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Authenticated messaging-based transactions

  • US 20050192893A1
  • Filed: 11/24/2004
  • Published: 09/01/2005
  • Est. Priority Date: 11/24/2003
  • Status: Abandoned Application
First Claim
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1. A method of enabling messaging-based transactions, comprising:

  • accessing, from a trusted source, transaction parameters revealing at least a registrant identity, a transaction amount, and an identity for a creditor of the registrant;

    accessing registered payment parameters associated with the registrant, including information related to a financial account designated by the registrant as available for application against payment requests;

    generating a message reflecting at least the creditor and the transaction amount;

    configuring the message to include a selectable object configured to trigger, upon selection by the registrant, a financial transfer of funds from the financial account to the trusted source in satisfaction of the transaction amount;

    configuring the message to reflect a trusted status afforded to the trusted source; and

    transmitting the message to the registrant such that the trusted status and selectable object are perceivable to the registrant, and such that the selectable object is accessible for selection by the registrant.

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