Angela R Lee

US Patent:

7194437, Mar 20, 2007

Filed:

May 14, 1999

Appl. No.:

09/312309

Inventors:

Mark J. Britto - Baton Rouge LA, US
Aimee K. Cardwell - Palo Alto CA, US
FuMing Young - Los Altos CA, US
Nicholas K. Peddy - Redwood City CA, US
Adrian J. Blakey - Alameda CA, US
Angela C. Lee - Burlingame CA, US
Erich L. Ringewald - Kenwood CA, US

Assignee:

Amazon.com, Inc. - Seattle WA

International Classification:

G06Q 40/00

US Classification:

705 40, 705 39

Abstract:

A service configured to be accessible by two or more parties to a two-sided funds transfer transaction through a computer network (e. g. , the Internet) provides functionality for sending a payment request to a target payer or payee who is not yet registered with the service. Depending upon who is initiating the transaction (i. e. , a payer or a payee) the payment requests may be received as requests to send payments or requests to collect payments. In the latter case, the service may be further organized to solicit a payment, for example by transmitting an e-mail message to a second party to the funds transfer transaction. When used to collect payments, the service may be further organized to process one or more responses to the above-mentioned solicitations.

US Patent:

7685067, Mar 23, 2010

Filed:

May 14, 1999

Appl. No.:

09/312028

Inventors:

Mark J. Britto - Baton Rouge LA, US
Aimee K. Cardwell - Palo Alto CA, US
FuMing Young - Los Altos CA, US
Nicholas K. Peddy - Redwood City CA, US
Adrian J. Blakey - Alameda CA, US
Angela C. Lee - Burlingame CA, US
Erich L. Ringewald - Kenwood CA, US

Assignee:

Amazon.com, Inc. - Seattle WA

International Classification:

G06Q 40/00

US Classification:

705 40, 705 37, 705 39, 235379

Abstract:

A payment request associated with a transfer of funds is received and a risk management assessment for both sides thereof is performed. If the risk management assessment procedure produces an adverse indication, the payment request is declined. Otherwise, the payment request may be processed for delivery of a payment associated therewith. The risk management assessment may be performed on the basis of credit/authentication information derived from customer information received with (or even prior to) the payment request. Such customer information may include credit card account information and/or bank account information (e. g. , checking account) information. In some cases, the risk management assessment may include an automated component and a manual (non-automated) component. Such a manual component may be needed where the automated component of the risk management assessment provides suspect information regarding one of the parties to the transaction. Where the payment request is processed for delivery of the payment, such processing may include submitting a payment authorization request, and, upon receiving a settlement indication regarding that payment authorization request, transmitting the payment.

US Patent:

7689487, Mar 30, 2010

Filed:

Aug 28, 2007

Appl. No.:

11/845977

Inventors:

Mark J. Britto - Baton Rouge LA, US
Aimee K. Cardwell - Palo Alto CA, US
FuMing Young - Los Altos CA, US
Nicholas K. Peddy - Redwood City CA, US
Adrian J. Blakey - Alameda CA, US
Angela C. Lee - Burlingame CA, US
Erich L. Ringewald - Kenwood CA, US

Assignee:

Amazon.com, Inc. - Seattle WA

International Classification:

Q06F 40/00

US Classification:

705 35, 705 36, 705 37, 705 38, 705 39, 705 40

Abstract:

A funds transfer system is disclosed that is responsive to a receipt of a payment request by performing a risk management assessment of an associated payer and payee. If the risk management assessment produces an adverse indication, the payment request is declined. Otherwise, the payment request may be processed by causing funds to be transferred between the payer and payee. The risk management assessment may be performed on the basis of credit and/or authentication information derived from customer information received with or prior to the payment request. Such customer information may, for example, include credit card account information and/or bank account information.

US Patent:

8296231, Oct 23, 2012

Filed:

Dec 28, 2009

Appl. No.:

12/648063

Inventors:

Mark J. Britto - Baton Rouge LA, US
Aimee K. Cardwell - Palo Alto CA, US
FuMing Young - Los Altos CA, US
Nicholas K. Peddy - Redwood City CA, US
Adrian J. Blakey - Alameda CA, US
Angela C. Lee - Burlingame CA, US
Erich L. Ringewald - Kenwood CA, US

Assignee:

Amazon Technologies, Inc. - Reno NV

International Classification:

G06Q 40/00

US Classification:

705 39, 705 79

Abstract:

A network-accessible funds transfer system is disclosed that is capable of controlling a funds transfer transaction in which a funds transfer service collects funds from a payer and transfers collected funds to a payee. In one embodiment, the funds transfer service uses credit card information specified by the payer via the service's user interface to collect funds from the payer (through interactions with a third party fulfillment service), and uses bank account information specified by the payee via the service's user interface to transfer collected funds to a bank account of the payee.

US Patent:

20050131816, Jun 16, 2005

Filed:

Feb 3, 2005

Appl. No.:

11/049825

Inventors:

Mark Britto - Baton Rouge LA, US
Aimee Cardwell - Palo Alto CA, US
FuMing Young - Los Altos CA, US
Nicholas Peddy - Redwood City CA, US
Adrian Blakey - Alameda CA, US
Angela Lee - Burlingame CA, US
Erich Ringewald - Kenwood CA, US

International Classification:

G06F017/60

US Classification:

705039000

Abstract:

A computer-based funds transfer service provides functionality for users to send and receive payments via a web-based user interface. In one embodiment, the web-based user interface provides functionality for a first user of the service to generate and submit a payment request for sending money to, or collecting money from, a second user, who may but need not be registered with the service. The first user may specify the second user by supplying an email address of the second user, which may be used by the service to notify the second user of the payment request. The email message sent to the second user may include a URL that can be accessed by the second user to register with the service (if not already registered) and complete the transaction.