Patent ID: 9684899
Date: 2017-06-20
CPC Classifications: G06Q

Claim:
1. A method comprising: sending, from a server, a message to a client device, wherein the message provides instructions for a target to access the server to receive payment; receiving, at the server, one or more messages from the client device, the one or more messages including an alias assigned by the server to the target, a transaction identifier identifying a transaction, and a target financial account information; authenticating, by the server, the one or more messages from the client device by searching for a stored alias and a stored transaction identifier associated with the alias in a database that matches the alias and transaction identifier in the one or more messages; and in response to authenticating the one or more messages from the client device, providing instructions to transfer a payment amount from an originator financial account to a target financial account associated with the target financial account information included in the one or more messages.