Integrated technology money transfer system

CAFC
  • US 8,321,347 B2
  • Filed: 02/14/2012
  • Issued: 11/27/2012
  • Est. Priority Date: 09/26/2000
  • Status: Expired due to Fees
First Claim
Patent Images

1. A consumer accessible and operable computer machine automated funds transfer system configured to provide an I.V.R. (Interactive Voice Response) series of automated sequential communications and automated processes for transferring funds from a human person'"'"'s sending debit account to a human person'"'"'s receiving debit account, the system comprising:

  • a consumer accessible and consumer operable automated fund transfer computer machine I.V.R. system;

    wherein the computer machine system'"'"'s processes are configured to being accessible to and operable by a consumer sender'"'"'s phone;

    wherein the computer machine'"'"'s system performs an automated series of sequential communications and processes to implement an automated consumer to consumer debit account to debit account funds transfer;

    wherein the computer system conveys automated prompts to senders that have accessed the system'"'"'s computer and are remotely operating the funds transfer system; and

    , wherein the prompts solicit responses for a sender to provide a sending debit account'"'"'s identification information data and the amount of funds to be transferred data and a receiving debit account'"'"'s identification information data; and

    , wherein the computer system receives responses from the sender which provide a sending debit account'"'"'s identification information data and the amount of funds to be transferred data and a receiving debit account'"'"'s identification information data; and

    , wherein the computer system utilizes an adaptor to transform the data received into a different data language for processing the data; and

    , wherein the computer system processes and conveys data; and

    , wherein the computer system'"'"'s data processing, communication sequences and account links withdraw funds from an account for a sending debit account and transfer funds to an account for a receiving debit account; and

    , wherein the computer system'"'"'s sequences transfer funds to a receiving debit account without the necessity of a pre-existing account link connecting the account for the particular sending debit account and the account for the particular receiving debit account prior to the sender'"'"'s accessing and operating the computer system'"'"'s processes; and

    , wherein the computer system simultaneously receives and processes multiple communications and virtually simultaneously transfers funds from multiple accounts for different sending debit accounts to multiple accounts for different receiving debit accounts.

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