Payment transfer by sending E-mail
US9378491B1 · kind B1 · utility
Assignee
Inventors
Key dates
| Filing date | Apr 4, 2014 |
| Grant date | Jun 28, 2016 |
| Priority date | — |
| Expiry date | Apr 4, 2034 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/00
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Described is a technology for seamless initiation of a transfer of payment from a sender to a recipient by sending email, without requiring any account creation and/or login procedure. The technology can involve sending payment from one mobile device to another. In one aspect, the technology includes receiving a payment amount from a sender via the sender's mobile device, causing an email with pre-populated information to be generated using a native email application on the mobile device, and initiating the process to transfer the payment amount upon sending of the email. The technology enables a simplified payment transaction system for ordinary consumers without the hassle of having to sign up, to remember a user account and a password, and to login for sending or receiving every payment transaction, while not sacrificing the essential security feature of authenticating the user for every payment transaction.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.