Network-accessible account system

• US 20050160051A1
• Filed: 03/14/2005
• Published: 07/21/2005
• Est. Priority Date: 07/12/1999
• Status: Abandoned Application

• Current Assignee: David Matthew Johnson
• Original Assignee: David Matthew Johnson
• Inventors: Johnson, David Matthew
• Application Number:
  US11/078,354
• Publication Number:
  US 20050160051A1
• Time in Patent Office: Days
• US Class Current: 705/64
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

The present invention is directed to methods of, and systems for, allowing an account participant to add value via a wide-area network to a first account from a second account. A first account server coupled to a wide-area network supports the first account. In a preferred embodiment the wide-area-network-accessible value transfer station (VTS) includes a central processing unit for executing instructions, and a memory unit. The memory unit includes an operating system, software for receiving from a participant via the network a) second account identification information, and b) a value that the participant desires to transfer to the first account from the second account, second account verification software for receiving the second account identification number from said receiving software and for verifying that the second account authorizes the transfer of the specified value, and value transfer software for receiving a value from the receiving software, for receiving a verification from the verification software, and for transferring the specified value to the first account from the second account if the verification is received. The wide-area-network-accessible VTS further includes conductive interconnects connecting the central processing unit and the memory unit to allow portions of the wide-area-network-accessible value transfer station to communicate and to allow the central processing unit to execute the software in the memory unit.

Claims

1. A system for allowing a user to add a value via a wide-area network (WAN) to a first account of a first network system of a participant from a second account supported by a different network system, the first account being supported by a first account server coupled to the WAN, said value-adding system comprising:

a WAN-accessible value transfer station (VTS) coupled to said WAN and coupled to the first account server, said WAN-accessible VTS including

1) means for receiving from one of a general purpose computer and a personal digital assistant (PDA) operated by the user a) second account identification information, and b) the value that the user desires to transfer to said first account from said second account,

2) means for determining that the user is authorized to access said first account,

3) means for verifying that said second account authorizes the transfer of said value, and

4) means for transferring said value to said first account from said second account.

2. The system according to claim 1, wherein said WAN-accessible VTS comprises:

a central processing unit for executing instructions,

a memory unit comprising;

an operating system,

software for receiving from the user via the WAN a) second account identification information, and b) the value that the user desires to transfer to said first account from said second account,

second account verification software for receiving the second account identification information from said receiving software and for verifying that the second account authorizes the transfer of said value, and

value transfer software for receiving the value from said receiving software, for receiving a verification from said verification software, and for transferring said value to said first account from said second account if said verification is received, and

conductive interconnects connecting said central processing unit and said memory unit to allow portions of the WAN-accessible VTS to communicate and to allow the central processing unit to execute the software in the memory unit.

3. The system according to claim 2, wherein said memory unit further comprises firewall software for providing security for the system.

4. The system according to claim 3, wherein said operating system comprises an operating system kernel and wherein said firewall software is integrated into the operating system kernel.

5. The system according to claim 2, wherein said memory unit further comprises security socket layer data encryption software for encrypting data for transfer outside of said system.

6. The system according to claim 2, wherein said receiving software further comprises software for receiving first account identification information.

7. The system according to claim 2, wherein said memory unit further comprises name recognition software for receiving first account identification information and for matching a name associated with the first account identification information with the name of the participant.

8. The system according to claim 2, wherein said memory unit further comprises system monitoring software for monitoring the system.

9. The system according to claim 8, wherein said system further comprises means for emitting sound to report system status, said means being controlled by said system monitoring software.

10. The system according to claim 2, wherein said system further comprises small computer system interface (SCSI) drives connected to said central processing unit.

11. The system according to claim 2, wherein said system further comprises backup drives coupled to said central processing unit.

12. The system according to claim 2, wherein said system further comprises at least one uninterruptable power supply coupled to said WAN-accessible VTS server.

13. The system according to claim 1, wherein said first account is a student identification card account.

14. The system according to claim 1, wherein said second account is selected from the group of accounts consisting of debit accounts and credit card accounts.

15. The system according to claim 1, wherein said first account server is coupled to the WAN through said WAN-accessible value transfer station.

16. The system according to claim 1, wherein the system further comprises a second WAN-accessible value transfer station.

24. The system of claim 1, wherein said WAN is a non-proprietary network.

25. The system of claim 1, wherein the first network system is a card account system.

26. The system of claim 1, wherein the different network system includes a financial network system.

27. The system of claim 1, wherein the user and the participant is the same person.

28. The system of claim 1, wherein said receiving means receives said second account information and said value at a Web site.

29. The system of claim 1, wherein access to the value transferred to said first account from said second account occurs instantaneously after the system receives the second account information and value that the user desires to transfer.

31. The system of claim 1, wherein the means for receiving further includes means for receiving from one of a telephone and a modem.

17-20. -20. (canceled)

21. An apparatus for transferring value between accounts comprising:

program code which provides for a card account participant or authorized user to use the Internet to add value to a first account from a second account, the first account being supported by a first account server coupled to the Internet, the first and second accounts being supported by different computer networks, said program code includes;

software for receiving from the participant or user a) first account identification information, b) second account identification information, and c) the value that the participant desires to transfer to said first account from said second account,

second account verification software for verifying that the second account authorizes the transfer of said value, and

value transfer software for transferring said value to said first account from said second account.

22. The computer data signal apparatus of claim 21, wherein the software for receiving from the participant first account identification information, second account information, and value includes software for receiving said first account information, said second account information, and said value from a device connected to the Internet.

23. The apparatus of claim 22, wherein the device connected to the Internet includes one of a general purpose computer and a personal digital assistant (PDA).

30. The apparatus of claim 22, wherein the device connected to the Internet includes one of a telephone and a modem.

34. The apparatus of claim 21, wherein the program code is included in a data signal embodied in a carrier wave when the card account participant or authorized user remotely adds value to the first account.

35. The apparatus of claim 21, wherein the program code includes a browser.

32. A system for allowing a user to add a value via a wide-area network (WAN) to a first account of a first network system of a participant from a second account supported by a different network system, the first account being supported by a first account server coupled to the WAN, said value-adding system comprising:

a WAN-accessible value transfer station (VTS) coupled to said WAN and coupled to the first account server, said WAN-accessible VTS including

1) means for receiving from one of a general purpose computer and a personal digital assistant (PDA) operated by the user a) second account identification information, and b) the value that the user desires to transfer to said first account from said second account,

2) means for verifying that said second account authorizes the transfer of said value, and

3) means for transferring said value to said first account from said second account,

wherein the first network system is a card account system.

33. The system of claim 32, wherein said WAN is a non-proprietary WAN.