08504474 is referenced by 1 patents and cites 40 patents.

The present invention provides a system and method for providing and/or facilitating complete on-line payment services while protecting the privacy of the transaction participants. The comprehensive payment service is based upon a consolidated account used to store value acquired through on-line transactions. The invention provides private payment numbers for protecting the identities of the participants and includes processes for authenticating participants, authorizing transactions, and settling payments. Thus, the present invention enables merchants to effectively accept non-standard forms of payment without changing their current payment infrastructures and enables the provision of value for purchases at any network merchant using any source of value.

Title
Consolidated payment account system and method
Application Number
12/845412
Publication Number
8504474 (B2)
Application Date
July 28, 2010
Publication Date
August 6, 2013
Inventor
Jessica Zoob
New York
NY, US
Dirk White
Temecula
CA, US
Leah M Sweet
Goodyear
AZ, US
Trey Neeman
Glendale
AZ, US
Margaret C Mitchell
Phoenix
AZ, US
Sohail Hussain
Scottsdale
AZ, US
Elliott Glazer
Chesterfield
VA, US
Gabriella P Fitzgerald
New York
NY, US
Jeff Fehlhaber
Glendale
AZ, US
Lydia C Breck
New York
NY, US
Fred A Bishop
Glendale
AZ, US
David Armes
Phoenix
AZ, US
Agent
Snell & Wilmer L
Assignee
American Express Travel Related Services Company
NY, US
IPC
G06Q 40/00
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