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

Number of patents in Portfolio can not be more than 2000

United States of America Patent

APP PUB NO 20120116968A1
SERIAL NO

13344684

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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 33 481
Davis, Steve San Leandro, US 31 1267
Gallagher, Paul San Francisco, US 27 913
Hampton, Martin Belmont, US 7 355
Liu, Ivan Redwood City, US 38 621
Meng, Peihuan Redwood City, US 7 326
Noa, Jorge San Francisco, US 7 263
Roberts, Kaycie San Francisco, US 5 74
Schmandt, Mieko Portola Valley, US 6 252
Simon, Robert San Francisco, US 37 801

Cited Art Landscape

Patent Info (Count) # Cites Year
 
MICROSOFT TECHNOLOGY LICENSING, LLC (1)
* 6070150 Electronic bill presentment and payment system 471 1996
 
UNIVERSAL TRANSACTIONS SYSTEMS LIMITED (1)
* 2002/0016,763 System and method for transferring funds 57 2001
 
AUTHENTIFY PATENT CO LLC (1)
* 6934858 System and method of using the public switched telephone network in providing authentication or authorization for online transactions 134 2000
 
EBS Dealing Resources, Inc. (1)
* 6014627 Credit management for electronic brokerage system 255 1996
 
CITICORP CREDIT SERVICES, INC. (USA) (2)
* 5825003 Customer-directed, automated process for transferring funds between accounts using a holding account and local processing 143 1997
* 7376622 System and method for automated debiting and settling of financial transactions 12 1999
 
PROGRESSIVE CASUALTY INSURANCE COMPANY (1)
* 2002/0116,228 METHOD AND APPARATUS FOR INTERNET ON-LINE INSURANCE POLICY SERVICE 52 1999
* Cited By Examiner

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