AUTOMATED TRANSFER WITH STORED VALUE FUND
First Claim
1. A method for transferring credit from a sender to a plurality of recipients using a wide-area computer network, the method comprising:
- receiving at a server computer system information from the sender to transfer credit to the plurality of recipients, wherein the information includes a unique identifier for each of the plurality of recipients and a credit amount;
determining a first handler chosen by the sender;
requesting credit transfer from the first handler;
receiving at the server computer system the credit amount from the first handler;
determining a second handler chosen by one of the plurality of recipients; and
sending the credit amount to the second handler associated with the one.
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Accused Products
Abstract
According to the invention, a method for automatically transferring credit between a stored value fund and a handler using a wide-area computer network is disclosed. In one step, automated transfer information is received at a server computer system from the wide-area computer network that is coupled to a user associated with the stored value fund. The handler chosen by a user for an automated transfer, the direction of the automated transfer with respect to the stored value fund and an amount for the automated transfer are determined. The amount is automatically transferred between the stored value fund and the handler.
110 Citations
21 Claims
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1. A method for transferring credit from a sender to a plurality of recipients using a wide-area computer network, the method comprising:
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receiving at a server computer system information from the sender to transfer credit to the plurality of recipients, wherein the information includes a unique identifier for each of the plurality of recipients and a credit amount; determining a first handler chosen by the sender; requesting credit transfer from the first handler; receiving at the server computer system the credit amount from the first handler; determining a second handler chosen by one of the plurality of recipients; and sending the credit amount to the second handler associated with the one. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A computer data signal embodied in a carrier wave for facilitating a credit transfer from a sender to a plurality of recipients, comprising:
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a receiver code segment comprising a plurality of unique identifiers that correspond to the plurality of recipients; and an amount code segment comprising at least one credit amount for one of the plurality of recipients, wherein the computer data signal causes the transfer of a credit from the sender to a plurality of handlers respectively chosen by the plurality of recipients.
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19. The computer data signal embodied in the carrier wave for facilitating the credit transfer from a sender to the plurality of recipients as recited in claim 28, wherein the amount code segment comprises a plurality of credit amounts corresponding to the plurality of recipients, and wherein at least two of the plurality of credit amounts are different.
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20. The computer data signal embodied in the carrier wave for facilitating the credit transfer from a sender to the plurality of recipients as recited in claim 28, wherein the unique identifiers correspond to an electronic messaging address for the each of the plurality of recipients.
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21. The computer data signal embodied in the carrier wave for facilitating the credit transfer from a sender to the plurality of recipients as recited in claim 28, further comprising a name code segment comprising a first and last names for each of the plurality of recipients.
Specification