The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Aug. 25, 2009
Filed:
Apr. 16, 2004
Steven L. Vanfleet, Southport, CT (US);
Blake Benton, Omaha, NE (US);
Matthew T. Byrne, Papillion, NE (US);
Timothy Horton, Papillion, NE (US);
John J. Mascavage, Iii, Bellevue, WA (US);
Cassandra J. Mollett, Scottsdale, AZ (US);
Susan M. Nelson, Omaha, NE (US);
Suzanne Rogers, Elkhorn, NE (US);
Rhonda D. Sargent, Cumming, GA (US);
Martin Stivers, Glenwood, IA (US);
Gary J. Trainor, Duluth, GA (US);
Margaret Weichert, Charlotte, NC (US);
Diane Wing, East Lansing, MI (US);
Steven L. VanFleet, Southport, CT (US);
Blake Benton, Omaha, NE (US);
Matthew T. Byrne, Papillion, NE (US);
Timothy Horton, Papillion, NE (US);
John J. Mascavage, III, Bellevue, WA (US);
Cassandra J. Mollett, Scottsdale, AZ (US);
Susan M. Nelson, Omaha, NE (US);
SuZanne Rogers, Elkhorn, NE (US);
Rhonda D. Sargent, Cumming, GA (US);
Martin Stivers, Glenwood, IA (US);
Gary J. Trainor, Duluth, GA (US);
Margaret Weichert, Charlotte, NC (US);
Diane Wing, East Lansing, MI (US);
First Data Corporation, Greenwood Village, CO (US);
Abstract
Methods and systems coordinate an Internet-based financial transaction between an Internet merchant and a customer. A first information packet is received with a payment network from the Internet merchant. The first information packet has a credential assigned to the customer and transaction information specifying at least a cost of the Internet-based financial transaction. With the payment network, account information is determined that identifies a financial account maintained by the customer at a financial institution and authorization information that allows debit access to the identified financial account. A second information packet that includes the transaction information, the account information, and the authorization information is generated with the payment network. The second information packet is transmitted with the payment network to the financial institution with a request to perform a debit transaction from the identified financial account for the specified cost of the Internet-based financial transaction.