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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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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International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Baum, Michael San Francisco, CA 40 326
Davis, Steve Newtown, PA 36 957
Gallagher, Paul San Francisco, CA 20 272
Hampton, Martin Belmont, CA 10 245
Liu, Ivan Redwood City, CA 43 393
Meng, Peihuan Redwood City, CA 10 248
Noa, Jorge San Francisco, CA 10 180
Roberts, Kaycie San Francisco, CA 8 37
Schmandt, Mieko Portola Valley, CA 9 179
Simon, Robert San Francisco, CA 42 601

Cited Art Landscape

Patent Info (Count) # Cites Year
 
CITICORP DEVELOPMENT CENTER, INC. (2)
* 5,825,003 Customer-directed, automated process for transferring funds between accounts using a holding account and local processing 120 1997
* 7,376,622 System and method for automated debiting and settling of financial transactions 7 1999
 
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 71 2000
 
EBS DEALING RESOURCES, INC. (1)
* 6,014,627 Credit management for electronic brokerage system 245 1996
 
MICROSOFT CORPORATION (1)
* 6,070,150 Electronic bill presentment and payment system 431 1996
 
PROGRESSIVE CASUALTY INSURANCE COMPANY (1)
* 2002/0116,228 METHOD AND APPARATUS FOR INTERNET ON-LINE INSURANCE POLICY SERVICE 16 1999
 
UNIVERSAL TRANSACTIONS SYSTEMS LIMITED (1)
* 2002/0016,763 System and method for transferring funds 32 2001
* Cited By Examiner

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