Person-to-person funds transfer

Details Person-to-person funds transfer Person-to-person funds transfer

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.

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