Patent ID: 8571980
Filing Date: 2013-10-29
Classification: G06Q

Abstract:
1. A computer program product embodied on a non-transitory computer readable medium, comprising: computer code for creating a sender transfer service account for each of a plurality of senders utilizing a network, the sender transfer service account being created for a particular one of the senders by: receiving a sender password, receiving sender transfer service account information, receiving one or more actual sender bank account numbers including routing information and account information, the one or more actual sender bank account numbers associated with at least one first entity independent from a second entity associated with the sender transfer service account, causing a verification in connection with at least one aspect of the sender transfer service account by requiring the particular sender to verify a unique code intended for the particular sender, and storing the sender password, the sender transfer service account information, and the one or more actual sender bank account numbers in association with the sender transfer service account; computer code for creating a receiver transfer service account associated with the second entity for a receiver utilizing the network, by: computer code for receiving a request to transfer money in connection with the one or more actual sender bank account numbers of the particular sender and an actual receiver bank account number of a receiver, where the request to transfer money is administered, at least in part, by the second entity without requiring disclosure of the one or more actual sender bank account numbers to the receiver and without requiring disclosure of the actual receiver bank account number to the particular sender, by: computer code for sending an alert to the receiver utilizing at least one of an e-mail alert or a phone alert; computer code for receiving requests from the senders including the particular sender utilizing the network, each request for transferring money from a first account associated with a corresponding sender to a second account associated with the receiver; computer code for allowing acceptance of the request to transfer money in connection with the one or more actual sender bank account numbers of the particular sender and the actual receiver bank account number of the receiver, where the acceptance of the request is administered, at least in part, by the second entity without requiring disclosure of the one or more actual sender bank account numbers to the receiver and without requiring disclosure of the actual receiver bank account number to the particular sender, by: wherein the computer program product is operable such that the first account and the second account are each associated with the at least one first entity independent from the second entity, where the second entity performs the receiving the request and the displaying the queue associated with the computer code for receiving and displaying.