G - Physics – 06 – Q
Patent
G - Physics
06
Q
G06Q 20/10 (2012.01) G06Q 20/02 (2012.01) G06Q 20/40 (2012.01) G06F 21/00 (2006.01)
Patent
CA 2332656
A person-to-person (P2P) payment platform and identity management system which facilitates online banking by allowing consumers to send money to and receive money by email address, in real-time, with no special registration requirement outside of the consumers' existing banking relationship, and under the security, brand and control of their own respective banks. A central clearing facility (CCF) coordinates and manages payments for consumers through partner financial institutions. Customers email payments from within their online banking accounts, without setting up separate accounts profiles and passwords. The CCF is invisible, and allows the customer to access the online banking service; select a recipient from a list of past payees or enter a new recipient; specify a payment amount, an expiry date and the account from which to draw the funds, and optionally write a personalized message; and receive immediate confirmation of the transaction, following which an email message is sent to the recipient advising of payment with links to various methods of collection, and receive an email message confirmation when the recipient accepts the payment.
Certapay Inc.
Dimock Stratton Llp
LandOfFree
Online payment transfer and identity management system and... does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with Online payment transfer and identity management system and..., we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Online payment transfer and identity management system and... will most certainly appreciate the feedback.
Profile ID: LFCA-PAI-O-1353821