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System and method for performing person-to-person funds transfers via wireless communications

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G06Q-040/00
  • G06K-005/00
출원번호 US-0741170 (2007-04-27)
등록번호 US-8688570 (2014-04-01)
발명자 / 주소
  • Jones, Jessica U.
  • Peart, Lee J.
  • Beenau, Blayn W.
  • Saunders, Peter D.
출원인 / 주소
  • American Express Travel Related Services Company, Inc.
대리인 / 주소
    Snell & Wilmer L.L.P.
인용정보 피인용 횟수 : 3  인용 특허 : 48

초록

A funds-transfer system includes a processor and a memory storing control logic for causing the processor to enable a buyer to transfer funds to a seller via a mobile telephone. The control logic includes program code for causing the processor to receive a payment request transmitted from a mobile t

대표청구항

1. A non-transitory computer program product having computer-executable instructions stored thereon that, in response to execution by a computer-based system for enabling a buyer to transfer funds to a seller via mobile telephones, cause the computer-based system to perform operations comprising: re

이 특허에 인용된 특허 (48)

  1. Washizuka,Satoshi; Nakagawa,Katsuya, Accounting and reconciliation system.
  2. Swift,Amy; Tidwell,Lisa; Mollett,Cassandra, Alternative payment devices using electronic check processing as a payment mechanism.
  3. Harrison,Keith Alexander, Apparatus for credential authorisation.
  4. Hannula, Esko, Apparatus, and associated method, for loading a mobile terminal with an application program installed at a peer device.
  5. Campisano Kurt M., Cardless payment system.
  6. LeBourgeois John H., Digitally certifying a user identity and a computer system in combination.
  7. Weichert,Margaret M.; Mascavage, III,John J., Direct payment with token.
  8. Nanbu,Kazuhiro; Murakami,Norio, Electronic commerce providing system having orderer authenticating function.
  9. Pailles, Jean-Claude; Levionnais, Philippe, Electronic payment process and system for implementing this process.
  10. Walker Jay S. ; Jindal Sanjay K. ; Jorasch James A., Method and apparatus for funds and credit line transfers.
  11. Walker Jay S. ; Jindal Sanjay K. ; Jorasch James A., Method and apparatus for funds and credit line transfers.
  12. Matyas ; Jr. Stephen M., Method and apparatus for providing product survey information in an electronic payment system.
  13. Walker, Jay S.; Tedesco, Daniel E.; Van Luchene, Andrew S.; Jorasch, James A., Method and system for authorization of account-based transactions.
  14. Walker Jay S. ; Tedesco Daniel E. ; Van Luchene Andrew S. ; Jorasch James A., Method and system for controlling authorization of credit card transactions.
  15. Walker Jay S. ; Tedesco Daniel E. ; Van Luchene Andrew S. ; Jorasch James A., Method and system for controlling authorization of credit card transactions.
  16. Nagy,Dan; Goott,Paul; Landry,John; Cox,David; Pang,Michael C.; Favole,Joe; Thompson,Michael, Method and system for data management in electronic payments transactions.
  17. Nikander Pekka,FIX, Method and system for performing electronic money transactions.
  18. Jeff S. Demoff ; Brad Reeves ; Alan Scott Wolff, Method and system for providing temporary credit authorizations.
  19. Lehto,Mariette, Method and system for the effecting payments by means of a mobile station.
  20. Horn,Michael; Wolf,Hans Hermann, Method and system for tranferring an electronic sum of money from a credit memory.
  21. Hjelmvik,Torbernt, Method relating to a vehicle parking cash-payment system.
  22. Rackley, III, Brady Lee; Porter, Warren Derek; Rickman, Gregory Michael; Cochran, Kyle Leighton, Methods and systems for payment method selection by a payee in a mobile environment.
  23. Rackley, III, Brady Lee; Porter, Warren Derek; Rickman, Gregory Michael; Cochran, Kyle Leighton, Methods and systems for payment transactions in a mobile environment.
  24. Rackley, III, Brady Lee; Porter, Warren Derek; Rickman, Gregory Michael; Cockran, Kyle Leighton, Methods and systems for viewing aggregated payment obligations in a mobile environment.
  25. Mann, II,William Frederick; Hirka,Jeffrey L., Methods for providing cardless payment.
  26. Klock, Jacqueline; Bowman, Beverly Ann; Ballot, Deborah L.; Womac, Selena G.; Winter, Rebecca; Heil, Kenneth Dale, Mobile communications billing architecture.
  27. Vatanen Harri Tapani,FIX, Mobile telephone system and method for carrying out financial transactions using a mobile telephone system.
  28. Angelin,Lars; Allfred,Christian; Carvalhal,Luiz Otavio; Undhagen,Andreas; Haraldsson,Lars, Payment system and method for use in an electronic commerce system.
  29. Davis Walter Lee ; LaVell Jeff ; Leonardo Victoria A. ; Herold Barry W., Portable 2-way wireless financial messaging unit.
  30. Berardi,Michael J.; Bliman,Michal; Bonalle,David; Elwood,Jennifer Anne; Hood,Matthew C.; Isenberg,Susan E.; Mayers,Alexandra; Perry,Trevor J.; Saunders,Peter D.; Scheding,Kathryn D.; Shah,Sejal Ajit;, System and method for assigning a funding source for a radio frequency identification device.
  31. Levchin,Max; Nosek,Luke Paul; Thiel,Peter; Banister,Scott Alan, System and method for electronically exchanging value among distributed users.
  32. Shenker,Gavin; Raj,Thanigaivel Ashwin; Sahota,Jagdeep Singh; Kashef,Forough; Hurry,Simon, System and method for managing electronic data transfer applications.
  33. Berardi,Michael J.; Bliman,Michal; Bonalle,David S.; Elwood,Jennifer Anne; Hood,Matthew C.; Isenberg,Susan E.; Mayers,Alexandra; Saunders,Peter D.; Scheding,Kathryn D.; Shah,Sejal Ajit; Williamson,Jo, System and method for payment using radio frequency identification in contact and contactless transactions.
  34. Schutzer, Daniel, System and method for use of distributed electronic wallets.
  35. Mann, III,William Frederick; Hirka,Jeffrey L., System for providing cardless payment.
  36. Antti Hannula FI; Hannu Kari FI, System, a method and an apparatus for performing an electric payment transaction in a telecommunication network.
  37. Gallagher,Paul; Davis,Steve; Liu,Ivan; Hampton,Martin, Systems and methods for implementing person-to-person money exchange.
  38. Gallagher,Paul; Davis,Steve; Robert,Kaycie; Simon,Robert; Baum,Michael; Schmandt,Mieko; Meng,Peihuan; Liu,Ivan; Noa,Jorge; Hampton,Martin, Systems and methods for implementing person-to-person money exchange.
  39. Hultgren, Anders, Tele/datacommunications payment method and apparatus.
  40. Martschitsch, Andreas; Lauper, Eric, Transaction method and selling system.
  41. Joao,Raymond Anthony; Bock,Robert Richard, Transaction security apparatus.
  42. Beenau, Blayn W.; Jones, Jessica U.; Peart, Lee J.; Saunders, Peter D., User experience on mobile phone.
  43. Myers,Joan; Garrison,Sara, Wireless payment methods and systems.
  44. Singer,Irek; Baghdadi,Gaby G.; Rok,Andrzej, Wireless payment processing system.
  45. Singer,Irek; Baghdadi,Gaby G.; Rok,Andrzej, Wireless payment processing system.
  46. Morrill ; Jr. Paul H., Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities.
  47. Joseph C. Kawan, Wireless transaction and information system.
  48. Kawan Joseph C., Wireless transaction and information system.

이 특허를 인용한 특허 (3)

  1. Zouiten, Yassir; Sletten, Dorilyn Lee, Promotion generation engine for a money transfer system.
  2. Zouiten, Yassir; Sletten, Dorilyn Lee, Promotion generation engine for a money transfer system.
  3. Zouiten, Yassir; Sletten, Dorilyn Lee, Promotion generation engine for a money transfer system.
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