Computer-based funds transfer system
First Claim
1. A method of performing user-to-user funds transfer transactions, the method comprising:
- registering a first user with a funds transfer service through web-based communications between the first user and a server system, wherein the first user submits account and authentication information via a web-based user interface of the server system during registration, said web-based user interface adapted to be used by both payers and payees to effect user-to-user funds transfer transactions;
presenting to the first user one or more web forms that provide functionality for the first user to submit payment requests for initiating funds transfer transactions with target users, wherein the one or more web forms provide functionality for specifying a target user by supplying an email address of the target user;
receiving, at the server system, a payment request submitted by the first user using the one or more web forms, said payment request specifying an email address of a second, target user who is not registered with the funds transfer service, and specifying a payment amount for performing a funds transfer transaction with the second user;
in response to receiving the payment request at the server system, transmitting an email message to the email address of the second user, said email message specifying a URL for accessing the server system, whereby the second user may access the server system to register with the funds transfer service and supply instructions for completing the funds transfer transaction; and
in response to the second user accessing the URL, communicating with the second user via the web-based user interface to register the second user with the funds transfer service, and to receive instructions from the second user for completing said funds transfer transaction with the first user.
2 Assignments
0 Petitions
Accused Products
Abstract
A computer-based funds transfer service provides functionality for users to send and receive payments via a web-based user interface. In one embodiment, the web-based user interface provides functionality for a first user of the service to generate and submit a payment request for sending money to, or collecting money from, a second user, who may but need not be registered with the service. The first user may specify the second user by supplying an email address of the second user, which may be used by the service to notify the second user of the payment request. The email message sent to the second user may include a URL that can be accessed by the second user to register with the service (if not already registered) and complete the transaction.
141 Citations
29 Claims
-
1. A method of performing user-to-user funds transfer transactions, the method comprising:
-
registering a first user with a funds transfer service through web-based communications between the first user and a server system, wherein the first user submits account and authentication information via a web-based user interface of the server system during registration, said web-based user interface adapted to be used by both payers and payees to effect user-to-user funds transfer transactions;
presenting to the first user one or more web forms that provide functionality for the first user to submit payment requests for initiating funds transfer transactions with target users, wherein the one or more web forms provide functionality for specifying a target user by supplying an email address of the target user;
receiving, at the server system, a payment request submitted by the first user using the one or more web forms, said payment request specifying an email address of a second, target user who is not registered with the funds transfer service, and specifying a payment amount for performing a funds transfer transaction with the second user;
in response to receiving the payment request at the server system, transmitting an email message to the email address of the second user, said email message specifying a URL for accessing the server system, whereby the second user may access the server system to register with the funds transfer service and supply instructions for completing the funds transfer transaction; and
in response to the second user accessing the URL, communicating with the second user via the web-based user interface to register the second user with the funds transfer service, and to receive instructions from the second user for completing said funds transfer transaction with the first user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
-
-
15. A computer-implemented method of facilitating transfers of funds between users via a computer-based funds transfer service, the method comprising:
-
receiving, by a computer system associated with the funds transfer service, a payment request submitted by a registered user of the funds transfer service, wherein the payment request specifies an email address of a target user that is not registered with the funds transfer service, and specifies a payment amount for conducting a funds transfer transaction between the registered user and the target user; and
automatically responding to the payment request, at least in part, by sending, to the email address of the target user, an email message that invites the target user to use the funds transfer service to perform the funds transfer transaction, wherein the email message includes a uniform resource locator (URL) associated with the computer system, such that the user may access the computer system to register with the funds transfer service and provide instructions for performing the funds transfer transaction. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29)
-
Specification