US Patent Application No: 2012/0116,968

Number of patents in Portfolio can not be more than 2000

Systems and Methods for Implementing Person-To-Person Money Exchange

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Importance

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Abstract

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A system conducts online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user establishes an online account, which is used to transfer funds to and from other online accounts. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. The online fund transfer may include a verification of a user's information including verifying a mailing address.

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Baum, Michael San Francisco, US 31 382
Davis, Steve San Leandro, US 29 1120
Gallagher, Paul San Francisco, US 21 538
Hampton, Martin Belmont, US 7 290
Liu, Ivan Redwood City, US 36 495
Meng, Peihuan Redwood City, US 7 282
Noa, Jorge San Francisco, US 7 217
Roberts, Kaycie San Francisco, US 5 55
Schmandt, Mieko Portola Valley, US 6 210
Simon, Robert San Francisco, US 35 689

Cited Art Landscape

Patent Info (Count) # Cites Year
 
MICROSOFT TECHNOLOGY LICENSING, LLC (1)
* 6,070,150 Electronic bill presentment and payment system 453 1996
 
CITICORP DEVELOPMENT CENTER, INC. (1)
* 7,376,622 System and method for automated debiting and settling of financial transactions 8 1999
 
Universal Transactions Systems Limited (1)
* 2002/0016,763 System and method for transferring funds 46 2001
 
AUTHENTIFY PATENT CO LLC (1)
* 6,934,858 System and method of using the public switched telephone network in providing authentication or authorization for online transactions 99 2000
 
EBS Dealing Resources, Inc. (1)
* 6,014,627 Credit management for electronic brokerage system 249 1996
 
CITICORP CREDIT SERVICES, INC. (USA) (1)
* 5,825,003 Customer-directed, automated process for transferring funds between accounts using a holding account and local processing 132 1997
 
Progressive Casualty Insurance Company (1)
* 2002/0116,228 METHOD AND APPARATUS FOR INTERNET ON-LINE INSURANCE POLICY SERVICE 26 1999
* Cited By Examiner

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