Money management network

• US 20050211765A1
• Filed: 05/16/2005
• Published: 09/29/2005
• Est. Priority Date: 06/27/2000
• Status: Abandoned Application

• Current Assignee: Nicholas Anthony Lindsay Brown
• Original Assignee: Digital World Access, Inc.
• Inventors: Brown, Nicholas Anthony Lindsay, Saylors, Eric Stephen
• Application Number:
  US11/130,582
• Publication Number:
  US 20050211765A1
• Time in Patent Office: Days
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A money management network including a money management network, a bank web site hosted by a bank, and a vendor web site hosted by a vendor. The bank web site is accessible by a bank/vendor customer. The vendor web site accessible by the bank/vendor customer. The bank web site has means for accepting authorization for a purchase transaction from the bank/vendor customer such that the authorization verifies the bank/vendor customer'"'"'s identification for the vendor. In one preferred embodiment the vendor receives authorization for a purchase without the vendor receiving customer account information from the bank/vendor customer, the bank, or the money management network.

Claims

1. A money management network comprising:

(a) a money management network;

(b) a bank web site hosted by a bank, said bank web site accessible by a bank/vendor customer, said bank web site linked to said money management network;

(c) a vendor web site hosted by a vendor, said vendor web site accessible by said bank/vendor customer, said vendor web site linked to said money management network; and

(d) said bank web site having means for accepting authorization for a purchase transaction from said bank/vendor customer such that said authorization verifies said bank/vendor customer'"'"'s identification for said vendor.

2. A money management network as detailed in claim 1 wherein said vendor receives authorization for a purchase without said vendor receiving customer account information from said bank/vendor customer, said bank, or said money management network.