US 11,941,592 B2
System and method for processing a virtual money order
Kyle Johnson, Falls Church, VA (US); Salik Shah, Washington, DC (US); and Robert Perry, Ashburn, VA (US)
Assigned to CAPITAL ONE SERVICES, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Feb. 14, 2022, as Appl. No. 17/671,051.
Application 17/671,051 is a continuation of application No. 16/829,544, filed on Mar. 25, 2020, granted, now 11,282,046.
Prior Publication US 2022/0172186 A1, Jun. 2, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/10 (2012.01)
CPC G06Q 20/10 (2013.01) 20 Claims
OG exemplary drawing
 
1. An automated method of processing a virtual money order transaction between a first user having a first user device and a second user having a second user device, the method comprising:
receiving, by a money order transaction data processor from the second user device, a virtual money order purchase request, the request including identification of the first user as a virtual money order payee, a money order amount, and second user payment information;
transferring, by the money order transaction data processor, a payment amount from an account of the second user to a transaction processor account, the payment amount being equal to or greater than the money order amount;
generating, by the money order transaction data processor, a virtual money order having associated virtual money order information accessible over a network via a network address specific to the virtual money order;
transmitting, to the first user device, a money order notification including the network address;
receiving, by the money order transaction data processor from the first user device via the network address, a request to receive the virtual money order information;
transmitting, the virtual money order information to the first user device.