Systems and methods of introducing and receiving information across a computer network
First Claim
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1. A method for storing value that is usable to purchase goods or services, the method comprising:
- receiving money at a money transfer location from a potential purchaser;
storing an electronic record of the received money in a stored value account of the purchaser;
receiving a request from the purchaser to transfer at least a portion of the received money to a recipient;
electronically sending the requested money to the recipient and debiting the stored value account.
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Abstract
One method involves the use of stored value account that may be used, for example, to make internet payments, and that can be credited using a variety of payment techniques. Such a method involves receiving money at a money transfer location from a potential purchaser. The money is then stored as an electronic record in a stored value account of the purchaser. This money is then available for transfer at the request of the purchaser. Upon such a request, the money may be electronically sent to a recipient and the stored value account may be debited.
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Citations
33 Claims
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1. A method for storing value that is usable to purchase goods or services, the method comprising:
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receiving money at a money transfer location from a potential purchaser;
storing an electronic record of the received money in a stored value account of the purchaser;
receiving a request from the purchaser to transfer at least a portion of the received money to a recipient;
electronically sending the requested money to the recipient and debiting the stored value account. - View Dependent Claims (2, 3, 4, 5)
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6. A method for transferring money from a sender to a recipient, the method comprising:
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receiving money from the sender along with information on the recipient that is to receive the money;
creating an electronic record of the money and the intended recipient;
providing the recipient with various payment options for receiving the money, wherein the payment options are selected from a group consisting of a hand delivery to the recipient in cash, a hand delivery to the recipient in a money order, the crediting of an account of the recipient, and by the use of a card;
receiving a request for payment using one of the payment options selected by the recipient;
paying the recipient the money according to the requested payment option; and
creating an electronic record of the payment. - View Dependent Claims (7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32)
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33. A method for transferring money from a sender to a recipient, the method comprising:
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receiving money from the sender along with information on the recipient that is to receive the money and that the money is to be stored on a stored value card;
creating an electronic record of the money and the intended recipient;
receiving a request for payment by the recipient;
paying the recipient the money by initializing a stored value card and storing the value of the money on the stored value card; and
creating an electronic record of the payment.
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Specification