US5949044A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Method and apparatus for funds and credit line transfers
Assignee: PayPal Inc
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Filing: 1997-06-13
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Granted: 1999-09-07
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Expires: 2017-06-13
Abstract
Abstract A financial tender transfer system allows a transferor to transfer credit or make payment to a transferee by debiting the credit card of the transferor and crediting the credit card of the transferee. The financial tender transfer system gives the transferee immediate access to the transferred money and ensures the transferor's credit card is valid. Neither party needs to give their credit card number to the other, so security is preserved. Any amount of value up to the full credit line of the transferor can be transferred to the transferee.
Inventors
- 👤 Jay S. Walker
- 👤 Sanjay K. Jindal
- 👤 James A. Jorasch
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-26 11:16
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G07F7/0866; G06; G06Q; G06Q20/00; G06Q20/08; G06Q20/10; G06Q20/38; G06Q20/382; G06Q20/40; G06Q20/401; G06Q40/00
Claims Analysis
Total Claims: 48
Claim 1
Independent Claim
232 words
A system for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the system comprising: a central controller including: means for receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; means for generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; means for generating said encrypted code using at least a portion of said data; means for transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; means for receiving the encrypted code from the transferee; means for decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and means for transferring the financial tender value from the first credit card account to a credit card account owned b the transferee using the revealed data.
Claim 2
Independent Claim
232 words
A system for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the system comprising: a central controller including: means for receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; means for generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; means for generating said encrypted code using at least a portion of said data; means for transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; means for receiving the encrypted code from the transferee; means for decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and means for transferring the financial tender value from the first credit card account to a credit card account owned b the transferee using the revealed data.
Claim 3
Independent Claim
244 words
A system for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the system comprising: a central controller, including: means for receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner a time of the request, a date of the request and an expiration date of said first credit card account; means for generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; means for generating said encrypted code using at least said financial tender value and at least a portion of said data; means for transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; means for receiving the encrypted code from the transferee; means for decrypting the encrypted code, whereby said financial tender value and said portion of said data is revealed to process the request; and means for transferring the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 4
Independent Claim
244 words
A system for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the system comprising: a central controller, including: means for receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner a time of the request, a date of the request and an expiration date of said first credit card account; means for generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; means for generating said encrypted code using at least said financial tender value and at least a portion of said data; means for transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; means for receiving the encrypted code from the transferee; means for decrypting the encrypted code, whereby said financial tender value and said portion of said data is revealed to process the request; and means for transferring the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 5
Independent Claim
243 words
A system for providing a single-use identifier for transferring financial tender between separately assigned credit card accounts comprising: a central controller, including: means for receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner and an expiration date of said first credit card account; means for generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; means for receiving a request to generate said encrypted code; means for generating said encrypted code using at least one of a time corresponding to the request and a date corresponding to the request; means for transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; means for receiving the encrypted code from the transferee; means for decrypting the encrypted code, whereby said time corresponding to the request and said date corresponding to the request is revealed to process the request; and means for transferring the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 6
Independent Claim
243 words
A system for providing a single-use identifier for transferring financial tender between separately assigned credit card accounts comprising: a central controller, including: means for receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner and an expiration date of said first credit card account; means for generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; means for receiving a request to generate said encrypted code; means for generating said encrypted code using at least one of a time corresponding to the request and a date corresponding to the request; means for transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; means for receiving the encrypted code from the transferee; means for decrypting the encrypted code, whereby said time corresponding to the request and said date corresponding to the request is revealed to process the request; and means for transferring the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 7
Independent Claim
300 words
A system for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the system comprising: a central controller including: means for receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner a time of the request, a date of the request, and an expiration date of said first credit card account; means for receiving, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, the second account owner comprising a transferee; means for generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; means for generating said encrypted code using at least said portion of said second credit card account number and at least a portion of said data; means for transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to the transferee for the transferee to complete the transfer; means for receiving the encrypted code from the transferee; means for decrypting the encrypted code, whereby said portion of said second credit card account number and said portion of said data is revealed to process the request; and means for transferring the financial tender value from the first credit card account to the second credit card account using the revealed second credit card account number and said portion of said data.
Claim 8
Independent Claim
300 words
A system for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the system comprising: a central controller including: means for receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner a time of the request, a date of the request, and an expiration date of said first credit card account; means for receiving, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, the second account owner comprising a transferee; means for generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; means for generating said encrypted code using at least said portion of said second credit card account number and at least a portion of said data; means for transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to the transferee for the transferee to complete the transfer; means for receiving the encrypted code from the transferee; means for decrypting the encrypted code, whereby said portion of said second credit card account number and said portion of said data is revealed to process the request; and means for transferring the financial tender value from the first credit card account to the second credit card account using the revealed second credit card account number and said portion of said data.
Claim 9
Independent Claim
277 words
A system for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the system comprising: a central controller, including: means for receiving, from a first account owner, data corresponding to the first account owner, said first account owner comprising a transferor, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; means for receiving, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, said second account owner comprising a transferee; means for generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; means for generating said encrypted code from at least a portion of said data; means for transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to the transferee for the transferee to complete the transfer; means for receiving the encrypted code from the transferee; means for decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and means for transferring the financial tender value from the first credit card account to the second credit card account using the portion of said data.
Claim 10
Independent Claim
277 words
A system for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the system comprising: a central controller, including: means for receiving, from a first account owner, data corresponding to the first account owner, said first account owner comprising a transferor, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; means for receiving, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, said second account owner comprising a transferee; means for generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; means for generating said encrypted code from at least a portion of said data; means for transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to the transferee for the transferee to complete the transfer; means for receiving the encrypted code from the transferee; means for decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and means for transferring the financial tender value from the first credit card account to the second credit card account using the portion of said data.
Claim 11
Independent Claim
277 words
A system for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the system comprising: a central controller, including: means for receiving, from a first account owner, data corresponding to the first account owner, said first account owner comprising a transferee, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; means for receiving, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, said second account owner comprising a transferor; means for generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; means for generating said encrypted code from at least a portion of said data; means for transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to the transferor for the transferor to complete the transfer; means for receiving the encrypted code from the transferor; means for decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and means for transferring the financial tender value from the second credit card account to the first credit card account using the portion of said data.
Claim 12
Independent Claim
277 words
A system for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the system comprising: a central controller, including: means for receiving, from a first account owner, data corresponding to the first account owner, said first account owner comprising a transferee, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; means for receiving, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, said second account owner comprising a transferor; means for generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; means for generating said encrypted code from at least a portion of said data; means for transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to the transferor for the transferor to complete the transfer; means for receiving the encrypted code from the transferor; means for decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and means for transferring the financial tender value from the second credit card account to the first credit card account using the portion of said data.
Claim 13
Independent Claim
218 words
A method for providing a single-use identifier performed by a central controller in response to a request for transferring financial tender between separately assigned credit card accounts, comprising: receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; generating said encrypted code using at least a portion of said data; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to a transferee for transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and means for transferring the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 14
Independent Claim
218 words
A method for providing a single-use identifier performed by a central controller in response to a request for transferring financial tender between separately assigned credit card accounts, comprising: receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; generating said encrypted code using at least a portion of said data; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to a transferee for transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and means for transferring the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 15
Independent Claim
229 words
A method for providing a single-use identifier performed by a central controller in response to a request for transferring financial tender between separately assigned credit card accounts, comprising: receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner a time of the request, a date of the request and an expiration date of said first credit card account; generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; generating said encrypted code using at least said financial tender value and at least a portion of said data; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said financial tender value and said portion of said data is revealed to process the request; and transferring the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 16
Independent Claim
229 words
A method for providing a single-use identifier performed by a central controller in response to a request for transferring financial tender between separately assigned credit card accounts, comprising: receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner a time of the request, a date of the request and an expiration date of said first credit card account; generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; generating said encrypted code using at least said financial tender value and at least a portion of said data; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said financial tender value and said portion of said data is revealed to process the request; and transferring the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 17
Independent Claim
228 words
A method for providing a single-use identifier performed by a central controller for transferring financial tender between separately assigned credit card accounts comprising: receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner and an expiration date of said first credit card account; receiving a request to generate said encrypted code; generating said encrypted code using at least one of a time corresponding to the request and a date corresponding to the request; generating an identifier corresponding to said data, said identifier comprising said encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said time corresponding to the request and said date corresponding to the request is revealed to process the request; and transferring the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 18
Independent Claim
228 words
A method for providing a single-use identifier performed by a central controller for transferring financial tender between separately assigned credit card accounts comprising: receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner and an expiration date of said first credit card account; receiving a request to generate said encrypted code; generating said encrypted code using at least one of a time corresponding to the request and a date corresponding to the request; generating an identifier corresponding to said data, said identifier comprising said encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said time corresponding to the request and said date corresponding to the request is revealed to process the request; and transferring the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 19
Independent Claim
282 words
A method for providing a single use identifier performed by a central controller in response to a request for transferring financial tender between separately assigned credit card accounts, comprising: receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner a time of the request, a date of the request and an expiration date of said first credit card account; receiving, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, the second account owner comprising a transferee; generating an encrypted code using at least said portion of said second credit card account number and at least a portion of said data; generating an identifier corresponding to said data, said identifier comprising said encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to the transferee for the transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said portion of said second account number and said portion of said data is revealed to process the request; and transferring the financial tender value from the first credit card account to the second credit card account using the revealed second credit card account number and said portion of said data.
Claim 20
Independent Claim
282 words
A method for providing a single use identifier performed by a central controller in response to a request for transferring financial tender between separately assigned credit card accounts, comprising: receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner a time of the request, a date of the request and an expiration date of said first credit card account; receiving, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, the second account owner comprising a transferee; generating an encrypted code using at least said portion of said second credit card account number and at least a portion of said data; generating an identifier corresponding to said data, said identifier comprising said encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to the transferee for the transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said portion of said second account number and said portion of said data is revealed to process the request; and transferring the financial tender value from the first credit card account to the second credit card account using the revealed second credit card account number and said portion of said data.
Claim 21
Independent Claim
260 words
A method for providing a single-use identifier performed by a central controller in response to a request for transferring financial tender between separately assigned credit card accounts, comprising: receiving, from a first account owner, data corresponding to the first account owner, said first account owner comprising a transferor, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; receiving, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, said second account owner comprising a transferee; generating an identifier corresponding to said data, said identifier comprising an encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; generating said encrypted code from at least a portion of said data; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to the transferee for the transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and transferring the financial tender value from the first credit card account to the second credit card account using the portion of said data.
Claim 22
Independent Claim
260 words
A method for providing a single-use identifier performed by a central controller in response to a request for transferring financial tender between separately assigned credit card accounts, comprising: receiving, from a first account owner, data corresponding to the first account owner, said first account owner comprising a transferor, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; receiving, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, said second account owner comprising a transferee; generating an identifier corresponding to said data, said identifier comprising an encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; generating said encrypted code from at least a portion of said data; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to the transferee for the transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and transferring the financial tender value from the first credit card account to the second credit card account using the portion of said data.
Claim 23
Independent Claim
245 words
A method for providing a single-use identifier performed by a central controller for transferring financial tender between separately assigned credit card accounts comprising: receiving, from a first account owner, data corresponding to the first account owner, said first account owner comprising a transferee, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner and an expiration date of said first credit card account; receiving, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, said second account owner comprising a transferor; generating an identifier corresponding to said data, said identifier comprising an encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; generating said encrypted code from at least a portion of said data; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to the transferor for the transferor to complete the transfer; receiving the encrypted code from the transferor; decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and transferring the financial tender value from the second credit card account to the first credit card account using the portion of said data.
Claim 24
Independent Claim
245 words
A method for providing a single-use identifier performed by a central controller for transferring financial tender between separately assigned credit card accounts comprising: receiving, from a first account owner, data corresponding to the first account owner, said first account owner comprising a transferee, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner and an expiration date of said first credit card account; receiving, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, said second account owner comprising a transferor; generating an identifier corresponding to said data, said identifier comprising an encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; generating said encrypted code from at least a portion of said data; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to the transferor for the transferor to complete the transfer; receiving the encrypted code from the transferor; decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and transferring the financial tender value from the second credit card account to the first credit card account using the portion of said data.
Claim 25
Independent Claim
248 words
A device for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the device comprising: a central processor; and a memory connected to said central processor storing a program to control the operation of said central processor; said central processor operative with said program in said memory to: receive, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; generate an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; and generate said encrypted code using at least a portion of said data; transmit the encrypted code to the first account owner from said central processor, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; receive the encrypted code from the transferee; decrypt the encrypted code, whereby said portion of said data is revealed to process the request; and transfer the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 26
Independent Claim
248 words
A device for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the device comprising: a central processor; and a memory connected to said central processor storing a program to control the operation of said central processor; said central processor operative with said program in said memory to: receive, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; generate an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; and generate said encrypted code using at least a portion of said data; transmit the encrypted code to the first account owner from said central processor, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; receive the encrypted code from the transferee; decrypt the encrypted code, whereby said portion of said data is revealed to process the request; and transfer the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 27
Independent Claim
260 words
A device for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the device comprising: a central processor; and a memory connected to said central processor storing a program to control the operation of said central processor; said central processor operative with said program in said memory to: receive, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; and generate an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; generate said encrypted code using at least said financial tender value and at least a portion of said data; transmit the encrypted code to the first account owner from said central processor, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; receive the encrypted code from the transferee; decrypt the encrypted code, whereby said financial tender value and said portion of said data is revealed to process the request; and transfer the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 28
Independent Claim
260 words
A device for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the device comprising: a central processor; and a memory connected to said central processor storing a program to control the operation of said central processor; said central processor operative with said program in said memory to: receive, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; and generate an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; generate said encrypted code using at least said financial tender value and at least a portion of said data; transmit the encrypted code to the first account owner from said central processor, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; receive the encrypted code from the transferee; decrypt the encrypted code, whereby said financial tender value and said portion of said data is revealed to process the request; and transfer the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 29
Independent Claim
258 words
A device for providing a single-use identifier for transferring financial tender between separately assigned credit card accounts, the device comprising: a central processor; and a memory connected to said central processor storing a program to control the operation of said central processor; said central processor operative with said program in said memory to: receive, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner and an expiration date of said first credit card account; receive a request to generate an encrypted code; generate said encrypted code using at least one of a time corresponding to the request and a date corresponding to the request; generate an identifier corresponding to said data, said identifier comprising said encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; transmit the encrypted code to the first account owner from said central processor, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; receive the encrypted code from the transferee; decrypt the encrypted code, whereby said time corresponding to said request and said date corresponding to said request is revealed to process the request; and transfer the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 30
Independent Claim
258 words
A device for providing a single-use identifier for transferring financial tender between separately assigned credit card accounts, the device comprising: a central processor; and a memory connected to said central processor storing a program to control the operation of said central processor; said central processor operative with said program in said memory to: receive, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner and an expiration date of said first credit card account; receive a request to generate an encrypted code; generate said encrypted code using at least one of a time corresponding to the request and a date corresponding to the request; generate an identifier corresponding to said data, said identifier comprising said encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; transmit the encrypted code to the first account owner from said central processor, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; receive the encrypted code from the transferee; decrypt the encrypted code, whereby said time corresponding to said request and said date corresponding to said request is revealed to process the request; and transfer the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 31
Independent Claim
311 words
A device for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the device comprising: a central processor; and a memory connected to said central processor storing a program to control the operation of said central processor; said central processor operative with said program in said memory to: receive, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; receive, from the first account owner at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, the second account owner comprising a transferee; generate an encrypted code using at least said portion of said second credit card account number and at least a portion of said data; generate an identifier corresponding to said data, said identifier comprising said encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; transmit the encrypted code to the first account owner from said central processor, whereby the first account owner provides the encrypted code to the transferee for the transferee to complete the transfer; receive the encrypted code from the transferee; decrypt the encrypted code, whereby said portion of said second account number and said portion of said data is revealed to process the request; and transfer the financial tender value from the first credit card account to the second credit card account using the revealed second credit card account number and said portion of said data.
Claim 32
Independent Claim
311 words
A device for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the device comprising: a central processor; and a memory connected to said central processor storing a program to control the operation of said central processor; said central processor operative with said program in said memory to: receive, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; receive, from the first account owner at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, the second account owner comprising a transferee; generate an encrypted code using at least said portion of said second credit card account number and at least a portion of said data; generate an identifier corresponding to said data, said identifier comprising said encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; transmit the encrypted code to the first account owner from said central processor, whereby the first account owner provides the encrypted code to the transferee for the transferee to complete the transfer; receive the encrypted code from the transferee; decrypt the encrypted code, whereby said portion of said second account number and said portion of said data is revealed to process the request; and transfer the financial tender value from the first credit card account to the second credit card account using the revealed second credit card account number and said portion of said data.
Claim 33
Independent Claim
291 words
A device for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the device comprising: a central processor; and a memory connected to said central processor storing a program to control the operation of said central processor; said central processor operative with said program in said memory to: receive, from a first account owner, data corresponding to the first account owner, said first account owner comprising a transferor, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; receive, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, said second account owner comprising a transferee; and generate an identifier corresponding to said data, said identifier comprising an encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; generate said encrypted code from at least a portion of said data; transmit the encrypted code to the first account owner from said central processor, whereby the first account owner provides the encrypted code to the transferee for the transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and transferring the financial tender value from the first credit card account to the second credit card account using the portion of said data.
Claim 34
Independent Claim
291 words
A device for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the device comprising: a central processor; and a memory connected to said central processor storing a program to control the operation of said central processor; said central processor operative with said program in said memory to: receive, from a first account owner, data corresponding to the first account owner, said first account owner comprising a transferor, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; receive, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, said second account owner comprising a transferee; and generate an identifier corresponding to said data, said identifier comprising an encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; generate said encrypted code from at least a portion of said data; transmit the encrypted code to the first account owner from said central processor, whereby the first account owner provides the encrypted code to the transferee for the transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and transferring the financial tender value from the first credit card account to the second credit card account using the portion of said data.
Claim 35
Independent Claim
290 words
A device for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the device comprising: a central processor; and a memory connected to said central processor storing a program to control the operation of said central processor; said central processor operative with said program in said memory to: receive, from a first account owner, data corresponding to the first account owner, said first account owner comprising a transferee, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; receive, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, said second account owner comprising a transferor; generate an identifier corresponding to said data, said identifier comprising an encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; generate said encrypted code from at least a portion of said data; transmit the encrypted code to the first account owner from said central processor, whereby the first account owner provides the encrypted code to the transferor for the transferor to complete the transfer; receiving the encrypted code from the transferor; decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and transferring the financial tender value from the second credit card account to the first credit card account using the portion of said data.
Claim 36
Independent Claim
290 words
A device for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, the device comprising: a central processor; and a memory connected to said central processor storing a program to control the operation of said central processor; said central processor operative with said program in said memory to: receive, from a first account owner, data corresponding to the first account owner, said first account owner comprising a transferee, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; receive, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, said second account owner comprising a transferor; generate an identifier corresponding to said data, said identifier comprising an encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; generate said encrypted code from at least a portion of said data; transmit the encrypted code to the first account owner from said central processor, whereby the first account owner provides the encrypted code to the transferor for the transferor to complete the transfer; receiving the encrypted code from the transferor; decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and transferring the financial tender value from the second credit card account to the first credit card account using the portion of said data.
Claim 37
Dependent Claim
240 words
A computer-readable storage medium encoded with processing instructions for implementing a method performed by a central controller for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, said processing instructions for directing a computer to perform the steps of: receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; generating said encrypted code using at least a portion of said data; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and means for transferring the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 38
Dependent Claim
240 words
A computer-readable storage medium encoded with processing instructions for implementing a method performed by a central controller for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, said processing instructions for directing a computer to perform the steps of: receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; generating said encrypted code using at least a portion of said data; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and means for transferring the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 39
Dependent Claim
251 words
A computer-readable storage medium encoded with processing instructions for implementing a method performed by a central controller for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, said processing instructions for directing a computer to perform the steps of: receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner a time of the request, a date of the request and an expiration date of said first credit card account; and generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; generating said encrypted code using at least said financial tender value and at least a portion of said data; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said financial tender value and said portion of said data is revealed to process the requested; and transferring the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 40
Dependent Claim
251 words
A computer-readable storage medium encoded with processing instructions for implementing a method performed by a central controller for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, said processing instructions for directing a computer to perform the steps of: receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner a time of the request, a date of the request and an expiration date of said first credit card account; and generating an identifier corresponding to said data, said identifier for use in transferring a financial tender value comprising a financial tender amount, said identifier comprising an encrypted code; generating said encrypted code using at least said financial tender value and at least a portion of said data; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said financial tender value and said portion of said data is revealed to process the requested; and transferring the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 41
Dependent Claim
249 words
A computer-readable storage medium encoded with processing instructions for implementing a method performed by a central controller for providing a single-use identifier for transferring financial tender between separately assigned credit card accounts, said processing instructions for directing a computer to perform the steps of: receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner and an expiration date of said first credit card account; receiving a request to generate an encrypted code; generating said encrypted code using at least one of a time corresponding to the request and a date corresponding to the request; generating an identifier corresponding to said data, said identifier comprising said encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said time corresponding to said request and said date corresponding to said request is revealed to process the request; and transferring the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 42
Dependent Claim
249 words
A computer-readable storage medium encoded with processing instructions for implementing a method performed by a central controller for providing a single-use identifier for transferring financial tender between separately assigned credit card accounts, said processing instructions for directing a computer to perform the steps of: receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner and an expiration date of said first credit card account; receiving a request to generate an encrypted code; generating said encrypted code using at least one of a time corresponding to the request and a date corresponding to the request; generating an identifier corresponding to said data, said identifier comprising said encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to a transferee for the transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said time corresponding to said request and said date corresponding to said request is revealed to process the request; and transferring the financial tender value from the first credit card account to a credit card account owned by the transferee using the revealed data.
Claim 43
Dependent Claim
304 words
A computer-readable storage medium encoded with processing instructions for implementing a method performed by a central controller for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, said processing instructions for directing a computer to perform the steps of: receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; receiving, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, the second account owner comprising a transferee; generating an encrypted code using at least said portion of said second credit card account number and at least a portion of said data; generating an identifier corresponding to said data, said identifier comprising said encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to the transferee for the transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said portion of said second credit card account number and said portion of said data is revealed to process the request; and transferring the financial tender value from the first credit card account to the second credit card account using the revealed second credit card account number and said portion of said data.
Claim 44
Dependent Claim
304 words
A computer-readable storage medium encoded with processing instructions for implementing a method performed by a central controller for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, said processing instructions for directing a computer to perform the steps of: receiving, from a first account owner, data corresponding to the first account owner, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a time of the request, a date of the request and an expiration date of said first credit card account; receiving, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, the second account owner comprising a transferee; generating an encrypted code using at least said portion of said second credit card account number and at least a portion of said data; generating an identifier corresponding to said data, said identifier comprising said encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to the transferee for the transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said portion of said second credit card account number and said portion of said data is revealed to process the request; and transferring the financial tender value from the first credit card account to the second credit card account using the revealed second credit card account number and said portion of said data.
Claim 45
Dependent Claim
281 words
A computer-readable storage medium encoded with processing instructions for implementing a method performed by a central controller for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, said processing instructions for directing a computer to perform the steps of: receiving, from a first account owner, data corresponding to the first account owner, said first account owner comprising a transferor, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a date of the request, a time of the request and an expiration date of said first credit card account; receiving, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, said second account owner comprising a transferee; generating an identifier corresponding to said data, said identifier comprising an encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; generating said encrypted code from at least a portion of said data; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to the transferee for the transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and transferring the financial tender value from the first credit card account to the second credit card account using the portion of said data.
Claim 46
Dependent Claim
281 words
A computer-readable storage medium encoded with processing instructions for implementing a method performed by a central controller for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, said processing instructions for directing a computer to perform the steps of: receiving, from a first account owner, data corresponding to the first account owner, said first account owner comprising a transferor, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner, a date of the request, a time of the request and an expiration date of said first credit card account; receiving, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, said second account owner comprising a transferee; generating an identifier corresponding to said data, said identifier comprising an encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount; generating said encrypted code from at least a portion of said data; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to the transferee for the transferee to complete the transfer; receiving the encrypted code from the transferee; decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and transferring the financial tender value from the first credit card account to the second credit card account using the portion of said data.
Claim 47
Dependent Claim
281 words
A computer-readable storage medium encoded with processing instructions for implementing a method performed by a central controller for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, said processing instructions for directing a computer to perform the steps of: receiving, from a first account owner, data corresponding to the first account owner, said first account owner comprising a transferee, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner a time of the request, a date of the request and an expiration date of said first credit card account; receiving, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, said second account owner comprising a transferor; generating an identifier corresponding to said data, said identifier comprising an encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount generating said encrypted code from at least a portion of said data; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to the transferor for the transferor to complete the transfer; receiving the encrypted code from the transferor; decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and transferring the financial tender value from the second credit card account to the first credit card account using the portion of said data.
Claim 48
Dependent Claim
281 words
A computer-readable storage medium encoded with processing instructions for implementing a method performed by a central controller for providing a single-use identifier in response to a request for transferring financial tender between separately assigned credit card accounts, said processing instructions for directing a computer to perform the steps of: receiving, from a first account owner, data corresponding to the first account owner, said first account owner comprising a transferee, said data comprising at least one of a name of the first account owner, a portion of a first credit card account number corresponding to a first credit card account assigned to said first account owner a time of the request, a date of the request and an expiration date of said first credit card account; receiving, from the first account owner, at least a portion of a second credit card account number corresponding to a second credit card account assigned to a second account owner, said second account owner comprising a transferor; generating an identifier corresponding to said data, said identifier comprising an encrypted code, said identifier for use in transferring a financial tender value comprising a financial tender amount generating said encrypted code from at least a portion of said data; transmitting the encrypted code to the first account owner from said central controller, whereby the first account owner provides the encrypted code to the transferor for the transferor to complete the transfer; receiving the encrypted code from the transferor; decrypting the encrypted code, whereby said portion of said data is revealed to process the request; and transferring the financial tender value from the second credit card account to the first credit card account using the portion of said data.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2002-09-06 | 2003-03-08 | 2003-09-07 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2006-09-06 | 2007-03-08 | 2007-09-07 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2010-09-06 | 2011-03-08 | 2011-09-07 | $7700.00 | Window Closed / Lapsed |