Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2009-01-07
2011-12-06
Felten, Daniel (Department: 3693)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S041000, C705S042000
Reexamination Certificate
active
08073770
ABSTRACT:
Systems and methods are illustrated for performing a person-to-person funds transfer. A person-to-person funds transfer process may be divided into a funds transfer initiation process to receive the funds to be transferred and recipient information from a sender and a funds retrieval process to provide the funds to a recipient. The funds transfer initiation process may include a customizable authentication step that provides the sender an opportunity to determine the level of authentication. The funds transfer retrieval process may include determining whether the recipient is authenticated based on the authentication level chosen by the sender.
REFERENCES:
patent: 7870065 (2011-01-01), Gutierrez-Sheris
patent: 2005/0043014 (2005-02-01), Hodge
patent: 2006/0170530 (2006-08-01), Nwosu et al.
patent: 2008/0033870 (2008-02-01), Gutierrez-Sheris
International Search Report dated Mar. 15, 2010.
Cole Kevin
Wick Wanda P.
Bank of America Corporation
Banner & Witcoff , Ltd.
Felten Daniel
Springs Michael A.
LandOfFree
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