Methods, devices and bank computers for consumers using communicators to wire funds to sellers and vending machines
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United States of America Patent
Stats
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Aug 5, 2014
Grant Date -
Sep 26, 2013
app pub date -
May 20, 2013
filing date -
Jan 25, 2000
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Abstract
Methods for consumers to pay at the point of sale by using a personal communicator to wire transfer funds out of their bank account. The communicator is coupled to, and exchanges signals with a reciprocating communicator of the seller, which in turn is coupled to the seller's bank. This way the money is transferred as an EFT payment code directly from the buyer's bank to the seller's bank, where it may be considered direct deposited, without processing delays. Devices also include vending machines that can receive payment this way. Bank computers are provided with systems and software for enabling the above. The bank computers are accessible by telephone lines, and work with cooperating banks by exchanging signals, for transferring the funds. The seller's bank generates a payment confirmation code that is ultimately transmitted to the seller's satisfaction for releasing the goods at the point of sale.
First Claim
Family
- 15 United States
- 10 France
- 8 Japan
- 7 China
- 5 Korea
- 2 Other
Patent Owner(s)
- XYLON LLC
International Classification(s)
Inventor(s)
Inventor Name | Address | # of filed Patents | Total Citations |
---|---|---|---|
Kavounas, Gregory T | Bellevue, US | 166 | 1635 |
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