US 2011/0258003 A1Published application

Advanced Messaging System and Method

OwnerNicholas Anthony Lindsay Browninventor

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Abstract

Using an advanced messaging system, customers can purchase goods or services from a vendor without either the vendor or the advanced messaging system itself having access to sensitive financial information of the customer. At the advanced messaging system, the customer connects an identifier of their account at the financial institution with an order identifier from the vendor, allowing a transfer of funds to take place between the customer and the vendor associated with an order. An alternative use of an advanced messaging system is for the transfer of funds between accounts. Another alternative use of an advanced messaging system is the secure management and transfer of customer medical information between multiple systems under the control of the customer. Another alternative use of an advanced messaging system is the secure management and transfer of customer information between multiple systems under the control of the customer.

Claims14

Dependent claims

A network configured to permit at least one transaction and to include at least one transfer of funds, at least one customer and at least one vendor having access to the network, the network comprising:

at least one computerized advanced messaging system;
at least one financial institution systems, a financial institution being an entity that manages customer accounts containing some form of currency that can be transferred, the financial institution system linked to the advanced messaging system;
at least one vendor system, the vendor system linked to the advanced messaging system;
at a customer financial institution, there being customer account information associated with the financial institution and the customer, and the customer account information having a financial institution customer identifier;
at a vendor financial institution, there being vendor account information associated with the financial institution and the vendor, and the vendor account information having a financial institution vendor identifier;
wherein the network is configured such that at the customer financial institution, the customer can request the transmission of the financial institution customer identifier to the advanced messaging system, and wherein the financial institution customer identifier is transmitted to the advanced messaging system;
wherein the network is configured such that at the vendor financial institution, the vendor can request the transmission of the financial institution vendor identifier to the advanced messaging system, and wherein the financial institution vendor identifier is transmitted to the advanced messaging system;
wherein the network is configured such that a customer order can be created at the vendor system associated with the customer and the vendor, the customer order having an vendor customer order identifier, wherein the vendor customer order identifier is transmitted from the vendor system to the advanced messaging system, wherein within the advanced messaging system the advanced messaging system forms a connection between the vendor customer order and the financial institution vendor identifier;
wherein within the advanced messaging system, the customer can selectively link the financial institution customer identifier and vendor customer order identifier, thus forming a connection between the customer account information at the customer financial institution, the customer order at the vendor and the vendor account information at the vendor financial institution, such that at least one transaction involving the customer financial institution, the vendor financial institution, the customer and the vendor is permitted;
and,
wherein a transfer of funds can take place between at least one selected customer account at the customer financial institution and the vendor account at the vendor financial institution.

8 more elements

A network configured to permit at least one transaction and to include at least one transfer of funds, at least two customers having access to the network, the network comprising:

at least one computerized advanced messaging system;
at least one financial institution systems, a financial institution being an entity that manages customer accounts containing some form of currency that can be transferred, the financial institution system linked to the advanced messaging system;
at a first customer financial institution, there being first customer account information associated with the first customer financial institution and the first customer, and the first customer account information having a financial institution first customer identifier;
at a second customer financial institution, there being second customer account information associated with the second customer financial institution and the second customer, and the second customer account information having a financial institution second customer identifier;
wherein the network is configured such that at the first customer financial institution, the first customer can request the transmission of the financial institution first customer identifier to the advanced messaging system, and wherein the financial institution first customer identifier is transmitted to the advanced messaging system;
wherein the network is configured such that at the second customer financial institution, the second customer can request the transmission of the financial institution second customer identifier to the advanced messaging system, and wherein the financial institution second customer identifier is transmitted to the advanced messaging system;
wherein within the advanced messaging system, the first customer or the second customer can selectively link the financial institution first customer identifier and financial institution second customer identifier, thus forming a connection between the first customer account information at the first customer financial institution and the second customer account information at the second customer financial institution, such that at least one transaction involving the first customer financial institution, the second customer financial institution, the first customer and the second customer is permitted;
and,
wherein a transfer of funds can take place between at least one selected first customer account at the first customer financial institution and the second customer account at the second customer financial institution.

6 more elements

A network configured to permit at least one transaction and to include at least one transfer of information, at least one customer having access to the network, the network comprising:

at least one computerized advanced messaging system;
at least two information systems, an information system being a system of a entity that manages customer information in electronic form, the information system linked to the advanced messaging system;
at an information system, there being customer information associated with the information system and the customer, and the customer information having an information system customer identifier;
wherein the network is configured such that at the information system, the customer can request the transmission of the information system customer identifier to the advanced messaging system, and wherein the information system customer identifier is transmitted to the advanced messaging system;
wherein within the advanced messaging system, the customer can selectively link the information system customer identifier of a first information system and the information system customer identifier of a second information system, thus forming a connection between the customer information at the first information system and the customer information at the second information system, such that at least one transaction involving the first information system, the second information system and the customer is permitted;
and,
wherein a transfer of selected information can take place between at least one source information system and a select destination information system.

4 more elements

Dependencies are inferred from the claim text.

Facts

Application: 13/171,545Filed 29 Jun 2011
Priority: 27 Jun 2000
Published: 20 Oct 2011
Term ends: Not estimatedThe source records don’t support an estimate.

Classification6 codes

G06Q 40/02
Finance; Insurance; Tax strategies; Processing of corporate or income taxes: banking, e.g. interest calculation or account maintenance
G06Q 20/10
Payment architectures: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 20/40
Payment protocols; Details thereof: authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and…
G06Q 30/04
Commerce: billing or invoicing

Family

Application60/214,088Us provisional application · filed 27 Jun 2000
Application09/894,644Continuation in part · filed 27 Jun 2001
Application60/329,773Us provisional application · filed 16 Oct 2001
Application60/338,770Us provisional application · filed 5 Dec 2001
Application60/342,607Us provisional application · filed 21 Dec 2001
Application10/273,961Continuation in part · filed 16 Oct 2002
Application60/456,138Us provisional application · filed 19 Mar 2003
Application10/700,720Continuation · filed 3 Nov 2003
Application12/173,770Continuation · filed 15 Jul 2008
Application13/171,545Continuation
Application10/700,720Continuation in part
US 2001/0056399 A1Published application
US 2003/0074311 A1Published application
US 2004/0111370 A1Published application
US 2008/0270304 A1Published application
US 2011/0258003 A1This patent

From the US filing history. Foreign family members aren’t listed.