Effecting financial transactions
US8010451B1 · kind B1 · utility
Assignee
Inventor
Key dates
| Filing date | Mar 23, 2010 |
| Grant date | Aug 30, 2011 |
| Priority date | — |
| Expiry date | Mar 23, 2030 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/00
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A financial account that represents value is maintained on behalf of an account holder. The financial account has a plurality of account identifiers that enable a party that presents a debit account identifier to effect a debit transaction in the account, or a party that presents a general account identifier to effect both debit and credit transactions in the account. A third party is permitted to effect a credit transaction in the account by presenting a credit identifier, which is an identifier different from the debit or general account identifiers. The credit identifier is insufficient to enable a third party to effect a debit transaction in the account.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.