发明申请
- 专利标题: MONEY TRANSFER SERVICE WITH AUTHENTICATION
- 专利标题(中): 带有认证的金钱转账服务
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申请号: US13204904申请日: 2011-08-08
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公开(公告)号: US20120066124A1公开(公告)日: 2012-03-15
- 发明人: Vikram Modi
- 申请人: Vikram Modi
- 申请人地址: US CA Foster City
- 专利权人: Visa International Service Association
- 当前专利权人: Visa International Service Association
- 当前专利权人地址: US CA Foster City
- 主分类号: G06Q40/02
- IPC分类号: G06Q40/02
摘要:
A bank (or merchant) hosts and operates an online money transfer service (or “portal”). A sender logs into the portal and enters payment card and money transfer details and then submits the transaction. An authentication window appears displaying the sender's transaction details and the sender is prompted to enter his or her password. Upon successful authentication, the bank seeks authorization from the card issuer. Upon successful authorization, the bank credits the recipient's local bank account or existing payment card. The recipient can also receive a check, a draft, a prepaid card or cash. The money transfer service is used both cross-border and domestic to effect person-to-person money transfer. The money transfer service uses the “Verified by Visa” authentication service and VisaNet for authorization. Messages over VisaNet are used to deliver funds to a recipient.
公开/授权文献
- US08851366B2 Money transfer service with authentication 公开/授权日:2014-10-07