WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT
According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user ( 110 ) in a stored value account on a server computer system ( 170 ). At the server computer system ( 170 ), a request from the first user ( 110 ) to send money to a second user ( 130 ) based on the stored value account is received. An electronic notification is sent from the server computer ( 170 ) to the second user ( 130 ) to notify the second user ( 130 ) of the request. A debit in the stored value account of the first user ( 110 ) is created. The requested money is sent to the second user ( 130 ) upon a receipt of a request at the server computer ( 170 ) from the second user ( 130 ).
1 - 50 . (canceled)
51 . A method for transferring money using a wide-area computer network, the method comprising:
receiving at a server computer system a first request from a sender to send money to a plurality of recipients;
sending electronic notifications from the server computer system to the recipients to notify the recipients of the request; and
providing payment to the recipients upon a receipt of a second request at the server computer system from each recipient.
52 . The method for transferring money using the wide-area computer network as recited in claim 51 , wherein the electronic notification includes at least one of a page, an instant message, an e-mail message, and a web page.
53 . The method for transferring money using the wide-area computer network as recited in claim 51 , wherein the first request includes a list of recipient e-mail addresses that have been manually entered by the sender.
54 . The method for transferring money using the wide-area computer network as recited in claim 51 , wherein the first request to transfer includes a list of recipient e-mail addresses that have been selected by the sender from an address book maintained on the server computer system.
55 . The method for transferring money using the wide-area computer network as recited in claim 51 , wherein the first request includes a list of recipient e-mail addresses received by the server computer system from a computer file submitted by the sender.
56 . The method for transferring money using the wide-area computer network as recited in claim 51 , wherein the first request includes a list of recipient e-mail addresses received by the server computer and pasting the list into a field of a page created by the server computer.
57 . The method for transferring money using the wide-area computer network as recited in claim 51 , wherein the receiving step includes receiving the first request that includes a unique money amount for at least two of the plurality of recipients.
58 . The method for transferring money using the wide-area computer network as recited in claim 51 , wherein the computer server system comprises a plurality of computers coupled together by a computer network.
59 - 65 . (canceled)