Method and apparatus for processing payment requests
First Claim
Patent Images
1. A method comprising:
- receiving a request from a user to register to use a payment system;
receiving identification of a user bank account to which received payments are to be deposited;
receiving an email address and an amount from the user;
generating a request for payment having the associated amount;
sending the request for payment to the email address;
offering the email recipient a plurality of options for making an electronic payment;
receiving the email recipient'"'"'s electronic payment choice; and
processing the chosen electronic payment on behalf of the user.
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Accused Products
Abstract
A request is received from a user to register to use a payment system. Further received is identification of a user bank account to which received payments are to be deposited. An email address is also received along with an amount from the user. A request for payment is generated having the associated amount. The request for payment is then sent to the email address. The email recipient is offered multiple options for making an electronic payment. The email recipient'"'"'s electronic payment choice is received and the electronic payment is processed on behalf of the user.
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Citations
22 Claims
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1. A method comprising:
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receiving a request from a user to register to use a payment system;
receiving identification of a user bank account to which received payments are to be deposited;
receiving an email address and an amount from the user;
generating a request for payment having the associated amount;
sending the request for payment to the email address;
offering the email recipient a plurality of options for making an electronic payment;
receiving the email recipient'"'"'s electronic payment choice; and
processing the chosen electronic payment on behalf of the user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method comprising:
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receiving instructions from an individual user to initiate a payment request, wherein the payment request includes an associated email address and amount;
generating the payment request with the associated amount;
sending the request for payment to the associated email address, wherein the user is not directly entitled to make an electronic debit to a bank account of another person;
offering the email recipient a plurality of options for making an electronic payment, wherein the options for making an electronic payment include a direct debit to a bank account;
receiving the email recipient'"'"'s electronic payment choice;
validating the email recipient'"'"'s ownership of their bank account;
a third party processor debiting the email recipient'"'"'s bank account;
crediting a third party processor'"'"'s central clearing account; and
the third party processor crediting the user'"'"'s account with the amount of the payment request. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20)
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21. One or more computer-readable media having stored thereon a computer program that, when executed by one or more processors, causes the one or more processors to:
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receiving a request from a user to register to use a payment system;
receiving identification of a user bank account to which received payments are to be deposited;
receiving an email address and an amount from the user;
sending a request for payment to the email address, wherein the request includes the amount;
offering the email recipient a plurality of options for making an electronic payment;
receiving the email recipient'"'"'s electronic payment choice;
receiving the email recipient'"'"'s electronic payment amount; and
processing the chosen electronic payment and payment amount on behalf of the user. - View Dependent Claims (22)
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Specification