Paypal, Inc.

America Online, Inc.

Scott Alan Banister

Luke Paul Nosek

Max Levchin

Peter Thiel

Wendell D Brown

A system and method for facilitating a value exchange transaction. A first party initiates the transaction by selecting or providing an identifier of another party and the value to be exchanged. The second party may be identified by a pre-existing identifier such as an electronic mail address, telephone number, etc. The system informs the second party of the transaction (e.g., using the specified pre-existing identifier). If the second party is not a registered user of the system, he or she is invited to register and complete the transaction. The system may comprise a synchronization server for exchanging transaction details with users' devices, a communication server for registering new users and/or conducting transactions online and a financial server for interacting with external financial institutions.

System and methods for facilitating value exchanges using mobile devices

System and method for electronically exchanging value among distributed users

A system and method are provided for converting a textual portion of an electronic mail message into audio and delivering the audio through a telephone call to a recipient. An electronic mail server is configured to receive a mail message and parse an address to retrieve a telephone number included in or associated with said address. One or more textual portions of the mail message are converted to audio by a text-to-audio converter and combined into an audio message. The audio message may include an identifier of a sender or originator of the mail message, a subject of the mail message, text included in the body of the mail message, etc. An audio attachment included with the mail message may be included in the audio message. A call processor establishes a telephonic connection with the recipient, plays the audio message and may record a response from the recipient. If a response is provided, it is relayed back to the originator of the mail message. The recipient may be able to specify circumstances (.g., time of day, different telephone number) or criteria (e.g., originator identity, size of mail message) under which the recipient will or will not accept telephone delivery of audio forms of electronic mail messages. The system may apply a set of rules to ensure that audio forms of mail messages are limited, or not sent at all, to emergency numbers, directory assistance, toll-free numbers, etc.

System and method for converting electronic mail text to audio for telephonic delivery

Growing community of inventors

Menlo Park, CA, United States of America

Scott Alan Banister