MOBILE TRANSACTIONS USING ACCOUNT ALIASES
First Claim
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1. An apparatus comprising:
- at least one communication interface configured to receive a payment request from a mobile phone, wherein the payment request comprises an alias, and wherein the alias is not a financial account number;
at least one processor communicably coupled to the at least one communication interface; and
at least one memory communicably coupled to the at least one processor and having stored thereon executable instructions that, when executed by the at least one processor, cause the apparatus to;
identify a payment recipient'"'"'s financial account based at least partially on the alias; and
transfer funds to the payment recipient'"'"'s financial account.
1 Assignment
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Accused Products
Abstract
Embodiments of the invention provide systems and methods for providing a mobile device user with the ability to user their mobile devices to make payments to others without knowing the payment recipient'"'"'s account number. For example, an embodiment of the includes: (1) receiving a payment request from a mobile phone, such as through a text message, where the payment request includes an alias, and where the alias is not a financial account number; (2) identifying a payment recipient'"'"'s financial account based at least partially on the alias; and (3) transferring funds to the payment recipient'"'"'s financial account.
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Citations
55 Claims
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1. An apparatus comprising:
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at least one communication interface configured to receive a payment request from a mobile phone, wherein the payment request comprises an alias, and wherein the alias is not a financial account number; at least one processor communicably coupled to the at least one communication interface; and at least one memory communicably coupled to the at least one processor and having stored thereon executable instructions that, when executed by the at least one processor, cause the apparatus to; identify a payment recipient'"'"'s financial account based at least partially on the alias; and transfer funds to the payment recipient'"'"'s financial account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A method comprising:
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receiving a payment request from a mobile phone, wherein the payment request comprises an alias, and wherein the alias is not a financial account number; identifying a payment recipient'"'"'s financial account based at least partially on the alias; and transferring funds to the payment recipient'"'"'s financial account. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32)
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33. A computer readable medium having computer executable instructions stored therein, wherein the computer executable instructions comprise:
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instructions operable to receive a payment request from a mobile phone, wherein the payment request comprises an alias, and wherein the alias is not a financial account number; instructions operable to identify a payment recipient'"'"'s financial account based at least partially on the alias; and instructions operable to transfer funds to the payment recipient'"'"'s financial account. - View Dependent Claims (34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46)
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47. A mobile device comprising:
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at least one communication interface configured to communicate with other devices over a wireless network; at least one processor communicably coupled to the at least one communication interface; and at least one memory communicably coupled to the at least one processor and having stored thereon a mobile banking application, the mobile banking application comprising executable instructions that, when executed by the at least one processor, cause the apparatus to; prompt a user of the mobile device to enter information about a payment request including a prompt to the user to enter an alias associated with a payment recipient, wherein the alias is not a financial account number; and use the communication interface to communicate the alias to another device on the wireless network in order to initiate a transfer of funds from an account associated with the user of the mobile device to an account associated with the alias. - View Dependent Claims (48, 49, 50, 51)
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52. A non-transitory computer readable medium comprising a mobile banking application stored therein, the mobile banking application comprising computer executable instructions configured to be executed by a processor of a mobile phone, the computer executable instructions comprising:
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instructions operable to prompt a user of a mobile phone to enter information about a payment request including instructions operable to prompt the user to enter an alias associated with a payment recipient, wherein the alias is not a financial account number; and instructions operable to use the mobile phone to communicate the alias to another device via a wireless network in order to initiate a transfer of funds from an account associated with the user of the mobile device to an account associated with the alias. - View Dependent Claims (53, 54, 55)
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Specification