SYSTEM AND METHOD FOR PERFORMING PERSON-TO-PERSON FUNDS TRANSFERS VIA WIRELESS COMMUNICATIONS
First Claim
1. A computer program product comprising a computer-usable medium having control logic stored therein for causing a computer to enable a buyer to transfer funds to a seller via mobile telephones, the control logic comprising:
- first computer-readable program code for causing the computer to receive a funds-transfer request transmitted from a mobile telephone of the seller,wherein the funds-transfer request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller,wherein the funds-transfer request is transmitted from a payment application stored in the seller'"'"'s mobile telephone, andwherein the funds-transfer request identifies a purchase amount to be transferred, and information identifying the financial account held by the seller;
second computer-readable program code for causing the computer to charge the purchase amount to the financial account held by the buyer and to transfer the purchase amount to a financial account held by the seller; and
third computer-readable program code for causing the computer to provide a payment acknowledgment to the buyer'"'"'s mobile telephone and to the seller.
1 Assignment
0 Petitions
Accused Products
Abstract
A funds-transfer system includes a processor and a memory storing control logic for causing the processor to enable a buyer to transfer funds to a seller via a mobile telephone. The control logic includes program code for causing the processor to receive a payment request transmitted from a mobile telephone of the buyer. The payment request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller, and the payment request is transmitted from a payment application stored in the buyer'"'"'s mobile telephone. The payment request identifies a purchase amount to be transferred, and information identifying the financial account held by the buyer. The control logic also includes program code for causing the processor to charge the purchase amount to the financial account held by the buyer and to transfer the purchase amount to a financial account held by the seller. Additionally, the control logic includes program code for causing the processor to provide a payment acknowledgment to the buyer'"'"'s mobile telephone and to the seller.
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Citations
37 Claims
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1. A computer program product comprising a computer-usable medium having control logic stored therein for causing a computer to enable a buyer to transfer funds to a seller via mobile telephones, the control logic comprising:
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first computer-readable program code for causing the computer to receive a funds-transfer request transmitted from a mobile telephone of the seller, wherein the funds-transfer request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller, wherein the funds-transfer request is transmitted from a payment application stored in the seller'"'"'s mobile telephone, and wherein the funds-transfer request identifies a purchase amount to be transferred, and information identifying the financial account held by the seller; second computer-readable program code for causing the computer to charge the purchase amount to the financial account held by the buyer and to transfer the purchase amount to a financial account held by the seller; and third computer-readable program code for causing the computer to provide a payment acknowledgment to the buyer'"'"'s mobile telephone and to the seller. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A computer program product comprising a computer-usable medium having control logic stored therein for causing a computer to enable funds to be transferred between a first party and a second party via mobile devices, the control logic comprising:
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first computer-readable program code for causing the computer to receive a request transmitted from a mobile device of the first party, wherein the request is for a transfer of funds to a financial account held by the first party from a financial account held by the second party, wherein the request is transmitted from a payment application stored in the first party'"'"'s mobile device, and wherein the request identifies a purchase amount to be transferred, information identifying the financial account of the first party, and information identifying the financial account of the second party; second computer-readable program code for causing the computer transfer the purchase amount between the financial account held by the first party and the financial account held by the second party; and third computer-readable program code for causing the computer to provide a payment acknowledgment to the first party'"'"'s mobile device and to a the second party'"'"'s mobile device. - View Dependent Claims (8, 9, 10, 11, 12)
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13. A computer program product comprising a computer-usable medium having control logic stored therein for causing a computer to enable a buyer to transfer funds to a seller via mobile telephones, the control logic comprising:
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first computer-readable program code for causing the computer to upload a payment application to a mobile telephone of the seller upon an upload request transmitted from the seller'"'"'s mobile telephone to the computer, wherein the uploaded payment application is personalized for the seller in accordance with identification information transmitted from the seller'"'"'s mobile telephone to the computer, and wherein the uploaded payment application is stored in a memory of the seller'"'"'s mobile telephone; second computer-readable program code for causing the computer to receive a funds-transfer request transmitted from the seller'"'"'s mobile telephone, wherein the funds-transfer request is for a transfer of funds from a financial account held by the buyer to a financial account held by a seller, and wherein the funds-transfer request is transmitted in accordance with the payment application and identifies a purchase amount to be transferred, a telephone number for a mobile telephone of the buyer and information identifying the financial account held by the seller. third computer-readable program code for causing the computer to charge the purchase amount to the financial account held by the buyer and to transfer the purchase amount to a financial account held by the seller; and fourth computer-readable program code for causing the computer to provide a payment acknowledgment to each of the buyer'"'"'s mobile telephone and the seller'"'"'s mobile telephone. - View Dependent Claims (14, 15, 16, 17)
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18. A computer system comprising a processor and a memory storing control logic for causing the processor to enable a buyer to transfer funds to a seller via mobile telephones, wherein the control logic includes:
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first computer-readable program code for causing the processor to receive a funds-transfer request transmitted from a mobile telephone of the seller, wherein the funds-transfer request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller; wherein the funds-transfer request is transmitted from a payment application stored in the seller'"'"'s mobile telephone, and wherein the funds-transfer request identifies a purchase amount to be transferred, and information identifying the financial account held by the seller; second computer-readable program code for causing the processor to charge the purchase amount to the financial account held by the buyer and to transfer the purchase amount to a financial account held by the seller; and third computer-readable program code for causing the processor to provide a payment acknowledgment to the buyer'"'"'s mobile telephone and to the seller. - View Dependent Claims (19, 20, 21, 22, 23)
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24. A computer system comprising a processor and a memory storing control logic for causing the processor to enable funds to be transferred between a first party and a second party via mobile devices, wherein the control logic includes:
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first computer-readable program code for causing the processor to receive a request transmitted from a mobile device of the first party, wherein the request is for a transfer of funds to a financial account held by the first party from a financial account held by the second party, wherein the request is transmitted from a payment application stored in the first party'"'"'s mobile device, and wherein the request identifies a purchase amount to be transferred, information identifying the financial account of the first party, and information identifying the financial account of the second party; second computer-readable program code for causing the processor to transfer the purchase amount between the financial account held by the first party and the financial account held by the second party; and third computer-readable program code for causing the processor to provide a payment acknowledgment to the first party'"'"'s mobile device and to a communication device of the second party. - View Dependent Claims (25, 26, 27, 28, 29)
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30. A computer system comprising a processor and a memory storing control logic stored therein for causing the processor to enable a buyer to transfer funds to a seller via mobile telephones, wherein the control logic includes:
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first computer-readable program code for causing the processor to download a payment application to a mobile telephone of the seller upon a download request transmitted from the seller'"'"'s mobile telephone to the computer system, wherein the downloaded payment application is personalized for the buyer in accordance with identification information transmitted from the seller'"'"'s mobile telephone to the computer system, and wherein the downloaded payment application is stored in a memory of the seller'"'"'s mobile telephone; second computer-readable program code for causing the processor to receive a funds-transfer request transmitted from the seller'"'"'s mobile telephone, wherein the funds-transfer request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller, and wherein the funds-transfer request is transmitted in accordance with the payment application and identifies a purchase amount to be transferred, a telephone number for a mobile telephone of the buyer, and information identifying the financial account held by the seller; third computer-readable program code for causing the processor to charge the purchase amount to the financial account held by the buyer and to transfer the purchase amount to a financial account held by the seller; and fourth computer-readable program code for causing the processor to provide a payment acknowledgment to each of the buyer'"'"'s mobile telephone and the seller'"'"'s mobile telephone. - View Dependent Claims (31, 32, 33, 34)
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35. A method for a buyer to transfer funds to a seller via mobile telephones, the method comprising:
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receiving a funds-transfer request transmitted from a mobile telephone of the seller, wherein the funds-transfer request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller, wherein the funds-transfer request is transmitted from a payment application stored in the seller'"'"'s mobile telephone, and wherein the funds-transfer request identifies a purchase amount to be transferred, and information identifying the financial account held by the seller; charging the purchase amount to the financial account held by the buyer; transferring the purchase amount to a financial account held by the seller; and providing a payment acknowledgment to the buyer'"'"'s mobile telephone and to the seller.
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36. A method for funds to be transferred between a first party and a second party via mobile devices, the method comprising:
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receiving a request transmitted from a mobile device of the first party, wherein the request is for a transfer of funds to a financial account held by the first party from a financial account held by the second party, wherein the request is transmitted from a payment application stored in the first party'"'"'s mobile device, and wherein the request identifies a purchase amount to be transferred, information identifying the financial account of the first party, and information identifying the financial account of the second party; transferring the purchase amount between the financial account held by the first party and the financial account held by the second party; and providing a payment acknowledgment to the first party'"'"'s mobile device and to the mobile device of the second party.
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37. A method for a buyer to transfer funds to a seller via mobile telephones, the method comprising:
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uploading a payment application to a mobile telephone of the buyer seller upon an upload request transmitted from the seller'"'"'s mobile telephone to the computer, wherein the uploaded payment application is personalized for the seller in accordance with identification information transmitted from the seller'"'"'s mobile telephone to the computer, and wherein the uploaded payment application is stored in a memory of the seller'"'"'s mobile telephone; receiving a funds-transfer request transmitted from the seller'"'"'s mobile telephone, wherein the funds-transfer request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller, and wherein the funds-transfer request is transmitted in accordance with the payment application and identifies a purchase amount to be transferred, a telephone number for a mobile telephone of the buyer and information identifying the financial account held by the seller; charging the purchase amount to the financial account held by the buyer; transferring the purchase amount to a financial account held by the seller; and providing a payment acknowledgment to each of the buyer'"'"'s mobile telephone and the seller'"'"'s mobile telephone.
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Specification