmark Beacon System And Method |
US20100131408A1 (en) * | 2008-11-21 | 2010-05-27 | Jeffrey William Perlman | System and Method of Validating a Relationship Between a User and a User Account at a Financial Institution |
US20100223184A1 (en) * | 2006-10-11 | 2010-09-02 | Visa International Service Association | Sponsored Accounts For Computer-Implemented Payment System |
US20110035319A1 (en) * | 2009-08-10 | 2011-02-10 | Olivier Brand | Systems and methods for enrolling users in a payment service |
US20110055077A1 (en) * | 2009-09-02 | 2011-03-03 | Susan French | Portable consumer device with funds transfer processing |
US8073775B1 (en) * | 2007-04-27 | 2011-12-06 | Intuit Inc. | Method and system for using an electronic check system |
US8280788B2 (en) | 2009-10-29 | 2012-10-02 | Visa International Service Association | Peer-to-peer and group financial management systems and methods |
US8335745B2 (en) | 2006-10-11 | 2012-12-18 | Visa International Service Association | Method and system for processing micropayment transactions |
US20130325720A1 (en) * | 2007-10-18 | 2013-12-05 | Moneygram International, Inc. | Global compliance processing system for a money transfer system |
US20140006284A1 (en) * | 2009-05-04 | 2014-01-02 | Patrick Faith | Pre-authorization of a transaction using predictive modeling |
US8676639B2 (en) | 2009-10-29 | 2014-03-18 | Visa International Service Association | System and method for promotion processing and authorization |
US20150254660A1 (en) * | 2010-05-12 | 2015-09-10 | Bank Of America Corporation | Anonymous Electronic Payment System |
WO2015191452A1 (en) * | 2014-06-13 | 2015-12-17 | Mastercard International Incorporated | Payment network with service provider directory function |
US20160071069A1 (en) * | 2014-09-05 | 2016-03-10 | Thomas Skala | Payment system and method |
US9715709B2 (en) | 2008-05-09 | 2017-07-25 | Visa International Services Association | Communication device including multi-part alias identifier |
US9751006B2 (en) | 2012-11-26 | 2017-09-05 | Moneygram International, Inc. | Promotion generation engine for a money transfer system |
WO2018110723A1 (en) * | 2016-12-13 | 2018-06-21 | 라인 가부시키가이샤 | Payment method and system |
US10068220B2 (en) | 2006-10-11 | 2018-09-04 | Visa International Service Association | Systems and methods for brokered authentication express seller links |
WO2018213508A1 (en) * | 2017-05-16 | 2018-11-22 | Apple Inc. | User interfaces for peer-to-peer transfers |
US10192204B2 (en) | 2013-08-01 | 2019-01-29 | Moneygram International, Inc. | System and method for staging money transfers between users having profiles |
US10296889B2 (en) | 2008-09-30 | 2019-05-21 | Apple Inc. | Group peer-to-peer financial transactions |
WO2019143711A1 (en) * | 2018-01-18 | 2019-07-25 | Visa International Service Association | Mobile device payment system and method |
US10402795B2 (en) | 2012-01-05 | 2019-09-03 | Moneygram International, Inc. | Prefunding for money transfer send transactions |
US10755245B2 (en) | 2013-02-25 | 2020-08-25 | Moneygram International, Inc. | Money transfer system having location based language and dynamic receipt capabilities |
US10783576B1 (en) | 2019-03-24 | 2020-09-22 | Apple Inc. | User interfaces for managing an account |
US10796294B2 (en) | 2017-05-16 | 2020-10-06 | Apple Inc. | User interfaces for peer-to-peer transfers |
US10909524B2 (en) | 2018-06-03 | 2021-02-02 | Apple Inc. | User interfaces for transfer accounts |
US11074572B2 (en) | 2016-09-06 | 2021-07-27 | Apple Inc. | User interfaces for stored-value accounts |
US11100498B2 (en) | 2018-06-03 | 2021-08-24 | Apple Inc. | User interfaces for transfer accounts |
US11121989B1 (en) | 2020-05-29 | 2021-09-14 | Bank Of America Corporation | Centralized repository and communication system for cross-network interactions |
US11221744B2 (en) | 2017-05-16 | 2022-01-11 | Apple Inc. | User interfaces for peer-to-peer transfers |
US11367114B2 (en) * | 2013-07-03 | 2022-06-21 | Bill.Com, Llc | System and method for enhanced access and control for connecting entities and effecting payments in a commercially oriented entity network |
US11481769B2 (en) | 2016-06-11 | 2022-10-25 | Apple Inc. | User interface for transactions |
US11784956B2 (en) | 2021-09-20 | 2023-10-10 | Apple Inc. | Requests to add assets to an asset account |
US11921992B2 (en) | 2021-05-14 | 2024-03-05 | Apple Inc. | User interfaces related to time |
Families Citing this family (255)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JP2003524220A (en) | 1998-12-23 | 2003-08-12 | ジェイピーモルガン・チェース・バンク | System and method for integrating trading activities including creation, processing and tracking of trading documents |
US7451114B1 (en) * | 1999-02-19 | 2008-11-11 | Visa International Service Association | Conducting commerce between individuals |
AU4501600A (en) * | 1999-04-30 | 2000-11-17 | X.Com Corporation | System and method for electronically exchanging value among distributed users |
US7685067B1 (en) | 1999-05-14 | 2010-03-23 | Amazon.Com, Inc. | Computer-assisted funds transfer system |
US8195565B2 (en) | 1999-11-05 | 2012-06-05 | Lead Core Fund, L.L.C. | Systems and methods for point of interaction based policy routing of transactions |
US7941367B2 (en) * | 1999-11-05 | 2011-05-10 | American Express Travel Related Services Company, Inc. | Systems and methods for allocating an amount between sub-accounts |
US7925585B2 (en) * | 1999-11-05 | 2011-04-12 | American Express Travel Related Services Company, Inc. | Systems and methods for facilitating transactions with different account issuers |
US8646685B2 (en) | 1999-11-05 | 2014-02-11 | Lead Core Fund, L.L.C. | Device for allocating a payment authorization request to a payment processor |
US8814039B2 (en) | 1999-11-05 | 2014-08-26 | Lead Core Fund, L.L.C. | Methods for processing a payment authorization request utilizing a network of point of sale devices |
US8794509B2 (en) | 1999-11-05 | 2014-08-05 | Lead Core Fund, L.L.C. | Systems and methods for processing a payment authorization request over disparate payment networks |
US8275704B2 (en) * | 1999-11-05 | 2012-09-25 | Lead Core Fund, L.L.C. | Systems and methods for authorizing an allocation of an amount between transaction accounts |
US8234212B2 (en) * | 1999-11-05 | 2012-07-31 | Lead Core Fund, L.L.C. | Systems and methods for facilitating transactions with interest |
US7962406B2 (en) * | 1999-11-05 | 2011-06-14 | American Express Travel Related Services Company, Inc. | Systems and methods for facilitating transactions |
US7908214B2 (en) * | 1999-11-05 | 2011-03-15 | American Express Travel Related Services Company, Inc. | Systems and methods for adjusting loan amounts to facilitate transactions |
US8103584B2 (en) * | 1999-11-05 | 2012-01-24 | American Express Travel Related Services Company, Inc. | Systems and methods for authorizing an allocation of an amount between transaction accounts |
US8851369B2 (en) | 1999-11-05 | 2014-10-07 | Lead Core Fund, L.L.C. | Systems and methods for transaction processing using a smartcard |
US7979349B2 (en) * | 1999-11-05 | 2011-07-12 | American Express Travel Related Services Company, Inc. | Systems and methods for adjusting crediting limits to facilitate transactions |
US7996307B2 (en) * | 1999-11-05 | 2011-08-09 | American Express Travel Related Services Company, Inc. | Systems and methods for facilitating transactions between different financial accounts |
US7899744B2 (en) * | 1999-11-05 | 2011-03-01 | American Express Travel Related Services Company, Inc. | Systems and methods for approval of an allocation |
US8875990B2 (en) | 1999-11-05 | 2014-11-04 | Lead Core Fund, L.L.C. | Systems and methods for allocating a payment authorization request to a payment processor |
US8458086B2 (en) * | 1999-11-05 | 2013-06-04 | Lead Core Fund, L.L.C. | Allocating partial payment of a transaction amount using an allocation rule |
US7962408B2 (en) * | 1999-11-05 | 2011-06-14 | American Express Travel Related Services Company, Inc. | Systems and methods for establishing an allocation of an amount between transaction accounts |
US8180706B2 (en) | 1999-11-05 | 2012-05-15 | Lead Core Fund, L.L.C. | Systems and methods for maximizing a rewards accumulation strategy during transaction processing |
US7904385B2 (en) * | 1999-11-05 | 2011-03-08 | American Express Travel Related Services Company, Inc. | Systems and methods for facilitating budgeting transactions |
US8596527B2 (en) | 1999-11-05 | 2013-12-03 | Lead Core Fund, L.L.C. | Methods for locating a payment system utilizing a point of sale device |
US7877325B2 (en) * | 1999-11-05 | 2011-01-25 | American Express Travel Related Services Company, Inc. | Systems and methods for settling an allocation of an amount between transaction accounts |
US7941372B2 (en) * | 1999-11-05 | 2011-05-10 | American Express Travel Related Services Company, Inc. | Systems and methods for receiving an allocation of an amount between transaction accounts |
US20090048886A1 (en) * | 1999-11-05 | 2009-02-19 | American Express Travel Related Services Company, Inc. | Systems and Methods for Facilitating Gifting Transactions |
US7962407B2 (en) * | 1999-11-05 | 2011-06-14 | American Express Travel Related Services Company, Inc. | Systems and methods for allocating an amount between transaction accounts |
US20090048887A1 (en) * | 1999-11-05 | 2009-02-19 | American Express Travel Related Services Company, Inc. | Systems and Methods for Facilitating Transactions Involving an Intermediary |
US8073772B2 (en) | 1999-11-05 | 2011-12-06 | American Express Travel Related Services Company, Inc. | Systems and methods for processing transactions using multiple budgets |
US20090048885A1 (en) * | 1999-11-05 | 2009-02-19 | American Express Travel Related Services Company, Inc. | Systems and Methods for Facilitating Cost-Splitting Transactions |
US7426492B1 (en) * | 1999-11-05 | 2008-09-16 | American Express Travel Related Services Company, Inc. | Systems and methods for facilitating commercial transactions between parties residing at remote locations |
US8103585B2 (en) * | 1999-11-05 | 2012-01-24 | American Express Travel Related Services Company, Inc. | Systems and methods for suggesting an allocation |
US8820633B2 (en) | 1999-11-05 | 2014-09-02 | Lead Core Fund, L.L.C. | Methods for a third party biller to receive an allocated payment authorization request |
US8190514B2 (en) | 1999-11-05 | 2012-05-29 | Lead Core Fund, L.L.C. | Systems and methods for transaction processing based upon an overdraft scenario |
US8571975B1 (en) * | 1999-11-24 | 2013-10-29 | Jpmorgan Chase Bank, N.A. | System and method for sending money via E-mail over the internet |
US7966259B1 (en) * | 1999-12-09 | 2011-06-21 | Amazon.Com, Inc. | System and methods for facilitating transactions on, and personalizing web pages of, third party web sites |
US7822656B2 (en) * | 2000-02-15 | 2010-10-26 | Jpmorgan Chase Bank, N.A. | International banking system and method |
US7499875B1 (en) | 2000-03-17 | 2009-03-03 | Ebay Inc. | Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments |
US8706618B2 (en) | 2005-09-29 | 2014-04-22 | Ebay Inc. | Release of funds based on criteria |
DE10195918T1 (en) * | 2000-03-17 | 2003-04-03 | Ebay Inc | Method and device for facilitating payment transactions in a network-based transaction device using various payment instruments |
US10521782B2 (en) * | 2000-05-15 | 2019-12-31 | Efunds Corporation | System for and method of effecting an electronic transaction |
US10185936B2 (en) | 2000-06-22 | 2019-01-22 | Jpmorgan Chase Bank, N.A. | Method and system for processing internet payments |
US7359880B2 (en) * | 2000-07-11 | 2008-04-15 | Abel Luther C | System and method for consumer control over card-based transactions |
AU2001285422A1 (en) | 2000-08-11 | 2002-02-25 | John J. Loy | Trade receivable processing method and apparatus |
AU2002224482A1 (en) | 2000-11-06 | 2002-05-15 | First Usa Bank, N.A. | System and method for selectable funding of electronic transactions |
US7953660B2 (en) * | 2000-12-28 | 2011-05-31 | Checkfree Services Corporation | Method and system for payment processing |
US7483856B2 (en) | 2001-01-17 | 2009-01-27 | Xprt Ventures, Llc | System and method for effecting payment for an electronic auction commerce transaction |
US7567937B2 (en) * | 2001-01-17 | 2009-07-28 | Xprt Ventures, Llc | System and method for automatically effecting payment for a user of an electronic auction system |
US8805739B2 (en) | 2001-01-30 | 2014-08-12 | Jpmorgan Chase Bank, National Association | System and method for electronic bill pay and presentment |
US20030233317A1 (en) * | 2001-01-30 | 2003-12-18 | Nyce Corporation | Methods and systems for transferring funds |
US20030050892A1 (en) * | 2001-09-07 | 2003-03-13 | Efunds Corporation | Electronic point-of-sale check processing method and system |
US20030233318A1 (en) * | 2001-11-26 | 2003-12-18 | King Douglas W. | Systems and methods for fund transfers |
AU2003226203B2 (en) * | 2002-03-29 | 2008-02-14 | Oracle International Corporation | Methods and systems for non-interrupting notifications |
KR100468031B1 (en) * | 2002-03-29 | 2005-01-24 | (주) 시큐컴 | Publication and settlement of account for an electronic check |
US7689482B2 (en) * | 2002-05-24 | 2010-03-30 | Jp Morgan Chase Bank, N.A. | System and method for payer (buyer) defined electronic invoice exchange |
US10311412B1 (en) | 2003-03-28 | 2019-06-04 | Jpmorgan Chase Bank, N.A. | Method and system for providing bundled electronic payment and remittance advice |
GB0314899D0 (en) * | 2003-06-26 | 2003-07-30 | Ibm | Detecting structuring of financial transactions |
US7814003B2 (en) | 2003-12-15 | 2010-10-12 | Jp Morgan Chase | Billing workflow system for crediting charges to entities creating derivatives exposure |
US20050177510A1 (en) * | 2004-02-09 | 2005-08-11 | Visa International Service Association, A Delaware Corporation | Buyer initiated payment |
US7380707B1 (en) * | 2004-02-25 | 2008-06-03 | Jpmorgan Chase Bank, N.A. | Method and system for credit card reimbursements for health care transactions |
US8554673B2 (en) | 2004-06-17 | 2013-10-08 | Jpmorgan Chase Bank, N.A. | Methods and systems for discounts management |
US8121944B2 (en) | 2004-06-24 | 2012-02-21 | Jpmorgan Chase Bank, N.A. | Method and system for facilitating network transaction processing |
US8290862B2 (en) | 2004-07-23 | 2012-10-16 | Jpmorgan Chase Bank, N.A. | Method and system for expediting payment delivery |
US8290863B2 (en) | 2004-07-23 | 2012-10-16 | Jpmorgan Chase Bank, N.A. | Method and system for expediting payment delivery |
US8171303B2 (en) * | 2004-11-03 | 2012-05-01 | Astav, Inc. | Authenticating a login |
US20060143477A1 (en) * | 2004-12-27 | 2006-06-29 | Stevens Harden E Iii | User identification and data fingerprinting/authentication |
US7822682B2 (en) | 2005-06-08 | 2010-10-26 | Jpmorgan Chase Bank, N.A. | System and method for enhancing supply chain transactions |
US20070027807A1 (en) * | 2005-07-29 | 2007-02-01 | Alexandre Bronstein | Protecting against fraud by impersonation |
US8762263B2 (en) | 2005-09-06 | 2014-06-24 | Visa U.S.A. Inc. | System and method for secured account numbers in proximity devices |
US20070061396A1 (en) * | 2005-09-09 | 2007-03-15 | Morris Robert P | Methods, systems, and computer program products for providing service data to a service provider |
US8301529B1 (en) | 2005-11-02 | 2012-10-30 | Jpmorgan Chase Bank, N.A. | Method and system for implementing effective governance of transactions between trading partners |
US20070136197A1 (en) * | 2005-12-13 | 2007-06-14 | Morris Robert P | Methods, systems, and computer program products for authorizing a service request based on account-holder-configured authorization rules |
US20070209081A1 (en) * | 2006-03-01 | 2007-09-06 | Morris Robert P | Methods, systems, and computer program products for providing a client device with temporary access to a service during authentication of the client device |
US7734545B1 (en) | 2006-06-14 | 2010-06-08 | Jpmorgan Chase Bank, N.A. | Method and system for processing recurring payments |
US8436076B2 (en) * | 2006-08-25 | 2013-05-07 | Rensselaer Polytechnic Institute | Method for producing polyester nanocomposites |
AU2006222701A1 (en) * | 2006-09-21 | 2008-04-10 | Claudia Von Heesen | Payment method and system |
US20080114684A1 (en) * | 2006-10-31 | 2008-05-15 | Chuck Foster | Termination of transactions |
US8060437B2 (en) * | 2006-10-31 | 2011-11-15 | International Funding Partners Llc | Automatic termination of electronic transactions |
US20080114691A1 (en) * | 2006-10-31 | 2008-05-15 | Chuck Foster | Processing transactions |
US20080154735A1 (en) * | 2006-12-26 | 2008-06-26 | Mark Carlson | Mobile vending purchasing |
US7848980B2 (en) * | 2006-12-26 | 2010-12-07 | Visa U.S.A. Inc. | Mobile payment system and method using alias |
US8615426B2 (en) | 2006-12-26 | 2013-12-24 | Visa U.S.A. Inc. | Coupon offers from multiple entities |
CN101647040A (en) * | 2006-12-26 | 2010-02-10 | 维萨美国股份有限公司 | Mobile payment system and method using alias |
US9940627B2 (en) * | 2006-12-26 | 2018-04-10 | Visa U.S.A. Inc. | Mobile coupon method and system |
US20080201226A1 (en) * | 2006-12-26 | 2008-08-21 | Mark Carlson | Mobile coupon method and portable consumer device for utilizing same |
KR101561428B1 (en) | 2007-01-09 | 2015-10-19 | 비자 유에스에이 인코포레이티드 | Contactless transaction |
US8121956B2 (en) | 2007-06-25 | 2012-02-21 | Visa U.S.A. Inc. | Cardless challenge systems and methods |
US7739169B2 (en) | 2007-06-25 | 2010-06-15 | Visa U.S.A. Inc. | Restricting access to compromised account information |
US7937324B2 (en) | 2007-09-13 | 2011-05-03 | Visa U.S.A. Inc. | Account permanence |
US8170527B2 (en) | 2007-09-26 | 2012-05-01 | Visa U.S.A. Inc. | Real-time balance on a mobile phone |
US7766244B1 (en) | 2007-12-31 | 2010-08-03 | Jpmorgan Chase Bank, N.A. | System and method for processing transactions using a multi-account transactions device |
US8622308B1 (en) | 2007-12-31 | 2014-01-07 | Jpmorgan Chase Bank, N.A. | System and method for processing transactions using a multi-account transactions device |
US9542687B2 (en) | 2008-06-26 | 2017-01-10 | Visa International Service Association | Systems and methods for visual representation of offers |
US9324098B1 (en) | 2008-07-22 | 2016-04-26 | Amazon Technologies, Inc. | Hosted payment service system and method |
US8219489B2 (en) | 2008-07-29 | 2012-07-10 | Visa U.S.A. Inc. | Transaction processing using a global unique identifier |
US8447669B2 (en) | 2008-08-26 | 2013-05-21 | Visa U.S.A. Inc. | System and method for implementing financial assistance programs |
US8977567B2 (en) * | 2008-09-22 | 2015-03-10 | Visa International Service Association | Recordation of electronic payment transaction information |
US10706402B2 (en) | 2008-09-22 | 2020-07-07 | Visa International Service Association | Over the air update of payment transaction data stored in secure memory |
US9824355B2 (en) | 2008-09-22 | 2017-11-21 | Visa International Service Association | Method of performing transactions with contactless payment devices using pre-tap and two-tap operations |
US9747621B1 (en) | 2008-09-23 | 2017-08-29 | Amazon Technologies, Inc. | Widget-based integration of payment gateway functionality into transactional sites |
CA2742963A1 (en) | 2008-11-06 | 2010-05-14 | Visa International Service Association | Online challenge-response |
US9715681B2 (en) | 2009-04-28 | 2017-07-25 | Visa International Service Association | Verification of portable consumer devices |
US8534564B2 (en) | 2009-05-15 | 2013-09-17 | Ayman Hammad | Integration of verification tokens with mobile communication devices |
US10846683B2 (en) | 2009-05-15 | 2020-11-24 | Visa International Service Association | Integration of verification tokens with mobile communication devices |
US8602293B2 (en) | 2009-05-15 | 2013-12-10 | Visa International Service Association | Integration of verification tokens with portable computing devices |
US8893967B2 (en) | 2009-05-15 | 2014-11-25 | Visa International Service Association | Secure Communication of payment information to merchants using a verification token |
US7891560B2 (en) * | 2009-05-15 | 2011-02-22 | Visa International Service Assocation | Verification of portable consumer devices |
US9038886B2 (en) | 2009-05-15 | 2015-05-26 | Visa International Service Association | Verification of portable consumer devices |
US9105027B2 (en) | 2009-05-15 | 2015-08-11 | Visa International Service Association | Verification of portable consumer device for secure services |
US10140598B2 (en) | 2009-05-20 | 2018-11-27 | Visa International Service Association | Device including encrypted data for expiration date and verification value creation |
US10255591B2 (en) | 2009-12-18 | 2019-04-09 | Visa International Service Association | Payment channel returning limited use proxy dynamic value |
CN102713922B (en) | 2010-01-12 | 2015-11-25 | 维萨国际服务协会 | For the method whenever confirmed to checking token |
US9424413B2 (en) | 2010-02-24 | 2016-08-23 | Visa International Service Association | Integration of payment capability into secure elements of computers |
US10255601B2 (en) | 2010-02-25 | 2019-04-09 | Visa International Service Association | Multifactor authentication using a directory server |
US9245267B2 (en) | 2010-03-03 | 2016-01-26 | Visa International Service Association | Portable account number for consumer payment account |
US8447641B1 (en) | 2010-03-29 | 2013-05-21 | Jpmorgan Chase Bank, N.A. | System and method for automatically enrolling buyers into a network |
US8336088B2 (en) | 2010-04-19 | 2012-12-18 | Visa International Service Association | Alias management and value transfer claim processing |
US9342832B2 (en) | 2010-08-12 | 2016-05-17 | Visa International Service Association | Securing external systems with account token substitution |
US8589288B1 (en) | 2010-10-01 | 2013-11-19 | Jpmorgan Chase Bank, N.A. | System and method for electronic remittance of funds |
WO2012054786A1 (en) | 2010-10-20 | 2012-04-26 | Playspan Inc. | Flexible monetization service apparatuses, methods and systems |
WO2012106655A2 (en) | 2011-02-05 | 2012-08-09 | Visa International Service Association | Merchant-consumer bridging platform apparatuses, methods and systems |
WO2012109628A2 (en) | 2011-02-10 | 2012-08-16 | Visa International Service Assocation | Electronic coupon issuance and redemption apparatuses, methods and systems |
US10586227B2 (en) | 2011-02-16 | 2020-03-10 | Visa International Service Association | Snap mobile payment apparatuses, methods and systems |
BR112013021059A2 (en) | 2011-02-16 | 2020-10-27 | Visa International Service Association | Snap mobile payment systems, methods and devices |
US10223691B2 (en) | 2011-02-22 | 2019-03-05 | Visa International Service Association | Universal electronic payment apparatuses, methods and systems |
AU2012223415B2 (en) | 2011-02-28 | 2017-05-18 | Visa International Service Association | Secure anonymous transaction apparatuses, methods and systems |
WO2012122060A1 (en) | 2011-03-04 | 2012-09-13 | Visa International Service Association | Cloud service facilitator apparatuses, methods and systems |
US8543503B1 (en) | 2011-03-30 | 2013-09-24 | Jpmorgan Chase Bank, N.A. | Systems and methods for automated invoice entry |
US8543504B1 (en) | 2011-03-30 | 2013-09-24 | Jpmorgan Chase Bank, N.A. | Systems and methods for automated invoice entry |
US9280765B2 (en) | 2011-04-11 | 2016-03-08 | Visa International Service Association | Multiple tokenization for authentication |
US9037963B1 (en) | 2011-04-22 | 2015-05-19 | Amazon Technologies, Inc. | Secure cross-domain web browser communications |
WO2012155081A1 (en) | 2011-05-11 | 2012-11-15 | Visa International Service Association | Electronic receipt manager apparatuses, methods and systems |
CN103797500A (en) | 2011-06-03 | 2014-05-14 | 维萨国际服务协会 | Virtual wallet card selection apparatuses, methods and systems |
US9582598B2 (en) | 2011-07-05 | 2017-02-28 | Visa International Service Association | Hybrid applications utilizing distributed models and views apparatuses, methods and systems |
US9355393B2 (en) | 2011-08-18 | 2016-05-31 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
WO2013006725A2 (en) | 2011-07-05 | 2013-01-10 | Visa International Service Association | Electronic wallet checkout platform apparatuses, methods and systems |
US10438176B2 (en) | 2011-07-17 | 2019-10-08 | Visa International Service Association | Multiple merchant payment processor platform apparatuses, methods and systems |
US9240010B2 (en) | 2011-07-28 | 2016-01-19 | Iii Holdings 1, Llc | Systems and methods for generating and using a digital pass |
WO2013019567A2 (en) | 2011-07-29 | 2013-02-07 | Visa International Service Association | Passing payment tokens through an hop/sop |
US10825001B2 (en) | 2011-08-18 | 2020-11-03 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
US9710807B2 (en) | 2011-08-18 | 2017-07-18 | Visa International Service Association | Third-party value added wallet features and interfaces apparatuses, methods and systems |
US10242358B2 (en) | 2011-08-18 | 2019-03-26 | Visa International Service Association | Remote decoupled application persistent state apparatuses, methods and systems |
US10318941B2 (en) | 2011-12-13 | 2019-06-11 | Visa International Service Association | Payment platform interface widget generation apparatuses, methods and systems |
US9165294B2 (en) | 2011-08-24 | 2015-10-20 | Visa International Service Association | Method for using barcodes and mobile devices to conduct payment transactions |
US9117225B2 (en) | 2011-09-16 | 2015-08-25 | Visa International Service Association | Apparatuses, methods and systems for transforming user infrastructure requests inputs to infrastructure design product and infrastructure allocation outputs |
US10223730B2 (en) | 2011-09-23 | 2019-03-05 | Visa International Service Association | E-wallet store injection search apparatuses, methods and systems |
US9953378B2 (en) | 2012-04-27 | 2018-04-24 | Visa International Service Association | Social checkout widget generation and integration apparatuses, methods and systems |
US10096022B2 (en) | 2011-12-13 | 2018-10-09 | Visa International Service Association | Dynamic widget generator apparatuses, methods and systems |
CN109508983A (en) | 2012-01-05 | 2019-03-22 | 维萨国际服务协会 | Data protection is carried out with conversion |
US10223710B2 (en) | 2013-01-04 | 2019-03-05 | Visa International Service Association | Wearable intelligent vision device apparatuses, methods and systems |
US10262148B2 (en) | 2012-01-09 | 2019-04-16 | Visa International Service Association | Secure dynamic page content and layouts apparatuses, methods and systems |
US11308227B2 (en) | 2012-01-09 | 2022-04-19 | Visa International Service Association | Secure dynamic page content and layouts apparatuses, methods and systems |
WO2013113004A1 (en) | 2012-01-26 | 2013-08-01 | Visa International Service Association | System and method of providing tokenization as a service |
AU2013214801B2 (en) | 2012-02-02 | 2018-06-21 | Visa International Service Association | Multi-source, multi-dimensional, cross-entity, multimedia database platform apparatuses, methods and systems |
US10282724B2 (en) | 2012-03-06 | 2019-05-07 | Visa International Service Association | Security system incorporating mobile device |
WO2013166501A1 (en) | 2012-05-04 | 2013-11-07 | Visa International Service Association | System and method for local data conversion |
US9524501B2 (en) | 2012-06-06 | 2016-12-20 | Visa International Service Association | Method and system for correlating diverse transaction data |
US8538873B1 (en) | 2012-06-15 | 2013-09-17 | Bank Of America Corporation | Communication network for gathering information and performing electronic transactions |
WO2014008403A1 (en) | 2012-07-03 | 2014-01-09 | Visa International Service Association | Data protection hub |
US9846861B2 (en) | 2012-07-25 | 2017-12-19 | Visa International Service Association | Upstream and downstream data conversion |
US9256871B2 (en) | 2012-07-26 | 2016-02-09 | Visa U.S.A. Inc. | Configurable payment tokens |
US9665722B2 (en) | 2012-08-10 | 2017-05-30 | Visa International Service Association | Privacy firewall |
US10192216B2 (en) | 2012-09-11 | 2019-01-29 | Visa International Service Association | Cloud-based virtual wallet NFC apparatuses, methods and systems |
WO2014066559A1 (en) | 2012-10-23 | 2014-05-01 | Visa International Service Association | Transaction initiation determination system utilizing transaction data elements |
US9911118B2 (en) | 2012-11-21 | 2018-03-06 | Visa International Service Association | Device pairing via trusted intermediary |
US10304047B2 (en) | 2012-12-07 | 2019-05-28 | Visa International Service Association | Token generating component |
US8762272B1 (en) * | 2012-12-27 | 2014-06-24 | Google Inc. | Management of emails containing payments |
US10740731B2 (en) | 2013-01-02 | 2020-08-11 | Visa International Service Association | Third party settlement |
US9741051B2 (en) | 2013-01-02 | 2017-08-22 | Visa International Service Association | Tokenization and third-party interaction |
US9940610B1 (en) | 2013-02-15 | 2018-04-10 | Amazon Technologies, Inc. | Payments portal |
US9449321B2 (en) | 2013-03-15 | 2016-09-20 | Square, Inc. | Transferring money using email |
US8606703B1 (en) * | 2013-03-15 | 2013-12-10 | Square, Inc. | Method for transferring money using email |
US9536232B2 (en) * | 2013-03-15 | 2017-01-03 | Square, Inc. | Transferring money using email |
US10339506B2 (en) * | 2013-03-25 | 2019-07-02 | Swoop Ip Holdings Llc | Method and system for a secure registration |
US11055710B2 (en) | 2013-05-02 | 2021-07-06 | Visa International Service Association | Systems and methods for verifying and processing transactions using virtual currency |
KR102058175B1 (en) | 2013-05-15 | 2019-12-20 | 비자 인터네셔널 서비스 어소시에이션 | Mobile tokenization hub |
US10878422B2 (en) | 2013-06-17 | 2020-12-29 | Visa International Service Association | System and method using merchant token |
WO2015013522A1 (en) | 2013-07-24 | 2015-01-29 | Visa International Service Association | Systems and methods for communicating risk using token assurance data |
US10902421B2 (en) | 2013-07-26 | 2021-01-26 | Visa International Service Association | Provisioning payment credentials to a consumer |
AU2014306259A1 (en) | 2013-08-08 | 2016-02-25 | Visa International Service Association | Methods and systems for provisioning mobile devices with payment credentials |
US10496986B2 (en) | 2013-08-08 | 2019-12-03 | Visa International Service Association | Multi-network tokenization processing |
US9978094B2 (en) | 2013-10-11 | 2018-05-22 | Visa International Service Association | Tokenization revocation list |
JP6386567B2 (en) | 2013-10-11 | 2018-09-05 | ビザ インターナショナル サービス アソシエーション | Network token system |
US9378491B1 (en) | 2013-10-15 | 2016-06-28 | Square, Inc. | Payment transfer by sending E-mail |
US10515358B2 (en) | 2013-10-18 | 2019-12-24 | Visa International Service Association | Contextual transaction token methods and systems |
US10489779B2 (en) | 2013-10-21 | 2019-11-26 | Visa International Service Association | Multi-network token bin routing with defined verification parameters |
US10366387B2 (en) | 2013-10-29 | 2019-07-30 | Visa International Service Association | Digital wallet system and method |
US9058626B1 (en) | 2013-11-13 | 2015-06-16 | Jpmorgan Chase Bank, N.A. | System and method for financial services device usage |
CN105934771B (en) | 2013-11-19 | 2020-05-05 | 维萨国际服务协会 | Automatic account provisioning |
US9922322B2 (en) | 2013-12-19 | 2018-03-20 | Visa International Service Association | Cloud-based transactions with magnetic secure transmission |
AU2014368949A1 (en) | 2013-12-19 | 2016-06-09 | Visa International Service Association | Cloud-based transactions methods and systems |
US10433128B2 (en) | 2014-01-07 | 2019-10-01 | Visa International Service Association | Methods and systems for provisioning multiple devices |
US9846878B2 (en) | 2014-01-14 | 2017-12-19 | Visa International Service Association | Payment account identifier system |
US10026087B2 (en) | 2014-04-08 | 2018-07-17 | Visa International Service Association | Data passed in an interaction |
USD769274S1 (en) | 2014-04-21 | 2016-10-18 | Square, Inc. | Display screen with a graphical user interface |
US9942043B2 (en) | 2014-04-23 | 2018-04-10 | Visa International Service Association | Token security on a communication device |
AU2015253182B2 (en) | 2014-05-01 | 2019-02-14 | Visa International Service Association | Data verification using access device |
AU2015256205B2 (en) | 2014-05-05 | 2020-07-16 | Visa International Service Association | System and method for token domain control |
AU2015264124B2 (en) | 2014-05-21 | 2019-05-09 | Visa International Service Association | Offline authentication |
US11023890B2 (en) | 2014-06-05 | 2021-06-01 | Visa International Service Association | Identification and verification for provisioning mobile application |
US9780953B2 (en) | 2014-07-23 | 2017-10-03 | Visa International Service Association | Systems and methods for secure detokenization |
US10484345B2 (en) | 2014-07-31 | 2019-11-19 | Visa International Service Association | System and method for identity verification across mobile applications |
US11507931B1 (en) | 2014-07-31 | 2022-11-22 | Block, Inc. | Payout payment platform |
US9775029B2 (en) | 2014-08-22 | 2017-09-26 | Visa International Service Association | Embedding cloud-based functionalities in a communication device |
US10140615B2 (en) | 2014-09-22 | 2018-11-27 | Visa International Service Association | Secure mobile device credential provisioning using risk decision non-overrides |
BR112017005824A2 (en) | 2014-09-26 | 2017-12-12 | Visa Int Service Ass | method and mobile device. |
US11257074B2 (en) | 2014-09-29 | 2022-02-22 | Visa International Service Association | Transaction risk based token |
US10015147B2 (en) | 2014-10-22 | 2018-07-03 | Visa International Service Association | Token enrollment system and method |
GB201419016D0 (en) | 2014-10-24 | 2014-12-10 | Visa Europe Ltd | Transaction Messaging |
US10325261B2 (en) | 2014-11-25 | 2019-06-18 | Visa International Service Association | Systems communications with non-sensitive identifiers |
CA2964791A1 (en) | 2014-11-26 | 2016-06-02 | Visa International Service Association | Tokenization request via access device |
US11580519B2 (en) | 2014-12-12 | 2023-02-14 | Visa International Service Association | Provisioning platform for machine-to-machine devices |
US9990613B1 (en) * | 2014-12-12 | 2018-06-05 | Square, Inc. | Bill payment using direct funds transfer |
US10257185B2 (en) | 2014-12-12 | 2019-04-09 | Visa International Service Association | Automated access data provisioning |
US10187363B2 (en) | 2014-12-31 | 2019-01-22 | Visa International Service Association | Hybrid integration of software development kit with secure execution environment |
US10096009B2 (en) | 2015-01-20 | 2018-10-09 | Visa International Service Association | Secure payment processing using authorization request |
US11250391B2 (en) | 2015-01-30 | 2022-02-15 | Visa International Service Association | Token check offline |
WO2016126729A1 (en) | 2015-02-03 | 2016-08-11 | Visa International Service Association | Validation identity tokens for transactions |
US11216468B2 (en) | 2015-02-08 | 2022-01-04 | Visa International Service Association | Converged merchant processing apparatuses, methods and systems |
US10977657B2 (en) | 2015-02-09 | 2021-04-13 | Visa International Service Association | Token processing utilizing multiple authorizations |
US10164996B2 (en) | 2015-03-12 | 2018-12-25 | Visa International Service Association | Methods and systems for providing a low value token buffer |
CN107438992B (en) | 2015-04-10 | 2020-12-01 | 维萨国际服务协会 | Integration of browser and password |
US9998978B2 (en) | 2015-04-16 | 2018-06-12 | Visa International Service Association | Systems and methods for processing dormant virtual access devices |
US10552834B2 (en) | 2015-04-30 | 2020-02-04 | Visa International Service Association | Tokenization capable authentication framework |
US10600039B2 (en) | 2015-05-20 | 2020-03-24 | Mastercard International Incorporated | Systems and methods for managing financial payments between parties |
US10410194B1 (en) | 2015-08-19 | 2019-09-10 | Square, Inc. | Customized tipping flow |
US10127532B1 (en) | 2015-08-19 | 2018-11-13 | Square, Inc. | Customized transaction flow |
WO2017066792A1 (en) | 2015-10-15 | 2017-04-20 | Visa International Service Association | Instant token issuance system |
EP3384630B1 (en) | 2015-12-04 | 2021-08-18 | Visa International Service Association | Unique code for token verification |
CA3009659C (en) | 2016-01-07 | 2022-12-13 | Visa International Service Association | Systems and methods for device push provisioning |
WO2017136418A1 (en) | 2016-02-01 | 2017-08-10 | Visa International Service Association | Systems and methods for code display and use |
US11501288B2 (en) | 2016-02-09 | 2022-11-15 | Visa International Service Association | Resource provider account token provisioning and processing |
US10313321B2 (en) | 2016-04-07 | 2019-06-04 | Visa International Service Association | Tokenization of co-network accounts |
WO2017184121A1 (en) | 2016-04-19 | 2017-10-26 | Visa International Service Association | Systems and methods for performing push transactions |
US11250424B2 (en) | 2016-05-19 | 2022-02-15 | Visa International Service Association | Systems and methods for creating subtokens using primary tokens |
AU2016409079B2 (en) | 2016-06-03 | 2021-07-22 | Visa International Service Association | Subtoken management system for connected devices |
US11068899B2 (en) | 2016-06-17 | 2021-07-20 | Visa International Service Association | Token aggregation for multi-party transactions |
US10361856B2 (en) | 2016-06-24 | 2019-07-23 | Visa International Service Association | Unique token authentication cryptogram |
CN116471105A (en) | 2016-07-11 | 2023-07-21 | 维萨国际服务协会 | Encryption key exchange procedure using access means |
CN116739570A (en) | 2016-07-19 | 2023-09-12 | 维萨国际服务协会 | Method for distributing tokens and managing token relationships |
USD837227S1 (en) | 2016-09-12 | 2019-01-01 | Square, Inc. | Display screen with graphical user interface for a mobile device |
US20180075444A1 (en) | 2016-09-12 | 2018-03-15 | Square, Inc. | Processing a mobile payload |
US10509779B2 (en) | 2016-09-14 | 2019-12-17 | Visa International Service Association | Self-cleaning token vault |
CN117009946A (en) | 2016-11-28 | 2023-11-07 | 维萨国际服务协会 | Access identifier supplied to application program |
US10915899B2 (en) | 2017-03-17 | 2021-02-09 | Visa International Service Association | Replacing token on a multi-token user device |
US10902418B2 (en) | 2017-05-02 | 2021-01-26 | Visa International Service Association | System and method using interaction token |
US11494765B2 (en) | 2017-05-11 | 2022-11-08 | Visa International Service Association | Secure remote transaction system using mobile devices |
US10491389B2 (en) | 2017-07-14 | 2019-11-26 | Visa International Service Association | Token provisioning utilizing a secure authentication system |
US11356257B2 (en) | 2018-03-07 | 2022-06-07 | Visa International Service Association | Secure remote token release with online authentication |
US11256789B2 (en) | 2018-06-18 | 2022-02-22 | Visa International Service Association | Recurring token transactions |
SG11202101587SA (en) | 2018-08-22 | 2021-03-30 | Visa Int Service Ass | Method and system for token provisioning and processing |
EP3881258A4 (en) | 2018-11-14 | 2022-01-12 | Visa International Service Association | Cloud token provisioning of multiple tokens |
CN113518990A (en) | 2019-05-17 | 2021-10-19 | 维萨国际服务协会 | Virtual access credential interaction system and method |
Citations (51)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US4727243A (en) * | 1984-10-24 | 1988-02-23 | Telenet Communications Corporation | Financial transaction system |
US4734564A (en) * | 1985-05-02 | 1988-03-29 | Visa International Service Association | Transaction system with off-line risk assessment |
US4799156A (en) * | 1986-10-01 | 1989-01-17 | Strategic Processing Corporation | Interactive market management system |
US4823264A (en) * | 1986-05-27 | 1989-04-18 | Deming Gilbert R | Electronic funds transfer system |
USRE32985E (en) * | 1982-07-09 | 1989-07-11 | Omron Tateisi Electronics Co. | Credit transaction processing system |
US5237159A (en) * | 1991-07-17 | 1993-08-17 | J. D. Carreker And Associates | Electronic check presentment system |
US5393963A (en) * | 1992-03-17 | 1995-02-28 | Company Chex, Inc. | Check authorization system and process |
US5472190A (en) * | 1994-12-19 | 1995-12-05 | Norling; Phillip | Racket handle grip |
US5475403A (en) * | 1992-11-25 | 1995-12-12 | Personal Electronic Products, Inc. | Electronic checking with printing |
US5491325A (en) * | 1992-08-25 | 1996-02-13 | Huang; Dorge O. | Method and system for payment and payment verification |
US5504677A (en) * | 1992-10-15 | 1996-04-02 | Pollin; Robert E. | Automated payment system |
US5583759A (en) * | 1993-11-22 | 1996-12-10 | Huntington Bancshares, Inc. | Mechanism for expediting the deposit, transport and submission of checks into the payment system |
US5592377A (en) * | 1993-12-18 | 1997-01-07 | Lipkin; Edward B. | Check cashing system |
US5621797A (en) * | 1994-04-28 | 1997-04-15 | Citibank, N.A. | Electronic ticket presentation and transfer method |
US5659469A (en) * | 1989-05-01 | 1997-08-19 | Credit Verification Corporation | Check transaction processing, database building and marketing method and system utilizing automatic check reading |
US5677955A (en) * | 1995-04-07 | 1997-10-14 | Financial Services Technology Consortium | Electronic funds transfer instruments |
US5691524A (en) * | 1991-07-17 | 1997-11-25 | J.D. Carreker And Associates, Inc. | Electronic check presentment system having a non-ECP exceptions notification system incorporated therein |
US5692132A (en) * | 1995-06-07 | 1997-11-25 | Mastercard International, Inc. | System and method for conducting cashless transactions on a computer network |
US5699528A (en) * | 1995-10-31 | 1997-12-16 | Mastercard International, Inc. | System and method for bill delivery and payment over a communications network |
US5708422A (en) * | 1995-05-31 | 1998-01-13 | At&T | Transaction authorization and alert system |
US5710887A (en) * | 1995-08-29 | 1998-01-20 | Broadvision | Computer system and method for electronic commerce |
US5724424A (en) * | 1993-12-16 | 1998-03-03 | Open Market, Inc. | Digital active advertising |
US5729594A (en) * | 1996-06-07 | 1998-03-17 | Klingman; Edwin E. | On-line secured financial transaction system through electronic media |
US5732400A (en) * | 1995-01-04 | 1998-03-24 | Citibank N.A. | System and method for a risk-based purchase of goods |
US5757917A (en) * | 1995-11-01 | 1998-05-26 | First Virtual Holdings Incorporated | Computerized payment system for purchasing goods and services on the internet |
US5774882A (en) * | 1992-03-12 | 1998-06-30 | Keen; Regina D. | Credit approval system |
US5774879A (en) * | 1993-12-27 | 1998-06-30 | First Data Corporation | Automated financial instrument processing system |
US5781654A (en) * | 1996-01-18 | 1998-07-14 | Merrill Lynch & Co., Inc. | Check authentication system utilizing payee information |
US5794219A (en) * | 1996-02-20 | 1998-08-11 | Health Hero Network, Inc. | Method of conducting an on-line auction with bid pooling |
US5799157A (en) * | 1994-12-13 | 1998-08-25 | Elcom Systems, Inc. | System and method for creating interactive electronic systems to present information and execute transactions |
US5802497A (en) * | 1995-07-10 | 1998-09-01 | Digital Equipment Corporation | Method and apparatus for conducting computerized commerce |
US5815665A (en) * | 1996-04-03 | 1998-09-29 | Microsoft Corporation | System and method for providing trusted brokering services over a distributed network |
US5822737A (en) * | 1996-02-05 | 1998-10-13 | Ogram; Mark E. | Financial transaction system |
US5826245A (en) * | 1995-03-20 | 1998-10-20 | Sandberg-Diment; Erik | Providing verification information for a transaction |
US5826241A (en) * | 1994-09-16 | 1998-10-20 | First Virtual Holdings Incorporated | Computerized system for making payments and authenticating transactions over the internet |
US5832463A (en) * | 1996-03-28 | 1998-11-03 | Electronic Data Systems Corporation | Automated system and method for checkless check transaction |
US5832464A (en) * | 1995-05-08 | 1998-11-03 | Image Data, Llc | System and method for efficiently processing payments via check and electronic funds transfer |
US5835899A (en) * | 1996-03-01 | 1998-11-10 | Electronic Data Systems Corporation | System and method for deriving financial responsibility identification |
US5835603A (en) * | 1996-05-21 | 1998-11-10 | Ncr Corporation | Financial transaction system |
US5848400A (en) * | 1996-07-01 | 1998-12-08 | Sun Microsystems, Inc. | Electronic check exchange, clearing and settlement system |
US5869821A (en) * | 1993-10-13 | 1999-02-09 | Samsung Electronics Co., Ltd. | Credit inquiry service system and method |
US5872844A (en) * | 1996-11-18 | 1999-02-16 | Microsoft Corporation | System and method for detecting fraudulent expenditure of transferable electronic assets |
US5924082A (en) * | 1994-08-17 | 1999-07-13 | Geneva Branch Of Reuters Transaction Services Limited | Negotiated matching system |
US6029146A (en) * | 1996-08-21 | 2000-02-22 | Crossmar, Inc. | Method and apparatus for trading securities electronically |
US6039250A (en) * | 1995-07-06 | 2000-03-21 | Hitachi, Ltd. | Electronic money sending system |
US6073117A (en) * | 1997-03-18 | 2000-06-06 | Kabushiki Kaisha Toshiba | Mutual credit server apparatus and a distributed mutual credit system |
US6141653A (en) * | 1998-11-16 | 2000-10-31 | Tradeaccess Inc | System for interative, multivariate negotiations over a network |
US6236972B1 (en) * | 1998-12-02 | 2001-05-22 | Gary Shkedy | Method and apparatus for facilitating transactions on a commercial network system |
US6240396B1 (en) * | 1996-09-04 | 2001-05-29 | Priceline.Com Incorporated | Conditional purchase offer management system for event tickets |
US7010512B1 (en) * | 1998-11-09 | 2006-03-07 | C/Base, Inc. | Transfer instrument |
US7433845B1 (en) * | 1999-04-13 | 2008-10-07 | Orbis Patents Limited | Data structure, method and system for generating person-to-person, person-to-business, business-to-person, and business-to-business financial transactions |
-
1999
- 1999-05-14 US US09/312,309 patent/US7194437B1/en not_active Expired - Lifetime
-
2005
- 2005-02-03 US US11/049,825 patent/US20050131816A1/en not_active Abandoned
Patent Citations (53)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
USRE32985E (en) * | 1982-07-09 | 1989-07-11 | Omron Tateisi Electronics Co. | Credit transaction processing system |
US4727243A (en) * | 1984-10-24 | 1988-02-23 | Telenet Communications Corporation | Financial transaction system |
US4734564A (en) * | 1985-05-02 | 1988-03-29 | Visa International Service Association | Transaction system with off-line risk assessment |
US4823264A (en) * | 1986-05-27 | 1989-04-18 | Deming Gilbert R | Electronic funds transfer system |
US4799156A (en) * | 1986-10-01 | 1989-01-17 | Strategic Processing Corporation | Interactive market management system |
US5659469A (en) * | 1989-05-01 | 1997-08-19 | Credit Verification Corporation | Check transaction processing, database building and marketing method and system utilizing automatic check reading |
US5532464A (en) * | 1991-07-17 | 1996-07-02 | J. D. Carreker & Associates, Inc. | Electronic check presentment system having a return item notification system incorporated therein |
US5237159A (en) * | 1991-07-17 | 1993-08-17 | J. D. Carreker And Associates | Electronic check presentment system |
US5691524A (en) * | 1991-07-17 | 1997-11-25 | J.D. Carreker And Associates, Inc. | Electronic check presentment system having a non-ECP exceptions notification system incorporated therein |
US5774882A (en) * | 1992-03-12 | 1998-06-30 | Keen; Regina D. | Credit approval system |
US5393963A (en) * | 1992-03-17 | 1995-02-28 | Company Chex, Inc. | Check authorization system and process |
US5491325A (en) * | 1992-08-25 | 1996-02-13 | Huang; Dorge O. | Method and system for payment and payment verification |
US5504677A (en) * | 1992-10-15 | 1996-04-02 | Pollin; Robert E. | Automated payment system |
US5727249A (en) * | 1992-10-15 | 1998-03-10 | Pollin; Robert E. | Automated payment system and method |
US5475403A (en) * | 1992-11-25 | 1995-12-12 | Personal Electronic Products, Inc. | Electronic checking with printing |
US5869821A (en) * | 1993-10-13 | 1999-02-09 | Samsung Electronics Co., Ltd. | Credit inquiry service system and method |
US5583759A (en) * | 1993-11-22 | 1996-12-10 | Huntington Bancshares, Inc. | Mechanism for expediting the deposit, transport and submission of checks into the payment system |
US5724424A (en) * | 1993-12-16 | 1998-03-03 | Open Market, Inc. | Digital active advertising |
US5592377A (en) * | 1993-12-18 | 1997-01-07 | Lipkin; Edward B. | Check cashing system |
US5774879A (en) * | 1993-12-27 | 1998-06-30 | First Data Corporation | Automated financial instrument processing system |
US5621797A (en) * | 1994-04-28 | 1997-04-15 | Citibank, N.A. | Electronic ticket presentation and transfer method |
US5924082A (en) * | 1994-08-17 | 1999-07-13 | Geneva Branch Of Reuters Transaction Services Limited | Negotiated matching system |
US5826241A (en) * | 1994-09-16 | 1998-10-20 | First Virtual Holdings Incorporated | Computerized system for making payments and authenticating transactions over the internet |
US5799157A (en) * | 1994-12-13 | 1998-08-25 | Elcom Systems, Inc. | System and method for creating interactive electronic systems to present information and execute transactions |
US5472190A (en) * | 1994-12-19 | 1995-12-05 | Norling; Phillip | Racket handle grip |
US5732400A (en) * | 1995-01-04 | 1998-03-24 | Citibank N.A. | System and method for a risk-based purchase of goods |
US5826245A (en) * | 1995-03-20 | 1998-10-20 | Sandberg-Diment; Erik | Providing verification information for a transaction |
US5677955A (en) * | 1995-04-07 | 1997-10-14 | Financial Services Technology Consortium | Electronic funds transfer instruments |
US5832464A (en) * | 1995-05-08 | 1998-11-03 | Image Data, Llc | System and method for efficiently processing payments via check and electronic funds transfer |
US5708422A (en) * | 1995-05-31 | 1998-01-13 | At&T | Transaction authorization and alert system |
US5692132A (en) * | 1995-06-07 | 1997-11-25 | Mastercard International, Inc. | System and method for conducting cashless transactions on a computer network |
US6039250A (en) * | 1995-07-06 | 2000-03-21 | Hitachi, Ltd. | Electronic money sending system |
US5802497A (en) * | 1995-07-10 | 1998-09-01 | Digital Equipment Corporation | Method and apparatus for conducting computerized commerce |
US5710887A (en) * | 1995-08-29 | 1998-01-20 | Broadvision | Computer system and method for electronic commerce |
US5699528A (en) * | 1995-10-31 | 1997-12-16 | Mastercard International, Inc. | System and method for bill delivery and payment over a communications network |
US5757917A (en) * | 1995-11-01 | 1998-05-26 | First Virtual Holdings Incorporated | Computerized payment system for purchasing goods and services on the internet |
US5781654A (en) * | 1996-01-18 | 1998-07-14 | Merrill Lynch & Co., Inc. | Check authentication system utilizing payee information |
US5822737A (en) * | 1996-02-05 | 1998-10-13 | Ogram; Mark E. | Financial transaction system |
US5794219A (en) * | 1996-02-20 | 1998-08-11 | Health Hero Network, Inc. | Method of conducting an on-line auction with bid pooling |
US5835899A (en) * | 1996-03-01 | 1998-11-10 | Electronic Data Systems Corporation | System and method for deriving financial responsibility identification |
US5832463A (en) * | 1996-03-28 | 1998-11-03 | Electronic Data Systems Corporation | Automated system and method for checkless check transaction |
US5815665A (en) * | 1996-04-03 | 1998-09-29 | Microsoft Corporation | System and method for providing trusted brokering services over a distributed network |
US5835603A (en) * | 1996-05-21 | 1998-11-10 | Ncr Corporation | Financial transaction system |
US5729594A (en) * | 1996-06-07 | 1998-03-17 | Klingman; Edwin E. | On-line secured financial transaction system through electronic media |
US5848400A (en) * | 1996-07-01 | 1998-12-08 | Sun Microsystems, Inc. | Electronic check exchange, clearing and settlement system |
US6029146A (en) * | 1996-08-21 | 2000-02-22 | Crossmar, Inc. | Method and apparatus for trading securities electronically |
US6240396B1 (en) * | 1996-09-04 | 2001-05-29 | Priceline.Com Incorporated | Conditional purchase offer management system for event tickets |
US5872844A (en) * | 1996-11-18 | 1999-02-16 | Microsoft Corporation | System and method for detecting fraudulent expenditure of transferable electronic assets |
US6073117A (en) * | 1997-03-18 | 2000-06-06 | Kabushiki Kaisha Toshiba | Mutual credit server apparatus and a distributed mutual credit system |
US7010512B1 (en) * | 1998-11-09 | 2006-03-07 | C/Base, Inc. | Transfer instrument |
US6141653A (en) * | 1998-11-16 | 2000-10-31 | Tradeaccess Inc | System for interative, multivariate negotiations over a network |
US6236972B1 (en) * | 1998-12-02 | 2001-05-22 | Gary Shkedy | Method and apparatus for facilitating transactions on a commercial network system |
US7433845B1 (en) * | 1999-04-13 | 2008-10-07 | Orbis Patents Limited | Data structure, method and system for generating person-to-person, person-to-business, business-to-person, and business-to-business financial transactions |
Cited By (98)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20060163341A1 (en) * | 1999-10-26 | 2006-07-27 | First Data Corp. | Internet funds transfer system using ATM pickup |
US8494956B2 (en) * | 1999-10-26 | 2013-07-23 | The Western Union Company | Internet funds transfer system using ATM pickup |
US20130339235A1 (en) * | 1999-10-26 | 2013-12-19 | The Western Union Company | Internet funds transfer system using atm pickup |
US10558960B2 (en) | 1999-10-26 | 2020-02-11 | The Western Union Company | Cash payment for remote transactions |
US7003789B1 (en) * | 1999-12-21 | 2006-02-21 | International Business Machines Corporation | Television commerce payments |
US7395241B1 (en) * | 2000-01-19 | 2008-07-01 | Intuit Inc. | Consumer-directed financial transfers using automated clearinghouse networks |
US7720760B1 (en) | 2000-01-19 | 2010-05-18 | Intuit Inc. | Consumer-directed financial transfers using automated clearinghouse networks |
US20100005002A1 (en) * | 2000-09-12 | 2010-01-07 | Research In Motion Limited | Bookmark Beacon System And Method |
US8606881B2 (en) * | 2000-09-12 | 2013-12-10 | Blackberry Limited | Bookmark beacon system and method |
US20020083192A1 (en) * | 2000-12-18 | 2002-06-27 | Cora Alisuag | Computer oriented record administration system |
US7328276B2 (en) * | 2000-12-18 | 2008-02-05 | Coranet Solutions, Llc | Computer oriented record administration system |
US20030167232A1 (en) * | 2002-03-01 | 2003-09-04 | Linton Lascelles A. | Method of reducing online fraud |
US20040098354A1 (en) * | 2002-11-15 | 2004-05-20 | Pitney Bowes Incorporated | Method and system for conveying funds and secure information between secure devices |
US20080052235A1 (en) * | 2004-04-28 | 2008-02-28 | First Data Corporation | Methods And Systems For Providing Guaranteed Merchant Transactions |
US7967195B2 (en) * | 2004-04-28 | 2011-06-28 | First Data Corporation | Methods and systems for providing guaranteed merchant transactions |
US20050279827A1 (en) * | 2004-04-28 | 2005-12-22 | First Data Corporation | Methods and systems for providing guaranteed merchant transactions |
US8016185B2 (en) * | 2004-07-06 | 2011-09-13 | Visa International Service Association | Money transfer service with authentication |
US20060006224A1 (en) * | 2004-07-06 | 2006-01-12 | Visa International Service Association, A Delaware Corporation | Money transfer service with authentication |
US20120066131A1 (en) * | 2004-07-06 | 2012-03-15 | Visa International Service Association | Money transfer service with authentication |
US8851366B2 (en) | 2004-07-06 | 2014-10-07 | Visa International Service Association | Money transfer service with authentication |
US20060282270A1 (en) * | 2005-06-09 | 2006-12-14 | First Data Corporation | Identity verification noise filter systems and methods |
US20120101945A1 (en) * | 2005-07-14 | 2012-04-26 | Early Warning Services, Llc | Identity verification switch |
US8109435B2 (en) | 2005-07-14 | 2012-02-07 | Early Warning Services, Llc | Identity verification switch |
US20070012757A1 (en) * | 2005-07-14 | 2007-01-18 | First Data Corporation | Identity verification switch |
US8335745B2 (en) | 2006-10-11 | 2012-12-18 | Visa International Service Association | Method and system for processing micropayment transactions |
US10984403B2 (en) | 2006-10-11 | 2021-04-20 | Visa International Service Association | Systems and methods for brokered authentification express seller links |
US10068220B2 (en) | 2006-10-11 | 2018-09-04 | Visa International Service Association | Systems and methods for brokered authentication express seller links |
US20100223184A1 (en) * | 2006-10-11 | 2010-09-02 | Visa International Service Association | Sponsored Accounts For Computer-Implemented Payment System |
WO2008092010A2 (en) * | 2007-01-28 | 2008-07-31 | Bora Payment Systems, Llc | Payer direct hub |
US20080183621A1 (en) * | 2007-01-28 | 2008-07-31 | Evans Steven D | Payer direct hub |
US7676434B2 (en) | 2007-01-28 | 2010-03-09 | Bora Payment Systems, Llc | Payer direct hub |
WO2008092010A3 (en) * | 2007-01-28 | 2008-09-12 | Bora Payment Systems Llc | Payer direct hub |
US20100153272A1 (en) * | 2007-04-17 | 2010-06-17 | David Wentker | Mobile device initiated transaction |
US8918637B2 (en) | 2007-04-17 | 2014-12-23 | Visa U.S.A. Inc. | Remote authentication system |
US20090325542A1 (en) * | 2007-04-17 | 2009-12-31 | David Wentker | Method and system for authenticating a party to a transaction |
US9160741B2 (en) | 2007-04-17 | 2015-10-13 | Visa U.S.A. Inc. | Remote authentication system |
US8631231B2 (en) | 2007-04-17 | 2014-01-14 | Visa U.S.A. Inc. | Mobile device initiated transaction |
US8073775B1 (en) * | 2007-04-27 | 2011-12-06 | Intuit Inc. | Method and system for using an electronic check system |
US7958050B2 (en) * | 2007-07-02 | 2011-06-07 | Early Warning Services, Llc | Payment account monitoring system and method |
US20090012889A1 (en) * | 2007-07-02 | 2009-01-08 | Early Warning Services, Llc | Payment account monitoring system and method |
US20090198617A1 (en) * | 2007-07-27 | 2009-08-06 | Ntt Docomo, Inc. | Method and apparatus for performing delegated transactions |
US20130325720A1 (en) * | 2007-10-18 | 2013-12-05 | Moneygram International, Inc. | Global compliance processing system for a money transfer system |
US20090112760A1 (en) * | 2007-10-31 | 2009-04-30 | Bank Of America Corporation | Payment Handling |
US8401965B2 (en) * | 2007-10-31 | 2013-03-19 | Bank Of America Corporation | Payment handling |
US8401960B2 (en) | 2008-03-05 | 2013-03-19 | Walter H. Pinson, Iii | Online credit escrow service |
US20090228392A1 (en) * | 2008-03-05 | 2009-09-10 | Pinson Iii Walter H | Online credit escrow service |
US10304127B2 (en) | 2008-05-09 | 2019-05-28 | Visa International Service Association | Communication device including multi-part alias identifier |
US9715709B2 (en) | 2008-05-09 | 2017-07-25 | Visa International Services Association | Communication device including multi-part alias identifier |
US10296889B2 (en) | 2008-09-30 | 2019-05-21 | Apple Inc. | Group peer-to-peer financial transactions |
US7827108B2 (en) * | 2008-11-21 | 2010-11-02 | Visa U.S.A. Inc. | System and method of validating a relationship between a user and a user account at a financial institution |
US20100131408A1 (en) * | 2008-11-21 | 2010-05-27 | Jeffrey William Perlman | System and Method of Validating a Relationship Between a User and a User Account at a Financial Institution |
US9773246B2 (en) * | 2009-05-04 | 2017-09-26 | Visa International Service Association | Pre-authorization of a transaction using predictive modeling |
US20140006284A1 (en) * | 2009-05-04 | 2014-01-02 | Patrick Faith | Pre-authorization of a transaction using predictive modeling |
US9489674B2 (en) | 2009-05-04 | 2016-11-08 | Visa International Service Association | Frequency-based transaction prediction and processing |
US20110035319A1 (en) * | 2009-08-10 | 2011-02-10 | Olivier Brand | Systems and methods for enrolling users in a payment service |
US8504475B2 (en) * | 2009-08-10 | 2013-08-06 | Visa International Service Association | Systems and methods for enrolling users in a payment service |
AU2010289473B2 (en) * | 2009-09-02 | 2014-12-18 | Visa International Service Association | Portable consumer device with funds transfer processing |
US20110055077A1 (en) * | 2009-09-02 | 2011-03-03 | Susan French | Portable consumer device with funds transfer processing |
US8676674B2 (en) | 2009-10-29 | 2014-03-18 | Visa International Service Association | Peer-to-peer and group financial management systems and methods |
US8280788B2 (en) | 2009-10-29 | 2012-10-02 | Visa International Service Association | Peer-to-peer and group financial management systems and methods |
US8676639B2 (en) | 2009-10-29 | 2014-03-18 | Visa International Service Association | System and method for promotion processing and authorization |
US20150254660A1 (en) * | 2010-05-12 | 2015-09-10 | Bank Of America Corporation | Anonymous Electronic Payment System |
US11687891B2 (en) | 2012-01-05 | 2023-06-27 | Moneygram International, Inc. | Prefunding for money transfer send transactions |
US10402795B2 (en) | 2012-01-05 | 2019-09-03 | Moneygram International, Inc. | Prefunding for money transfer send transactions |
US10232268B2 (en) | 2012-11-26 | 2019-03-19 | Moneygram International, Inc. | Promotion generation engine for a money transfer system |
US9751006B2 (en) | 2012-11-26 | 2017-09-05 | Moneygram International, Inc. | Promotion generation engine for a money transfer system |
US9943761B2 (en) | 2012-11-26 | 2018-04-17 | Moneygram International, Inc. | Promotion generation engine for a money transfer system |
US10755245B2 (en) | 2013-02-25 | 2020-08-25 | Moneygram International, Inc. | Money transfer system having location based language and dynamic receipt capabilities |
US11803886B2 (en) | 2013-07-03 | 2023-10-31 | Bill.Com, Llc | System and method for enhanced access and control for connecting entities and effecting payments in a commercially oriented entity network |
US11367114B2 (en) * | 2013-07-03 | 2022-06-21 | Bill.Com, Llc | System and method for enhanced access and control for connecting entities and effecting payments in a commercially oriented entity network |
US10909512B2 (en) | 2013-08-01 | 2021-02-02 | Moneygram International, Inc. | System and method for staging money transfers between users having profiles |
US10192204B2 (en) | 2013-08-01 | 2019-01-29 | Moneygram International, Inc. | System and method for staging money transfers between users having profiles |
WO2015191452A1 (en) * | 2014-06-13 | 2015-12-17 | Mastercard International Incorporated | Payment network with service provider directory function |
US20160071069A1 (en) * | 2014-09-05 | 2016-03-10 | Thomas Skala | Payment system and method |
US10692156B2 (en) * | 2014-09-05 | 2020-06-23 | Thomas Skala | Payment system and method |
US11481769B2 (en) | 2016-06-11 | 2022-10-25 | Apple Inc. | User interface for transactions |
US11074572B2 (en) | 2016-09-06 | 2021-07-27 | Apple Inc. | User interfaces for stored-value accounts |
WO2018110723A1 (en) * | 2016-12-13 | 2018-06-21 | 라인 가부시키가이샤 | Payment method and system |
US11049088B2 (en) | 2017-05-16 | 2021-06-29 | Apple Inc. | User interfaces for peer-to-peer transfers |
US10796294B2 (en) | 2017-05-16 | 2020-10-06 | Apple Inc. | User interfaces for peer-to-peer transfers |
US11222325B2 (en) | 2017-05-16 | 2022-01-11 | Apple Inc. | User interfaces for peer-to-peer transfers |
US11221744B2 (en) | 2017-05-16 | 2022-01-11 | Apple Inc. | User interfaces for peer-to-peer transfers |
EP4250679A3 (en) * | 2017-05-16 | 2023-12-20 | Apple Inc. | User interfaces for peer-to-peer transfers |
WO2018213508A1 (en) * | 2017-05-16 | 2018-11-22 | Apple Inc. | User interfaces for peer-to-peer transfers |
US11797968B2 (en) | 2017-05-16 | 2023-10-24 | Apple Inc. | User interfaces for peer-to-peer transfers |
WO2019143711A1 (en) * | 2018-01-18 | 2019-07-25 | Visa International Service Association | Mobile device payment system and method |
US11100498B2 (en) | 2018-06-03 | 2021-08-24 | Apple Inc. | User interfaces for transfer accounts |
US11900355B2 (en) | 2018-06-03 | 2024-02-13 | Apple Inc. | User interfaces for transfer accounts |
US11514430B2 (en) | 2018-06-03 | 2022-11-29 | Apple Inc. | User interfaces for transfer accounts |
US10909524B2 (en) | 2018-06-03 | 2021-02-02 | Apple Inc. | User interfaces for transfer accounts |
US11688001B2 (en) | 2019-03-24 | 2023-06-27 | Apple Inc. | User interfaces for managing an account |
US11669896B2 (en) | 2019-03-24 | 2023-06-06 | Apple Inc. | User interfaces for managing an account |
US11610259B2 (en) | 2019-03-24 | 2023-03-21 | Apple Inc. | User interfaces for managing an account |
US10783576B1 (en) | 2019-03-24 | 2020-09-22 | Apple Inc. | User interfaces for managing an account |
US11328352B2 (en) | 2019-03-24 | 2022-05-10 | Apple Inc. | User interfaces for managing an account |
US11121989B1 (en) | 2020-05-29 | 2021-09-14 | Bank Of America Corporation | Centralized repository and communication system for cross-network interactions |
US11921992B2 (en) | 2021-05-14 | 2024-03-05 | Apple Inc. | User interfaces related to time |
US11784956B2 (en) | 2021-09-20 | 2023-10-10 | Apple Inc. | Requests to add assets to an asset account |
Also Published As
Publication number | Publication date |
---|---|
US7194437B1 (en) | 2007-03-20 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US7194437B1 (en) | Computer-based funds transfer system | |
US7685067B1 (en) | Computer-assisted funds transfer system | |
US7899712B2 (en) | Method and apparatus for facilitating online payment transactions in a network-based transaction facility | |
US7426492B1 (en) | Systems and methods for facilitating commercial transactions between parties residing at remote locations | |
US7921038B2 (en) | Conducting commerce between individuals | |
US7499875B1 (en) | Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments | |
US8315929B2 (en) | Online incremental payment method | |
US7765148B2 (en) | Method and system for facilitating payment of an online auction transaction | |
US8412627B2 (en) | Online funds transfer method | |
US7996307B2 (en) | Systems and methods for facilitating transactions between different financial accounts | |
US8234212B2 (en) | Systems and methods for facilitating transactions with interest | |
US7904385B2 (en) | Systems and methods for facilitating budgeting transactions | |
US8271385B2 (en) | Method, device, and system for completing on-line financial transactions | |
US7925585B2 (en) | Systems and methods for facilitating transactions with different account issuers | |
CA2331476A1 (en) | Accepting and processing electronic checks authorized via a public network | |
US20170243178A1 (en) | Authentication data-enabled transfers |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
STCB | Information on status: application discontinuation |
Free format text: ABANDONED -- FAILURE TO RESPOND TO AN OFFICE ACTION |
|
AS | Assignment |
Owner name: AMAZON.COM, INC., WASHINGTON Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:BRITTO, MARK J.;CARDWELL, AIMEE K.;YOUNG, FUMING;AND OTHERS;SIGNING DATES FROM 20100426 TO 20120510;REEL/FRAME:028220/0389 |
|
AS | Assignment |
Owner name: AMAZON TECHNOLOGIES, INC., NEVADA Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:AMAZON.COM, INC.;REEL/FRAME:028855/0326 Effective date: 20120827 |