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PERSON-TO-PERSON ELECTRONIC PAYMENT PROCESSING

  • US 20140337235A1
  • Filed: 05/08/2014
  • Published: 11/13/2014
  • Est. Priority Date: 05/08/2013
  • Status: Abandoned Application
First Claim
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1. A method of person-to-person anonymous electronic payment processing, the method comprising:

  • receiving, by a payment processing server, and from a payor payment device, a payment initiation request for a payment from a payor account, the payment initiation request identifying a payment amount of the payment and excluding particulars of the payee and particulars of a payee account;

    receiving, by the payment processing server, and from a payee payment device, a payment completion request requesting completion of the payment, the payment completion request including a payee identifier and excluding the payment amount, the payor account, and particulars of the payor;

    confirming, by the payment processing server, that the payment completion request is uniquely associated with the payee payment device and the payee identifier, and determining, by the payment processing server, the payment amount, the payor account and the payee account from the payment completion request, the payment processing server determining the payment amount and the payor account by correlating the payment completion request with the payment initiation request; and

    in accordance with an outcome of the confirming, effecting, by the payment processing server, a transfer in the payment amount from the payor account to the payee account.

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