Conducting commerce between individuals

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 7921038
APP PUB NO 20090037304A1
SERIAL NO

12190130

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a second account to be debited by a debit amount. A financial authorization network performs an authorization analysis on at least the second account. The second account is debited if the authorization analysis is successfully completed, and the first account is directly credited by the payment amount to conclude the transaction. Risk analysis may be performed for each individual. Payment is integrated with shipping.

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Patent Owner(s)

Patent OwnerAddress
VISA INTERNATIONAL SERVICE ASSOCIATIONSAN FRANCISCO CA

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Matsuda, Paul Mill Valley, US 3 46
Perry, Sarah E Mill Valley, US 8 347
Wilk, Tracy L San Mateo, US 8 379

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