Electronic identifier payment systems and methods

US7315843B2 · kind B2 · utility

Assignees

• The Western Union Company · US
• FIRST DATA CORPORATION · US

Inventors

• Keith W. Diveley · Highlands Ranch, US
• Kurt Hansen · Castle Rock, US

Key dates

• Filing date: Jun 30, 2006
• Grant date: Jan 1, 2008
• Expiry date: Jun 30, 2026

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F7/025
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A payment service method and system involve a payment service provider, a customer/payor and a consumer provider/payee. The customer/payor enrolls in the service and is provided a unique identifier that enables the customer to conduct transactions with the payment service provider. The customer/payor interfaces with the payment service provider through various forms of communication, and can facilitate payments to the consumer providers/payees through the payment service provider while remaining anonymous.