Online payment transfer and identity management system and method
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United States of America Patent
Stats
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Oct 13, 2015
Grant Date -
May 26, 2011
app pub date -
Nov 26, 2010
filing date -
Jan 26, 2001
priority date (Note) -
In Force
status (Latency Note)
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Abstract
A payment transfer method for transferring funds from a payer to payee is provided, including designating a payee and specifying a payment amount and an account; debiting the funds from the account and crediting a first trust account; and identifying the payee by verifying responses received in response to one or more challenge-response questions defined by the payer. If the one or more responses are verified, a second trust account may be debited and a payee account credited with the payment amount. The first and second trust accounts may then be reconciled. There is also provided a payment transfer facility for transferring funds, comprising an application server for storing payment data relating to a transfer of funds and a notification server for providing a notification of the transfer of funds.
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