# US 2014/0207667 A1 · Method and system for processing transfer requests

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- Number: US 2014/0207667 A1
- Document ID: US20140207667A1
- Status: Published application
- Kind: A1
- Application number: 14/246,958
- Filed: 2014-04-07
- Published: 2014-07-24
- Earliest claimed: 2008-05-29
- Assignees: eBay Inc.
- Applicants: Ebay Inc.
- Inventors: Jason Alexander Korosec; Osama Mostafa Bedier; Damon Charles Hougland
- Web page: https://patentgrep.com/patent/US20140207667A1

## CPC

- G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q 20/22: Payment schemes or models
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

Methods and system for processing transfer requests are described. In one embodiment, a value transfer request may be received from a value provider through a network. The value transfer request may include a value amount to be provided from a source user to a target user. A settlement account of the value provider may be reduced by the value amount. A target account of the target user may be increased by the value amount.

## Claims

### Claim 1

A system comprising:
a non-transitory memory storing account information for a plurality of users having an account with a payment provider, wherein the account information comprises a user account identifier; and
one or more hardware processors in communication with the non-transitory memory and operable for:
receiving, by the payment provider, a value transfer request from a value provider different than the payment provider, the value transfer request including a value amount to be provided from a source user to a target user;
reducing, by the payment provider, a settlement account of the value provider by a first value amount corresponding to the value amount, wherein the settlement account is associated with the payment provider; and
funding, by the payment provider, a target account of the target user by a second value amount corresponding to the value amount, wherein only the value provider and the target user are required to have an account with the payment provider.

### Claim 2 (depends on 1)

The system of claim 1, wherein the target user does not have an account with the value provider and the source user does not have an account with the payment provider.

### Claim 3 (depends on 1)

The system of claim 1, wherein the value amount comprises virtual currency.

### Claim 4 (depends on 3)

The system of claim 3, wherein the one or more hardware processors is further operable for converting the virtual currency to real currency.

### Claim 5 (depends on 4)

The system of claim 4, wherein the second value amount comprises real currency.

### Claim 6 (depends on 1)

The system of claim 1, wherein the value amount comprises points, miles or minutes.

### Claim 7 (depends on 1)

The system of claim 1, wherein the value provider comprises a travel-related company or a gaming company.

### Claim 8 (depends on 1)

The system of claim 1, wherein the value transfer request is received from the source user in person.

### Claim 9 (depends on 1)

The system of claim 1, wherein the value transfer request is received from the source user through a banking terminal, a set-up box, a portable gaming unit, or a display device.

### Claim 10 (depends on 1)

The system of claim 1, wherein the value transfer request is received from the source user through a mobile telephone.

### Claim 11 (depends on 1)

The system of claim 1, wherein the target user is identified through an email address, a phone number, a driver's license number, a license plate number, or a token.

### Claim 12 (depends on 1)

The system of claim 1, wherein the value transfer request is received from the value provider.

### Claim 13

A non-transitory computer readable medium including instructions that, when executed by one or more processors, cause the one or more processors to perform a method comprising:
receiving, by a payment provider, a value transfer request from a value provider different than the payment provider, the value transfer request including a value amount to be provided from a source user to a target user;
reducing, by the payment provider, a settlement account of the value provider by a first value amount corresponding to the value amount, wherein the settlement account is associated with the payment provider; and
funding, by the payment provider, a target account of the target user by a second value amount corresponding to the value amount, wherein only the value provider and the target user are required to have an account with the payment provider.

### Claim 14 (depends on 13)

The non-transitory computer readable medium of claim 13, wherein the target user does not have an account with the value provider and the source user does not have an account with the payment provider.

### Claim 15 (depends on 13)

The non-transitory computer readable medium of claim 13, wherein the value amount comprises virtual currency, points, miles or minutes.

### Claim 16 (depends on 15)

The non-transitory computer readable medium of claim 15, wherein the one or more hardware processors is further operable for converting the value amount to real currency.

### Claim 17 (depends on 16)

The non-transitory computer readable medium of claim 16, wherein the second value amount comprises real currency.

### Claim 18 (depends on 13)

The non-transitory computer readable medium of claim 13, wherein the value transfer request is received from the source user in person.

### Claim 19 (depends on 13)

The non-transitory computer readable medium of claim 13, wherein the value transfer request is received from the source user through a banking terminal, a set-up box, a portable gaming unit, a mobile telephone, or a display device.

### Claim 20 (depends on 13)

The non-transitory computer readable medium of claim 13, wherein the value transfer request is received from the value provider.

### Claim 21

A method comprising:
receiving, by a hardware processor of a payment provider, a value transfer request from a value provider different than the payment provider, the value transfer request including a value amount to be provided from a source user to a target user, wherein the value transfer request is received from the source user through a banking terminal, a set-up box, a portable gaming unit, a mobile telephone, or a display device;
reducing, by the hardware processor, a settlement account of the value provider by a first value amount corresponding to the value amount, wherein the settlement account is associated with the payment provider; and
funding, by the hardware processor, a target account of the target user by a second value amount corresponding to the value amount, wherein only the value provider and the target user are required to have an account with the payment provider.

### Claim 22 (depends on 21)

The method of claim 21, wherein the value transfer request is received from the source user in person.

### Claim 23 (depends on 21)

The method of claim 21, wherein the value transfer request is received from the value provider.