초록 ▼

A financial tender transfer system allows a transferor to transfer credit or make payment to a transferee by debiting the credit card of the transferor and crediting the credit card of the transferee. The financial tender transfer system gives the transferee immediate access to the transferred money

A financial tender transfer system allows a transferor to transfer credit or make payment to a transferee by debiting the credit card of the transferor and crediting the credit card of the transferee. The financial tender transfer system gives the transferee immediate access to the transferred money and ensures the transferor's credit card is valid. Neither party needs to give their credit card number to the other, so security is preserved. Any amount of value up to the full credit line of the transferor can be transferred to the transferee.

대표청구항 ▼

[ What is claimed is:] [1.] A system for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the system comprising:a central controller including:means for receiving, from a first account owner, data correspon

[ What is claimed is:] [1.] A system for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the system comprising:a central controller including:means for receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account;means for generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code;means for generating said encrypted code using at least a portion of said data;means for transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer;means for receiving the encrypted code from the transferee;means for decrypting the encrypted code, whereby said portion of said data is revealed to process the request; andmeans for transferring the financial tender value from the first credit card account to a credit card account owned b the transferee using the revealed data.