Data processing: financial – business practice – management – or co – Business processing using cryptography – Secure transaction
Reexamination Certificate
2006-09-05
2006-09-05
Reagan, James A (Department: 3621)
Data processing: financial, business practice, management, or co
Business processing using cryptography
Secure transaction
C705S014270, C705S016000, C705S026640, C705S034000, C705S035000, C705S039000, C705S040000, C705S041000, C705S042000, C705S043000, C705S044000, C705S045000, C705S065000, C705S066000, C705S067000, C705S075000, C705S076000, C705S077000, C705S078000, C235S375000, C235S376000, C235S377000, C235S378000, C235S379000, C235S380000, C235S381000, C379S114030
Reexamination Certificate
active
07103577
ABSTRACT:
The present invention relates to systems and methods for staging transactions and facilitating payments by consumers to a lender or merchant to consummate a financial transaction and/or to maintain a financial relationship. In one embodiment, a method for accepting payments from a consumer includes receiving a promise-to-pay record from a lender (210), receiving a payment from the consumer (220), associating the payment with the promise-to-pay record (230), and sending a notice to the lender (240), with the notice having an indicator that the payment has been received.
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Blair Paul
Hansen Kurt
Moore Gary
First Data Corporation
Reagan James A
Townsend and Townsend / and Crew LLP
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