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Method for processing internet point of sale payment using automated teller machine switch settlement

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G06Q-040/00
출원번호 US-0102118 (2011-05-06)
등록번호 US-8175967 (2012-05-08)
발명자 / 주소
  • O'Leary, Denis
  • D'Agostino, Vincent
  • Re, S. Richard
  • Burney, Jessica
  • Hoffman, Adam
출원인 / 주소
  • JPMorgan Chase Bank, N.A.
대리인 / 주소
    Goodwin Procter LLP
인용정보 피인용 횟수 : 27  인용 특허 : 57

초록

Embodiments of the invention include a method and system for effectuating an electronic payment between a payor and a payee using an Electronic Funds Transfer (EFT) network. The method is implemented by a system having multiple processors. The payor may hold a payor account at a payor institution an

대표청구항

1. A computer-implemented method for effectuating electronic payments for purchases made by a mobile computing device user from a merchant, the method comprising the steps of: providing a mobile wallet stored on a mobile computing device, the mobile wallet serving as a portal to a bank account for u

이 특허에 인용된 특허 (57)

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  10. Armetta David ; Tempest David, Data processing method of configuring and monitoring a satellite spending card linked to a host credit card.
  11. Hilt James J. (Daly City CA) Hodges Ron (San Ramon CA) Pardue Stephen W. (Half Moon Bay CA) Powar William L. (Palo Alto CA), Electronic bill pay system.
  12. Kolling Ray ; Powar William L., Electronic bill pay system.
  13. Remington Darren B. ; Dent Warren T., Electronic bill presentment and payment system.
  14. Gatto James G., Electronic fund transfer or transaction system.
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  26. Levine Jack (Agoura Hills CA) Brandt Priscilla C. (San Mateo CA) Jackson Nydia (Redwood City CA) Johnson David L. (Woodside CA) Clark Helen (Mill Valley CA), Method and apparatus for distributing currency.
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  29. Embrey Mark C., Method and apparatus for making payments and delivering payment information.
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  31. Lamm David, Method and system for electronically presenting and paying bills.
  32. Anderson Milton ; Jaffe Frank ; Hibbert Chris ; Virkki Jyri ; Kravitz Jeffrey ; Chang Sheveling ; Palmer Elaine, Method and system for processing electronic documents.
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  34. De Rooij Peter Jacobus Nicolaas,BEX ; Bosselaers Antoon Wilfried Jan,BEX, Method of securely storing and retrieving monetary data.
  35. Elbaum Hector Daniel,AUX, Mobile funds transaction device for transferring funds between remote banking facilities.
  36. Stimson Charles J. (Garland TX) Beshear Brady S. (Garland TX), Pre-paid card system and method.
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  38. Teicher Mordechai,ILX, Processing system and method for a heterogeneous electronic cash environment.
  39. Sandberg-Diment Erik, Providing verification information for a transaction.
  40. Powar William L., Secure interactive electronic account statement delivery system.
  41. Bezos Jeffrey P., Secure method for communicating credit card data when placing an order on a non-secure network.
  42. Claus David M. (Indianapolis IN), Secure money transfer techniques using smart cards.
  43. Muftic Sead,SEX, Smart token system for secure electronic transactions and identification.
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  45. Hogan Edward J. (Bayside NY), System and method for conducting cashless transactions on a computer network.
  46. Marcous Neil P. (Mountain Lakes NJ) Brant Michael J. (Mountain Lakes NJ) Rosenzweig Michael J. (Morris Plains NJ), System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds.
  47. Boesch Brian ; Farrell Patrick ; Light Elliott ; Eisenberg R. Scott, System and method for merchant invoked electronic commerce.
  48. Konya Arpad, System for ATM/ATM transfers.
  49. Wagner Richard Hiers, System for extending present open network communication protocols to communicate with non-standard I/O devices directly.
  50. Antti Hannula FI; Hannu Kari FI, System, a method and an apparatus for performing an electric payment transaction in a telecommunication network.
  51. Williams Humphrey ; Hughes Kevin ; Parmar Bipinkumar G., System, method and article of manufacture for network electronic authorization utilizing an authorization instrument.
  52. Lawlor Matthew P. ; Carmody Timothy E., Targeting advertising in a home retail banking delivery service.
  53. Muehlberger Karl (Lakeland FL) Sinek Richard (Lakeland FL) Hughes Michael (St. Petersburg Beach FL), Telephone debit card dispenser and method.
  54. Stimson Charles J. (Garland TX) Beshear Brady S. (Garland TX), Telephone pre-paid calling card system and method.
  55. Rosen Sholom S., Trusted agents for open distribution of electronic money.
  56. Morrill ; Jr. Paul H., Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities.
  57. Kawan Joseph C., Wireless transaction and information system.

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  2. Harris, Theodore David; Faith, Patrick, Cloud service facilitator apparatuses, methods and systems.
  3. Rose, Mark; Shafie, Afshin; Bayer, Lex N., Dynamic payment optimization apparatuses, methods and systems.
  4. Rose, Mark; Shafie, Afshin; Bayer, Lex N., Dynamic payment optimization apparatuses, methods and systems.
  5. Gupta, Manav, Dynamic widget generator apparatuses, methods and systems.
  6. Shastry, Vishwanath; Blum, Marc; Hammad, Ayman; Katzin, Edward; Purves, Thomas; Hua, Julian, E-wallet store injection search apparatuses, methods and systems.
  7. Heitmueller, Kathy; Frantz, Douglas R.; Truelson, Chris J.; Taylor, Mary T.; Granville, Walter J., Electronic coupon issuance and redemption apparatuses, methods and systems.
  8. Britt, Juliene P., Electronic receipt manager apparatuses, methods and systems.
  9. Kalgi, Avinash, Electronic wallet checkout platform apparatuses, methods and systems.
  10. Kalgi, Avinash, Hybrid applications utilizing distributed models and views apparatuses, methods and systems.
  11. Katzin, Edward; Kumnick, Phillip L.; Harris, Theodore David; Faith, Patrick; Schulz, Jennifer A., Merchant-consumer bridging platform apparatuses, methods and systems.
  12. 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.
  13. Purves, Thomas; Mahadkar, Shilpak; Theurer, Tenni; Hammad, Ayman, Multi-directional wallet connector apparatuses, methods and systems.
  14. Purves, Thomas; Mahadkar, Shilpak; Theurer, Tenni; Hammad, Ayman, Multi-directional wallet connector apparatuses, methods and systems.
  15. Faith, Patrick; Harris, Theodore David, Multi-source, multi-dimensional, cross-entity, multimedia analytical model sharing database platform apparatuses, methods and systems.
  16. Faith, Patrick; Harris, Theodore David, Multi-source, multi-dimensional, cross-entity, multimedia merchant analytics database platform apparatuses, methods and systems.
  17. Faith, Patrick; Harris, Theodore David, Multi-source, multi-dimensional, cross-entry, multimedia merchant analytics database platform apparatuses, methods and systems.
  18. Purves, Thomas, Remote decoupled application persistent state apparatuses, methods and systems.
  19. Hammad, Ayman, Secure anonymous transaction apparatuses, methods and systems.
  20. Cote, Stephen W., Secure dynamic page content and layouts apparatuses, methods and systems.
  21. Purves, Thomas; Gupta, Manav, Social checkout widget generation and integration apparatuses, methods and systems.
  22. Antoo, Nizam; Brockman, Todd J, System and method for implementing financial assistance programs.
  23. Lehman, Dean K.; McCullough, Joseph R.; Orth, Nancy A., System and method for sending money via E-mail over the internet.
  24. Theurer, Tenni; Purves, Thomas; Mahadkar, Shilpak; Hammad, Ayman, Third-party value added wallet features and interfaces apparatuses, methods and systems.
  25. Katzin, Edward; Hua, Julian; Storey, Gregory Kenneth; Mori, Michael; Shrivastava, Abhinav; Bhargava, Amit; Beck, Andrew; Hammad, Ayman; Pfisterer, Ben; Salmon, Diane; Karpenko, Igor; Schulz, Jennifer; Gavrilov, Miroslav; Ciurea, Peter; Faith, Patrick; Kumnick, Phillip; Chatterjee, Saurav; Badea, Sebastian; Li, Shaw; Jha, Shipra; Pourfallah, Stacy; French, Susan; Theurer, Tenni; Harris, Theodore; Purves, Thomas; Pandey, Vanita; Graham, Victoria; Hariramani, Prakash, Universal electronic payment apparatuses, methods and systems.
  26. Chatterjee, Saurav; Hammad, Ayman; Katzin, Edward N.; Hua, Julian, Virtual wallet card selection apparatuses, methods and systems.
  27. Purves, Thomas; Hua, Julian; Rutherford, Robert, Wearable intelligent vision device apparatuses, methods and systems.
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