{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-8468092","patent":{"patent_number":"US-8468092","title":"Method and system for processing internet payments using the electronic funds transfer network","assignee":null,"inventors":[],"filing_date":"2012-04-10T00:00:00.000Z","publication_date":"2013-06-18T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G07F","G07F","G07F"],"num_claims":22,"abstract":"A computer implemented system is provided for processing payments. A server including a computer memory storing a first database including a directory is provided. The directory includes authenticated registrant information comprising authenticated information for a payee, the directory identifying via a publicly available account identifier at least one linked account of said payee. The system also includes a payor computer having access to the directory and a first bank computer linked via a computer network to the server, the first bank computer configured to access payor account information from a payor account at the first bank. The first bank computer is also configured to receive payment information from the payor computer identifying the payee and to transmit a payment from the payor account at the first bank to the linked payee account located at a second bank without using an intermediary to transfer said payment."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Method and system for processing internet payments using the electronic funds transfer network","description":"A computer implemented system is provided for processing payments. A server including a computer memory storing a first database including a directory is provided. The directory includes authenticated","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-8468092","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-8468092","citation_suggestion":"Patentable. \"Method and system for processing internet payments using the electronic funds transfer network\" (US-8468092). https://patentable.app/patents/US-8468092","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-8468092","json":"https://patentable.app/api/llm-context/US-8468092","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T14:07:34.425Z"}