{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-9830634","patent":{"patent_number":"US-9830634","title":"Performing secure financial transactions in an instant messaging environment","assignee":null,"inventors":[],"filing_date":"2006-02-23T00:00:00.000Z","publication_date":"2017-11-28T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q"],"num_claims":2,"abstract":"An apparatus and method provide simple and secure financial transactions in an instant messaging (IM) environment. Two users may engage in an IM session (chat session), with negotiations for a product or service taking place during the chat session. One or both of the users may activate an IM financial transaction mechanism during the chat session. The IM financial transaction mechanism analyzes the chat text, and presents a draft transaction to both buyer and seller, with options based on the analyzed chat text. The draft transaction may be modified by both buyer and seller, who both confirm the draft transaction when all of the details are correct. The confirmed transaction is then sent to a web server that includes an interface to the buyer's online account, and payment is made by transferring the funds for the confirmed transaction from the buyer's online account to an account for the seller."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Performing secure financial transactions in an instant messaging environment","description":"An apparatus and method provide simple and secure financial transactions in an instant messaging (IM) environment. Two users may engage in an IM session (chat session), with negotiations for a product","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-9830634","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-9830634","citation_suggestion":"Patentable. \"Performing secure financial transactions in an instant messaging environment\" (US-9830634). https://patentable.app/patents/US-9830634","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-9830634","json":"https://patentable.app/api/llm-context/US-9830634","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-06-06T03:56:19.883Z"}