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.

Date of Patent:
Apr. 07, 2015

Filed:

Mar. 03, 2014
Applicant:

Inventor Holdings, Llc, Stamford, CT (US);

Inventors:

Jay S. Walker, Ridgefield, CT (US);

Daniel E. Tedesco, Shelton, CT (US);

Andrew S. Van Luchene, Santa Fe, NM (US);

James A. Jorasch, New York, NY (US);

Assignee:

Inventor Holdings, LLC, Stamford, CT (US);

Attorneys:
Primary Examiner:
Int. Cl.
CPC ...
H04M 11/00 (2006.01); G06Q 20/40 (2012.01); G06Q 20/04 (2012.01); G06Q 20/12 (2012.01); G06Q 20/38 (2012.01); G06Q 20/42 (2012.01); G06Q 30/02 (2012.01); G06Q 40/00 (2012.01); G07F 7/08 (2006.01); H04L 29/06 (2006.01); H04L 29/08 (2006.01); G06Q 20/02 (2012.01); G06Q 20/16 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/401 (2013.01); G06Q 20/04 (2013.01); G06Q 20/12 (2013.01); G06Q 20/385 (2013.01); G06Q 20/4037 (2013.01); G06Q 20/425 (2013.01); G06Q 30/0284 (2013.01); G06Q 40/00 (2013.01); G07F 7/08 (2013.01); H04L 29/06 (2013.01); H04L 67/14 (2013.01); G06Q 40/12 (2013.01); G06Q 20/02 (2013.01); G06Q 20/16 (2013.01); G06Q 20/409 (2013.01); H04L 69/329 (2013.01);
Abstract

Systems, methods and apparatus are presented for facilitating account-based transactions. In an embodiment, the method includes associating a first person with an account, associating a second person with the account, receiving a request from a third party to authorize a transaction between the second person and the third party, determining a first communication address of the first party, and contacting the first party. The process also includes determining that the first person desires to communicate with the second person, determining a second communication address of the second person, initiating a communication between the first person and the second person, and receiving a signal from the first person that authorizes the transaction or declines the transaction.


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