Sabrina H Ko

US Patent:

20030222136, Dec 4, 2003

Filed:

May 31, 2002

Appl. No.:

10/159784

Inventors:

Elaine Bolle - San Francisco CA, US
Maria Martinez - Concord CA, US
Mahala Johnson - Vallejo CA, US
Sabrina Ko - Castro Valley CA, US
Susan Milberger - Englewood CO, US
Jackie MacFarlane - Parker CO, US
Amy Dunker - Dallas TX, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06F017/60

US Classification:

235/379000

Abstract:

According to the invention, a method for funding an account with an online money transfer system using a wide area network, where the account cannot be used for purchases outside a closed purchasing community, is disclosed. In one step, information about a money handler is accepted at the online money transfer system and over the wide area network. The information includes an amount of funds, a bank routing number, a bank account number and a unique identifier. The unique identifier discriminates a buyer from other buyers in the closed purchasing community. The amount of funds is drawn with the money handler from a bank account indicated by the routing number and the bank account number. Funds are transferred to the account for benefit of the buyer indicated by the unique identifier. The funds cannot be used outside the closed purchasing community while in the account.

US Patent:

20070083477, Apr 12, 2007

Filed:

Dec 14, 2006

Appl. No.:

11/611000

Inventors:

Elaine Bolle - San Francisco CA, US
Maria Martinez - Concord CA, US
Mahala Johnson - Vallejo CA, US
Sabrina Ko - Castro Valley CA, US
Susan Milberger - Englewood CO, US
Jackie MacFarlane - Parker CO, US
Amy Dunker - Dallas TX, US

Assignee:

First Data Corporation - Englewood CO

International Classification:

G06Q 99/00
H04L 9/00
H04K 1/00

US Classification:

705065000

Abstract:

According to the invention, a method for funding an account with an online money transfer system using a wide area network, where the account cannot be used for purchases outside a closed purchasing community, is disclosed. In one step, information about a money handler is accepted at the online money transfer system and over the wide area network. The information includes an amount of funds, a bank routing number,a bank account number and a unique identifier. The unique identifier discriminates a buyer from other buyers in the closed purchasing community. The amount of funds is drawn with the money handler from a bank account indicated by the routing number and the bank account number. Funds are transferred to the account for benefit of the buyer indicated by the unique identifier. The funds cannot be used outside the closed purchasing community while in the account.