Electronic Fund Transfers Using an Electronic Mail Interface

• US 20090006233A1
• Filed: 03/28/2008
• Published: 01/01/2009
• Est. Priority Date: 03/30/2007
• Status: Abandoned Application

• Current Assignee: Roland Chemtob
• Original Assignee: Roland Chemtob
• Inventors: Chemtob, Roland
• Application Number:
  US12/058,305
• Publication Number:
  US 20090006233A1
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/023 the neutral party being a clearing house
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A system and a method are disclosed for using an electronic mail (e-mail) interface to initiate and configure an electronic fund transfer. A fund transfer module is operatively interfaced with an e-mail module, allowing the fund transfer module and e-mail module to communicate data between each other. Responsive to the e-mail module receiving a generation input, data describing a fund transfer is received. The generation input can be s a user request or a receive e-mail including a request for payment. A representation of the fund transfer is generated from the received data and displayed by the e-mail module. For example, the fund transfer is displayed in a format replicating the appearance of a paper check. Responsive to the e-mail module receiving a user confirmation input that the representation of the fund transfer is accurate, an electronic transfer packet including the data describing the fund transfer is generated.

Claims

1. A computer-implemented method for electronically transferring funds comprising:

operatively interfacing a fund transfer module with an electronic mail (e-mail) module;

responsive to a generation input to the e-mail module, receiving data describing a fund transfer;

displaying a representation of the fund transfer from the received data describing the fund transfer using the e-mail module;

responsive to a user confirmation input to the e-mail module, generating an electronic transfer packet including the data describing the fund transfer.

2. The method of claim 1, further comprising:

transmitting the electronic transfer packet to a fund transfer server.

3. The method of claim 1, wherein the representation of the fund transfer comprises a graphical representation of a check showing the data describing the fund transfer.

4. The method of claim 1, wherein the data describing the fund transfer comprises a financial account number, a transfer amount, a transfer recipient and a transfer date.

5. The method of claim 1, wherein the generation input to the e-mail module comprises a user input.

6. The method of claim 1, wherein the generation input to the e-mail module comprises an e-mail including a request for payment.

7. The method of claim 1, wherein the generation input to the e-mail module comprises an e-mail attachment including a request for payment.

9. The method of claim 1, wherein the fund transfer module operatively interfaces with the e-mail module via a plug-in module.

10. A computer-readable storage medium storing a computer program executable by a processor, the computer program implementing a method for electronically transferring funds comprising:

operatively interfacing a fund transfer module with an electronic mail (e-mail) module;

responsive to a generation input to the e-mail module, receiving data describing a fund transfer;

displaying a representation of the fund transfer using the e-mail module;

responsive to a user confirmation input to the e-mail module, generating an electronic transfer packet including data describing the fund transfer.

11. The computer-readable storage medium of claim 10, wherein the method further comprises:

transmitting the electronic transfer packet to a fund transfer server.

13. The computer-readable storage medium of claim 10, wherein the data describing the fund transfer comprises a financial account number, a transfer amount, a transfer recipient and a transfer date.

14. The computer-readable storage medium of claim 10, wherein the generation input to the e-mail module comprises a user input.

15. The computer-readable storage medium of claim 10, wherein the generation input to the e-mail module comprises an e-mail including a request for payment.

16. The computer-readable storage medium of claim 10, wherein the generation input to the e-mail module comprises an e-mail attachment including a request for payment.

12. The computer-readable storage medium of claim 8, wherein the representation of the fund transfer comprises a graphical representation of a check showing the data describing the fund transfer.