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 32 414
Davis, Steve San Leandro, US 29 1188
Gallagher, Paul San Francisco, US 24 656
Hampton, Martin Belmont, US 7 318
Liu, Ivan Redwood City, US 36 556
Meng, Peihuan Redwood City, US 7 299
Noa, Jorge San Francisco, US 7 235
Roberts, Kaycie San Francisco, US 5 61
Schmandt, Mieko Portola Valley, US 6 226
Simon, Robert San Francisco, US 35 738

Cited Art Landscape

Patent Info (Count) # Cites Year
 
MICROSOFT TECHNOLOGY LICENSING, LLC (1)
* 6070150 Electronic bill presentment and payment system 460 1996
 
UNIVERSAL TRANSACTIONS SYSTEMS LIMITED (1)
* 2002/0016,763 System and method for transferring funds 47 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 120 2000
 
EBS Dealing Resources, Inc. (1)
* 6014627 Credit management for electronic brokerage system 251 1996
 
CITICORP CREDIT SERVICES, INC. (USA) (2)
* 5825003 Customer-directed, automated process for transferring funds between accounts using a holding account and local processing 139 1997
* 7376622 System and method for automated debiting and settling of financial transactions 9 1999
 
PROGRESSIVE CASUALTY INSURANCE COMPANY (1)
* 2002/0116,228 METHOD AND APPARATUS FOR INTERNET ON-LINE INSURANCE POLICY SERVICE 30 1999
* Cited By Examiner

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