SYSTEM AND METHOD FOR SECURE ELECTRONIC FUND TRANSFERS
First Claim
Patent Images
1. A method for securely transferring electronic funds comprising:
- (a) assigning at least one security attribute to a computer file containing a digital representation of money, wherein the at least one security attribute precludes unauthorized access to the file containing the digital representation of money; and
(b) transmitting the file containing a digital representation of money to a recipient.
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Accused Products
Abstract
A system and method for allowing simplified electronic transfer of funds in files subject to sender-defined access constraints. In one aspect of the system and method, a digital currency file is transmitted as an attachment to an electronic message. The sender of the digital currency file defines the level of security associated with the file, i.e., what the recipient must provide to access the funds.
36 Citations
187 Claims
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1. A method for securely transferring electronic funds comprising:
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(a) assigning at least one security attribute to a computer file containing a digital representation of money, wherein the at least one security attribute precludes unauthorized access to the file containing the digital representation of money; and
(b) transmitting the file containing a digital representation of money to a recipient. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 121, 129, 160, 161)
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19. A method for receiving a secure file containing electronic funds comprising:
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(a) receiving a computer file containing a digital representation of money, wherein the file containing a digital representation of money has at least one security attribute which precludes unauthorized access to the file; and
(b) entering security indicia, which allows access to the file containing a digital representation of money. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27, 122, 130, 162, 163, 164)
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28. A method for securely transferring electronic funds comprising:
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(a) creating a computer file containing a digital representation of money;
(b) assigning at least one security attribute to the file containing a digital representation of money, wherein the at least one security attribute precludes unauthorized access to the file containing the digital representation of money;
(c) attaching the file containing a digital representation of money to an electronic mail message; and
(d) transmitting the electronic mail message with attached file containing a digital representation of money to a recipient. - View Dependent Claims (29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 123, 131, 132, 133, 134, 135, 165, 166)
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46. A method for receiving a secure file containing electronic funds comprising:
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(a) receiving an electronic mail message with an attached computer file containing a digital representation of money, wherein the file containing a digital representation of money has at least one security attribute which precludes unauthorized access to the file; and
(b) entering security indicium, which allows access to the file containing a digital representation of money. - View Dependent Claims (47, 48, 49, 50, 51, 52, 53, 54, 124, 136, 137, 138, 139, 167, 168, 169)
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55. A system for securely transferring electronic funds comprising:
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(a) means for assigning at least one security attribute to a file containing a digital representation of money, wherein the at least one security attribute precludes unauthorized access to the file containing the digital representation of money; and
(b) means for transmitting the file containing a digital representation of money to a recipient. - View Dependent Claims (56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70, 71, 72, 125, 140, 141, 142, 143, 144, 170, 171)
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73. A system for receiving a secure file containing electronic funds comprising:
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(a) means for receiving a computer file containing a digital representation of money, wherein the file containing a digital representation of money of money has at least one security attribute which precludes unauthorized access to the file; and
(b) means for entering security indicia, which allows access to the file containing a digital representation of money. - View Dependent Claims (74, 75, 76, 77, 78, 79, 80, 81, 126, 145, 146, 147, 148, 149, 172, 173, 174)
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82. A system for securely transferring electronic funds comprising:
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(a) means for creating a computer file containing a digital representation of money;
(b) means for assigning at least one security attribute to the file containing a digital representation of money, wherein the at least one security attribute precludes unauthorized access to the file containing the digital representation of money;
(c) means for attaching the file containing a digital representation of money to an electronic mail message; and
(d) means for transmitting the electronic mail message with attached file containing a digital representation of money to a recipient. - View Dependent Claims (83, 84, 85, 86, 87, 88, 89, 90, 91, 92, 93, 94, 95, 96, 97, 98, 99, 127, 150, 151, 152, 153, 154, 175, 176)
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100. A system for receiving a secure file containing electronic funds comprising:
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(a) means for receiving an electronic mail message with an attached computer file containing a digital representation of money, wherein the file containing a digital representation of money of money has at least one security attribute which precludes unauthorized access to the file; and
(b) means for entering security indicia that allows access to the file containing a digital representation of money. - View Dependent Claims (101, 102, 103, 104, 105, 106, 107, 108, 128, 155, 156, 157, 158, 159, 177, 178, 179)
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109. A programmed computer configured for securely transferring electronic funds comprising:
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(a) a memory having at least one region for storing computer executable program code; and
(b) a processor for executing the program code stored in memory, wherein the program code includes;
(i) code for assigning at least one security attribute to a file containing a digital representation of money, wherein the at least one security attribute precludes unauthorized access to the file containing the digital representation of money; and
(ii) code for transmitting the file containing a digital representation of money to a recipient. - View Dependent Claims (180)
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110. A programmed computer configured for receiving a secure file containing electronic funds comprising:
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(a) a memory having at least one region for storing computer executable program code; and
(b) a processor for executing the program code stored in memory, wherein the program code includes;
(i) code for receiving a file containing a digital representation of money, wherein the file containing a digital representation of money has at least one security attribute which precludes unauthorized access to the file; and
(ii) code for facilitating the entry of security indicia that allows access to the file containing a digital representation of money. - View Dependent Claims (181)
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111. Computer executable software code configured for securely transferring electronic funds comprising:
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(a) code for assigning at least one security attribute to a file containing a digital representation of money, wherein the at least one security attribute precludes unauthorized access to the file containing the digital representation of money; and
(b) code for transmitting the file containing a digital representation of money to a recipient. - View Dependent Claims (112, 182)
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113. Computer executable software code configured for receiving a secure file containing electronic funds comprising:
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(a) code for receiving an electronic mail message with an attached file containing a digital representation of money, wherein the file containing a digital representation of money has at least one security attribute which precludes unauthorized access to the file; and
(b) code for facilitating the entry of security indicia that allows access to the file containing a digital representation of money. - View Dependent Claims (114, 183)
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115. A programmed computer configured for securely transferring electronic funds comprising:
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(a) a memory having at least one region for storing computer executable program code; and
(b) a processor for executing the program code stored in memory, wherein the program code includes;
(i) code for creating a file containing a digital representation of money;
(ii) code for assigning at least one security attribute to the file containing a digital representation of money, wherein the at least one security attribute precludes unauthorized access to the file containing the digital representation of money;
(iii) code for attaching the file containing a digital representation of money to an electronic mail message; and
(iv) code for transmitting the electronic mail message with attached file containing a digital representation of money to a recipient. - View Dependent Claims (184)
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116. A programmed computer configured for receiving a secure file containing electronic funds comprising:
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(a) a memory having at least one region for storing computer executable program code; and
(b) a processor for executing the program code stored in memory, wherein the program code includes;
(i) code for receiving an electronic mail message with an attached file containing a digital representation of money, wherein the file containing a digital representation of money has at least one security attribute which precludes unauthorized access to the file; and
(ii) code for facilitating the entry of security indicia that allows access to the file containing a digital representation of money. - View Dependent Claims (185)
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117. Computer executable software code configured for securely transferring electronic funds comprising:
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(a) code for creating a file containing a digital representation of money;
(b) code for assigning at least one security attribute to the file containing a digital representation of money, wherein the at least one security attribute precludes unauthorized access to the file containing the digital representation of money;
(c) code for attaching the file containing a digital representation of money to an electronic mail message; and
(d) code for transmitting the electronic mail message with attached file containing a digital representation of money to a recipient. - View Dependent Claims (118, 186)
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119. Computer executable software code configured for receiving a secure file containing electronic funds comprising:
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(a) code for receiving an electronic mail message with an attached file containing a digital representation of money, wherein the file containing a digital representation of money has at least one security attribute which precludes unauthorized access to the file; and
(b) code for facilitating the entry of security indicia that allows access to the file containing a digital representation of money. - View Dependent Claims (120, 187)
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Specification