Electronic funds transfer method

Details Electronic funds transfer method Electronic funds transfer method

2001-02-14

2010-12-07

Apple, Kirsten S (Department: 3694)

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Finance

C705S064000, C705S065000, C705S067000, C705S075000, C705S076000

Reexamination Certificate

active

07849005

ABSTRACT:
A method of conducting an online transaction, said method including the steps of providing a transaction manager, registering a user with the transaction manager, registering a merchant with the transaction manager, the user requesting a unique transaction identifier from the transaction manager to cover the purchase, the transaction manager providing the user with a unique transaction identification, the user requesting the merchant for a transaction to purchase a product or service, the user providing the transaction identification to the merchant, the merchant providing the transaction identification to the transaction manager, the transaction manager validating the transaction identification, the transaction manager providing the merchant with a unique transaction number if the transaction identification is valid, and the transaction manager depositing payment into the merchant's financial institution account.

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