US 12,141,770 B2
Email-based money transfer
John P. Killoran, Jr., Albuquerque, NM (US); Dennis William Peek, Albuquerque, NM (US); and Matthew Custer, Albuquerque, NM (US)
Assigned to SWOOP IP HOLDINGS LLC, Wilmington, DE (US)
Filed by SWOOP IP HOLDINGS LLC, Wilmington, DE (US)
Filed on Jun. 12, 2015, as Appl. No. 14/738,098.
Application 14/738,098 is a continuation of application No. 13/074,235, filed on Mar. 29, 2011, granted, now 9,058,591.
Prior Publication US 2015/0278778 A1, Oct. 1, 2015
Int. Cl. G06Q 20/10 (2012.01); G06Q 10/107 (2023.01); G06Q 30/02 (2023.01); G06Q 30/0241 (2023.01); G06Q 30/06 (2023.01); G06Q 30/0601 (2023.01); H04L 51/18 (2022.01)
CPC G06Q 20/10 (2013.01) [G06Q 10/107 (2013.01); G06Q 30/0241 (2013.01); G06Q 30/06 (2013.01); G06Q 30/0601 (2013.01); H04L 51/18 (2013.01); G06Q 30/02 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for using Simple Mail Transfer Protocol (SMTP) to improve security of electronic money transfer from a first financial account that is associated with a user to a second financial account that is not associated with the user, the method comprising:
storing, by a processor, payment information of the first financial account, and an email address of the first financial account in a database;
generating, by the processor, a solicitation email that includes a plurality of mailto links, wherein each of the plurality of mailto links include:
an indicia of a predetermined monetary amount, and
an SMTP email address of an electronic money transfer system;
transmitting, by the processor, the solicitation email to the user via SMTP;
receiving, by the processor, a transfer email from the user via SMTP, wherein the transfer email is generated by an activation of a particular mailto link from the plurality of mailto links;
determining, by the processor, the predetermined monetary amount that corresponds to the particular mailto link based on the transfer email;
validating, by the processor, contents of the transfer email based on information stored in the database and an email address from which the transfer email is received; and
on a condition that the contents of the transfer email are validated:
transmitting, by the processor, at least one electronic message to a payment processing system, wherein the payment processing system transfers the predetermined monetary amount from the first financial account to the second financial account in response to receiving the at least one electronic message.