Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2011-06-14
2011-06-14
Patel, Jagdish N (Department: 3693)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S035000
Reexamination Certificate
active
07962409
ABSTRACT:
A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account. Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.
REFERENCES:
patent: 3852571 (1974-12-01), Hall et al.
patent: 4321672 (1982-03-01), Braun et al.
patent: 5287269 (1994-02-01), Dorrough et al.
patent: 5455407 (1995-10-01), Rosen
patent: 5461217 (1995-10-01), Claus
patent: 5465206 (1995-11-01), Hilt et al.
patent: 5477038 (1995-12-01), Levine et al.
patent: 5511114 (1996-04-01), Stimson et al.
patent: 5577109 (1996-11-01), Stimson et al.
patent: 5590197 (1996-12-01), Chen et al.
patent: 5650604 (1997-07-01), Marcous et al.
patent: 5673309 (1997-09-01), Woynoski et al.
patent: 5677955 (1997-10-01), Doggett et al.
patent: 5692132 (1997-11-01), Hogan
patent: 5696908 (1997-12-01), Muehlberger et al.
patent: 5727163 (1998-03-01), Bezos et al.
patent: 5732136 (1998-03-01), Murphree et al.
patent: 5742845 (1998-04-01), Wagner
patent: 5745886 (1998-04-01), Rosen
patent: 5757917 (1998-05-01), Rose et al.
patent: 5796832 (1998-08-01), Kawan
patent: 5815657 (1998-09-01), Williams et al.
patent: 5825003 (1998-10-01), Jennings et al.
patent: 5826241 (1998-10-01), Stein et al.
patent: 5826245 (1998-10-01), Sandberg-Diment
patent: 5864830 (1999-01-01), Armetta et al.
patent: 5870456 (1999-02-01), Rogers
patent: 5870724 (1999-02-01), Lawlor et al.
patent: 5903878 (1999-05-01), Talati et al.
patent: 5920847 (1999-07-01), Kolling et al.
patent: 5937396 (1999-08-01), Konya
patent: 5943423 (1999-08-01), Muftic
patent: 5949044 (1999-09-01), Walker et al.
patent: 5952638 (1999-09-01), Demers et al.
patent: 5963647 (1999-10-01), Downing et al.
patent: 5963648 (1999-10-01), Rosen
patent: 5991749 (1999-11-01), Morrill, Jr.
patent: 6003764 (1999-12-01), De Rooij et al.
patent: 6010067 (2000-01-01), Elbaum
patent: 6012048 (2000-01-01), Gustin et al.
patent: 6014646 (2000-01-01), Vallee et al.
patent: 6021202 (2000-02-01), Anderson et al.
patent: 6032135 (2000-02-01), Molano et al.
patent: 6032136 (2000-02-01), Brake, Jr. et al.
patent: 6065675 (2000-05-01), Teicher
patent: 6070150 (2000-05-01), Remington et al.
patent: 6078907 (2000-06-01), Lamm
patent: 6092053 (2000-07-01), Boesch et al.
patent: 6105008 (2000-08-01), Davis et al.
patent: 6112984 (2000-09-01), Snavely
patent: 6138107 (2000-10-01), Elgamai
patent: 6149055 (2000-11-01), Gatto
patent: 6173272 (2001-01-01), Thomas et al.
patent: 6285991 (2001-09-01), Powar
patent: 6311170 (2001-10-01), Embrey
patent: 6354491 (2002-03-01), Nichols et al.
patent: 6366893 (2002-04-01), Hannula et al.
patent: 6711170 (2004-03-01), Brown
patent: 7031939 (2006-04-01), Gallagher et al.
patent: 04/21808 (1990-05-01), None
patent: 11102404 (1999-04-01), None
patent: WO 96/31965 (1996-10-01), None
patent: 97/45814 (1997-04-01), None
patent: 98/09260 (1997-04-01), None
patent: 99/18529 (1998-01-01), None
patent: WO 98/15925 (1998-04-01), None
patent: WO 99/10823 (1999-03-01), None
patent: 98/18529 (1999-04-01), None
patent: 99/10823 (1999-04-01), None
patent: WO 00/67177 (2000-11-01), None
IBM Intellectual Property Network, “TBD: Anonyomous Delivery of Goods in Electronic Commerce” IBM Technical Disclosure Bulletin, Mar. 1996, p. 363-366.
N. Deighton, “Bluetooth: The Missing Link in Mobile E-Commerce?”, Sep. 17, 1999, The Gartner Group.
R. Egan, “CIO and CEO Alert: Wireless Access Is a Growth Enabler for E-Business”, Nov. 17, 1999, The Gartner Group.
R. Egan, Wireless Access: An E-Business “Growth Hormone”, Oct. 11, 1999, The Gartner Group.
N. Deighton, “CEO and CIO Alert: Mobile Phone Adoption Provides an Advantage in E-Business”, Oct. 29, 1999, The Gartner Group.
K. Dulaney, “AvantGo Bids to Put the Web in Motion”, Nov. 18, 1999, The Gartner Group.
R. De Lotto, et al., “Impact of MADs on Internet Financial Services”, Apr. 19, 1999, The Gartner Group.
A. Litan, “Credit Card Payments Over the Web: What are the Options?”, Nov. 3, 1998, the Gartner Group.
K. Kerr, “Internet Micropayment Solutions Continue to Evolve”, Nov. 10, 1999, the Gartner Group.
O'Mahony et al, Electronic Payment Systems, Artech House, pp. 125-133 (1997).
Yarden,“Evaluating the Performances of the Electronics Commerce Systems”, Proceedings of the Winter Simulation Conference (1997).
“Internet Hits and Misses”, Plugged in, vol. 9, Issue 7 (Jul. 1998).
Gelbert et al., Creating an Intergarted Payment System, FRBNY Economic Policy Review (Jul. 1997).
Michele Marrinan, “First U nion, Open Market Hit the Internet”, Bank Systems & Technology, vol. 32, No. 5, pp. 6,7,10 (1995).
Sumitomo Bank Co., Ltd. Product Brochure Sumitomo's receipt of money verification service (Mar. 1999).
Japanese Office Action dated Aug. 10, 2004 (and English Translation of same).
Burney Jessica
D'Agostino Vincent
Hoffman Adam
O'Leary Denis
Re S. Richard
Goodwin & Procter LLP
JPMorgan Chase Bank, NA
Patel Jagdish N
LandOfFree
Method and system for processing internet payments using the... does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with Method and system for processing internet payments using the..., we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Method and system for processing internet payments using the... will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-2690593