Patent
Method and apparatus for funds and credit line transfers
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TLDR
A financial tender transfer system as discussed by the authors allows a transferor to transfer credit or make payment to a transferee by debiting the credit card of the transferor and crediting it with the credit cards of the transferee.Abstract:
A financial tender transfer system allows a transferor to transfer credit or make payment to a transferee by debiting the credit card of the transferor and crediting the credit card of the transferee. The financial tender transfer system gives the transferee immediate access to the transferred money and ensures the transferor's credit card is valid. Neither party needs to give their credit card number to the other, so security is preserved. Any amount of value up to the full credit line of the transferor can be transferred to the transferee.read more
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References
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Electronic funds transfer instruments
TL;DR: In this article, an electronic instrument (74) is created in a computer-based method for effecting a transfer of funds from an account of a payer (12) in a funds-holding institution to a payee (14).
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TL;DR: In this article, a method of transferring funds includes the steps of linking a first "smart card" to a first financial institution, debiting an account held at the financial institution and recording a corresponding credit value in the first smart card.