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Electronic purchase method and funds transfer system

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G06Q-040/00
출원번호 US-0516209 (2000-02-29)
등록번호 US-7366695 (2008-04-29)
발명자 / 주소
  • Allen Rouman,Terry
  • Arrington,Jack Michael
  • Desai,Keval
  • Dravenstott,Robert Edwin
  • Larson,Wendy D.
  • Levokove,Scott J.
  • Mascavage, III,John Joseph
  • Philipp,Peter Eric
  • Weichert,Margaret Morgan
출원인 / 주소
  • First Data Corporation
  • The Western Union Company
대리인 / 주소
    Townsend and Townsend and Crew LLP
인용정보 피인용 횟수 : 36  인용 특허 : 32

초록

An electronic transaction method, funds transfer apparatus and method for facilitating a funds transfer. The methods comprise sending information from a purchaser or payor to a funds transfer system separate from a vendor system or payee, validating and confirming personal financial information at t

대표청구항

What is claimed is: 1. A computer-readable medium having computer-executable instructions for performing the computer-implementable method for authorizing the electronic purchase during checkout with the user and the vendor system, the computer-readable medium comprising code for: receiving, at a f

이 특허에 인용된 특허 (32)

  1. Cilia, Michael C.; Dayal, Gurpreet S.; Nguyen, Don; May, Arthur K., Apparatus and method for removing a soldered device from a printed circuit board.
  2. Rosen Sholom S., Apparatus and method for secure transacting.
  3. Barzilai Nizan ; Davidson Ron, Computer-based electronic bid, auction and sale system, and a system to teach new/non-registered customers how bidding, auction purchasing works.
  4. Maritzen Lynn Michael ; Wescott Carl Alexander, Computer-based fee processing for electronic commerce.
  5. Rose Marshall T. ; Stein Lee H. ; Borenstein Nathaniel S. ; Lowery Carlyn M. ; New Darren ; Stefferud Einar, Computerized payment system for purchasing goods and services on the internet.
  6. Stein Lee H. ; Stefferud Einar A. ; Borenstein Nathaniel S. ; Rose Marshall T., Computerized system for facilitating transactions between parties on the internet using e-mail.
  7. Stein Lee H. ; Stefferud Einar A. ; Borenstein Nathaniel S. ; Rose Marshall T., Computerized system for making payments and authenticating transactions over the internet.
  8. Tannenbaum David H. (14860 Oaks North Pl. Addison TX 75001), Currency transfer system and method.
  9. Brody Bill E. (9254 Forest La. ; Apt. 904 Dallas ; Dallas County TX 75243) Tannenbaum David H. (14860 Oaks North Pl. Addison ; Dallas County TX 75001), Currency transfer system and method using fixed limit cards.
  10. Hilt James J. ; Hodges Ron ; Pardue Stephen W. ; Powar William L., Electronic bill pay system.
  11. Kolling Ray ; Powar William L., Electronic bill pay system.
  12. Doggett John (Brookline MA) Jaffe Frank A. (Sharon MA) Anderson Milton M. (Fair Haven NJ), Electronic funds transfer instruments.
  13. Andrew Egendorf, Internet billing method.
  14. Walker Jay S. ; Tedesco Daniel E. ; Jorasch James A. ; Lech Robert R., Method and apparatus for issuing and managing gift certificates.
  15. Earney E. Stoutenburg ; Dean A. Seifert, Method and system for performing money transfer transactions.
  16. Stoutenburg, Earney E.; Seifert, Dean A., Method and system for performing money transfer transactions.
  17. O'Leary, Denis; D'Agostino, Vincent; Re, S. Richard; Burney, Jessica; Hoffman, Adam, Method and system for processing internet payments using the electronic funds transfer network.
  18. Nielsen Jakob, Method and system for regulating discounts on merchandise distributed through networked computer systems.
  19. Sixtus Timothy, Method and system for secure online transaction processing.
  20. Bellare Mihir ; Garay Juan Alberto ; Jutla Charanjit Singh ; Yung Marcel Mordechay, Method for electronic payment system with issuer control.
  21. Bernstein Robert, Method of controlling payment of debts.
  22. Baldev Krishan ; Leo Chien Chang ; Ronald G. Lambert, Methods and apparatus for delivering targeted information and advertising over the internet.
  23. Kravitz David William, Payment and transactions in electronic commerce system.
  24. Colvin ; Sr. Bryan, Public network merchandising system.
  25. Nethery Kee, Purchaser generated transaction recording and negotiable instrument payment system.
  26. Wilf Saar,ILX ; Ruvio Guy,ILX, Retail method over a wide area network.
  27. Tetro Donald ; Lipton Edward ; Sackheim Andrew, System and method for enhanced fraud detection in automated electronic purchases.
  28. Slater Alan, System and method for performing an electronic financial transaction.
  29. Watson Craig, System and method for pre-authorization of individual account transactions.
  30. Rowney Kevin T. B., System, method and article of manufacture for conditionally accepting a payment method utilizing an extensible, flexible.
  31. Rowney Kevin Thomas Bartholomew ; Nadig Deepak S., System, method and article of manufacture for secure network electronic payment and credit collection.
  32. Morrill ; Jr. Paul H., Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities.

이 특허를 인용한 특허 (36)

  1. Sullivan, Jr., Robert R.; Aucsmith, David W., Anonymous electronic transactions.
  2. Sullivan, Jr., Robert R.; Aucsmith, David W., Anonymous electronic transactions.
  3. Sullivan, Jr., Robert R.; Aucsmith, David W., Anonymous electronic transactions.
  4. Wang, Zhenyu; Zhu, Ning, Certified promissory payment method for transaction with reward points.
  5. Williams, Gary; Hazlehurst, Peter; Iyer, Jayasree; Abad, Julieta, Check printing instructions in ACH transactions.
  6. Allen-Rouman, Terry; Arrington, Jack Michael; Desai, Keval; Dravenstott, Robert Edwin; Larson, Wendy D.; Levokove, Scott J.; Mascavage, III, John Joseph; Philipp, Peter Eric; Weichert, Margaret Morgan, Electronic purchasing and funds transfer systems and methods.
  7. Barker, Jr., Arthur E, Fuel transaction tracking system.
  8. Bent, II, Bruce R.; Buarque de Macedo, Charles R., Invariant biohash security system and method.
  9. Bent, II, Bruce R.; Buarque de Macedo, Charles R., Invariant biohash security system and method.
  10. Bent, II, Bruce R.; Buarque de Macedo, Charles R., Invariant biohash security system and method.
  11. Bent, II, Bruce R.; Buarque de Macedo, Charles R., Invariant biohash security system and method.
  12. Hogl, Christian, Method and system for a payment transaction associated with a declaration of intent.
  13. Bent, Bruce; Bent, II, Bruce; Bent, Rebecca Gareis; Gareis, David Edgar, Method and system for allocating deposits over a plurality of depository institutions.
  14. Bent, Bruce; Bent, II, Bruce; Bent, Rebecca Gareis; Gareis, David Edgar, Method and system for allocating deposits over a plurality of depository institutions.
  15. Bent, Bruce; Bent, II, Bruce; Bent, Rebecca Gareis; Gareis, David Edgar, Method and system for allocating deposits over a plurality of depository institutions.
  16. Bent, Bruce; Bent, II, Bruce; Bent, Rebecca Gareis; Gareis, David Edgar, Method and system for allocating deposits over a plurality of depository institutions.
  17. Bent, Bruce; Bent, II, Bruce; Bent, Rebecca Gareis; Gareis, David Edgar, Method and system for allocating funds over a plurality of time deposit instruments in depository institutions.
  18. Wang, Tiejun; Wang, Ximing; Wang, Tiehong, Method and system for conducting business in a transnational e-Commerce network.
  19. Hogl, Christian, Method and system for initiating and/or conducting a transaction that is associated with at least two corresponding declarations of intent.
  20. Hogl, Christian, Method and system for initiating and/or conducting a transaction that is associated with at least two corresponding declarations of intent.
  21. Hogl, Christian, Method for a payment transaction associated with two corresponding declarations of intent.
  22. Cooper, Wayne P.; Brown, Patrick C.; Jones, Clyde Dennis, Methods and systems for transferring funds.
  23. Bezos, Jeffrey P.; Leblang, Jonathan; Schooley, Shaun; Young, FuMing; Caplan, Alan; Spiegel, Joel R., Network based payment service capable of generating coding for adding payment objects to pages of external sites.
  24. Bent, II, Bruce R.; Buarque de Macedo, Charles R., Notification system and method.
  25. Bent, II, Bruce R.; Buarque de Macedo, Charles R., Notification system and method.
  26. Bent, II, Bruce R.; Buarque de Macedo, Charles R., Notification system and method.
  27. Allen-Rouman, Terry; Mascavage, III, John Joseph; Weichert, Margaret Morgan, Online funds transfer method.
  28. Mascavage, III, John Joseph; Weichert, Margaret Morgan; Dravenstott, Robert Edwin, Online purchasing method.
  29. Randazza, Joseph R.; Portal, Danilo, Payment system and methods.
  30. Singhal, Tara Chand, System and method for a private and secure financial transaction system using a central system.
  31. Singhal, Tara Chand, System and method for a private and secure payment system between two parties using a central system.
  32. Singhal, Tara Chand, System and method for a private and secure payment system using a merchant sales terminal.
  33. Bouey, Kevin; Muthu, Sri Saravana; Pearce, Brian M.; Vancini, Adam, System and method for securely registering a recipient to a computer-implemented funds transfer payment network.
  34. Bouey, Kevin; Muthu, Sri Saravana; Pearce, Brian M.; Vancini, Adam, System and method for transferring funds.
  35. Bouey, Kevin; Muthu, Sri Saravana; Pearce, Brian M.; Vancini, Adam, System and method for transferring funds.
  36. Dominguez, Ben; Fisher, Douglas; Chan, Julie, User enhanced authentication system for online purchases.
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