System and Method for Authorizing Transactions Via Mobile Devices
First Claim
1. A system for authorizing transfers via mobile devices, comprising:
- a first mobile device executing a transfer authorization application, said transfer authorization application allowing a user to enter transfer information for a transfer and, in response, generating and communicating a transfer request for said transfer, said transfer information including an identifier associated with a recipient and a transfer amount; and
a server having a data store storing account details for a first account of said user, said server receiving said transfer request from said mobile device, verifying that said user has resources in said first account for said transfer request, sending a notification to a second mobile device associated with said identifier of said recipient and transferring said transfer value from said first account to a second account of said recipient.
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Accused Products
Abstract
A system and method for authorizing transfers via mobile devices are provided. The system includes a first mobile device and a server. The first mobile device executes a transfer authorization application that allows a user to enter transfer information for a transfer. In response, the transfer authorization application generates and communicates a transfer request for the transfer. The transfer information includes an identifier associated with a recipient and a transfer amount. The server has a data store storing account details for a first account of the user. The server receives the transfer request from the mobile device, verifies that the user has resources in the first account for the transfer request, and sends a notification to a second mobile device associated with the identifier of the recipient. The server then transfers the transfer value from the first account to a second account of the recipient.
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Citations
19 Claims
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1. A system for authorizing transfers via mobile devices, comprising:
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a first mobile device executing a transfer authorization application, said transfer authorization application allowing a user to enter transfer information for a transfer and, in response, generating and communicating a transfer request for said transfer, said transfer information including an identifier associated with a recipient and a transfer amount; and a server having a data store storing account details for a first account of said user, said server receiving said transfer request from said mobile device, verifying that said user has resources in said first account for said transfer request, sending a notification to a second mobile device associated with said identifier of said recipient and transferring said transfer value from said first account to a second account of said recipient. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method for authorizing transfers via mobile devices using a server, comprising:
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receiving from a first mobile device registered to a transferor a transfer request specifying a transfer value and a recipient identifier associated with a recipient for a transfer; confirming that said transferor has resources in a first account for said transfer; and transferring said transfer value from said first account to a second account of said recipient. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18, 19)
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Specification