Secure, closed-loop electronic transfer of money
US8423458B2 · kind B2 · utility
Assignee
Inventor
Key dates
| Filing date | May 13, 2011 |
| Grant date | Apr 16, 2013 |
| Priority date | — |
| Expiry date | May 13, 2031 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/04
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A method of providing for a money transfer over a network includes the steps of: providing a stamp having a face value and a lifespan both indicated on the stamp, the stamp being a string that is a concatenation of two or more fields including the face value and the lifespan, with at least one of the fields calculated according to a prescription involving a hashing or encryption of a concatenation of others of the fields or of some other field not part of the stamp; affixing the stamp to an e-mail; and allowing the recipient of the e-mail to obtain value for the stamp if the stamp is presented to a predetermined entity (such as a stamp issuer) for the stamp value within the lifespan indicated on the stamp. The stamp may comprise a concatenation of a set of fields, including a lifespan, a stamp value; and hash/encryption.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.