Payment service method and system
4 Assignments
0 Petitions
Accused Products
Abstract
A payment service method and system involve a payment service provider, a customer/payor and a client/payee. The customer/payor enrolls in the service and is provided the unique identifier which enables him or her to conduct all transactions with the payment service provider. The customer/payor interfaces with the payment service provider through various forms of communication, and can facilitate payments to the clients/payees through the payment service provider while remaining anonymous. Various enhancements are provided for promoting the services of the clients and the payment service provider to customer bases obtained from persons enrolled in the payment service and from persons who are customers of the clients.
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Citations
63 Claims
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1-35. -35. (canceled)
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36. A payment service method, which comprises the steps of:
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a) a payment service provider contracting with a client to provide payment accounts to customers of the client, wherein a customer of the client enrolls with the payment service provider and thereafter pays funds into the payment account and uses the funds to purchase goods or services from the client;
b) the payment service provider receiving account information for the customers from the client;
c) storing the account information in a database;
d) receiving a request from the customer to make a payment to a client account;
e) receiving identifying information from the customer;
f) using the database to verify status of the client account;
g) the payment service provider receiving a payment from the customer to purchase goods or services;
h) using a computer to establish the payment account with the payment service provider for the customer, wherein the computer is capable of communicating with a storage medium;
i) storing the payment account in the storage medium;
j) the payment service provider issuing and assigning a unique identifier to the customer after enrolling with the payment service provider and for purposes of making payments, wherein the unique identifier is configured to provide the customer with access to the payment account to make further payments from the payment account without providing the identifying information;
k) crediting the payment account in an amount corresponding to the payment; and
l) using a wire transfer to transfer the funds from the payment account to the client account upon receipt of the payment. - View Dependent Claims (37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63)
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Specification