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Wide area network person-to-person payment

  • US 8,024,229 B2
  • Filed: 09/30/2008
  • Issued: 09/20/2011
  • Est. Priority Date: 07/11/2000
  • Status: Expired due to Fees
First Claim
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1. A computer-implementable method for providing a money request service through a computer server of a computer network, comprising steps of:

  • maintaining a database of e-mail addresses corresponding to individuals having accounts that provide the individuals with functionality offered by the computer server for online management of financial transactions;

    receiving from a first individual located at a remote computer an e-mail address of a second individual from whom the first individual wants to request an amount of money;

    searching the database of e-mail addresses for the e-mail address of the second individual;

    sending an e-mail to the e-mail address of the second individual, to notify the second individual that the first individual is requesting the amount of money, wherein the e-mail, includes a link to the computer server, and wherein if the e-mail address of the second individual is not found in the database of e-mail addresses, then the e-mail further invites the second individual to register for an account with the computer server in order to pay the first individual the amount of money;

    receiving authorization from the second individual to pay the amount of money to the first individual; and

    completing a payment of the amount of money from the second individual to the first individual.

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