Automated group payment
First Claim
1. A method for transferring credit from a sender to a plurality of recipients using a wide-area computer network, the method comprising:
- receiving at a server computer system information from the sender to transfer credit to the plurality of recipients, wherein the information includes a unique identifier for each of the plurality of recipients and a credit amount;
determining a first handler chosen by the sender;
requesting credit transfer from the first handler;
receiving at the server computer system the credit amount from the first handler;
determining a second handler chosen by one of the plurality of recipients; and
sending the credit amount to the second handler associated with the one.
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Accused Products
Abstract
According to the invention, a process for transferring credit from a sender to a number of recipients using a wide-area computer network is disclosed. In one step, a server computer system receives information from the sender to transfer credit to the number of recipients. The information includes a unique identifier for each of the number of recipients and a credit amount. A first handler chosen by the sender and a second handler chosen by one of the number of recipients are determined. A credit transfer from the first handler is requested. The credit amount from the first handler is received at the server computer system. The credit amount is sent to the second handler associated with the one of the number of recipients.
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Citations
31 Claims
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1. A method for transferring credit from a sender to a plurality of recipients using a wide-area computer network, the method comprising:
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receiving at a server computer system information from the sender to transfer credit to the plurality of recipients, wherein the information includes a unique identifier for each of the plurality of recipients and a credit amount;
determining a first handler chosen by the sender;
requesting credit transfer from the first handler;
receiving at the server computer system the credit amount from the first handler;
determining a second handler chosen by one of the plurality of recipients; and
sending the credit amount to the second handler associated with the one. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 19, 20, 21, 22, 23, 24, 25, 26, 27, 29, 30, 31)
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18. A method for transferring credit from a sender to a plurality of recipients using the Internet, the method comprising:
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receiving at a server computer system information from a sender to transfer credit to a plurality of recipients, wherein;
the information includes a plurality of credit amounts for the plurality of recipients wherein at least two of the plurality of credit amounts are different amounts, and the sum of a plurality of credit amounts is an aggregate credit amount;
determining a first handler chosen by the sender;
requesting credit transfer from the first handler;
receiving at the server computer system the aggregate credit amount from the first handler;
determining a plurality of second handlers respectively chosen by the plurality of recipients; and
sending the plurality of credit amounts to the plurality of second handlers.
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28. A computer data signal embodied in a carrier wave for facilitating a credit transfer from a sender to a plurality of recipients, comprising:
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a receiver code segment comprising a plurality of unique identifiers that correspond to the plurality of recipients; and
an amount code segment comprising at least one credit amount for one of the plurality of recipients, wherein the computer data signal causes the transfer of a credit from the sender to a plurality of handlers respectively chosen by the plurality of recipients.
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Specification