WO2008089395A3 - Systems and methods for providing financial processing in conjunction with instant messaging and other communications - Google Patents

Systems and methods for providing financial processing in conjunction with instant messaging and other communications Download PDF

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Publication number
WO2008089395A3
WO2008089395A3 PCT/US2008/051415 US2008051415W WO2008089395A3 WO 2008089395 A3 WO2008089395 A3 WO 2008089395A3 US 2008051415 W US2008051415 W US 2008051415W WO 2008089395 A3 WO2008089395 A3 WO 2008089395A3
Authority
WO
WIPO (PCT)
Prior art keywords
user
conjunction
instant messaging
processing portion
systems
Prior art date
Application number
PCT/US2008/051415
Other languages
French (fr)
Other versions
WO2008089395A2 (en
Inventor
Timothy Douglas Lacey
Ravi Acharya
Original Assignee
Jpmorgan Chase Bank Na
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Jpmorgan Chase Bank Na filed Critical Jpmorgan Chase Bank Na
Publication of WO2008089395A2 publication Critical patent/WO2008089395A2/en
Publication of WO2008089395A3 publication Critical patent/WO2008089395A3/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L51/00—User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail
    • H04L51/04—Real-time or near real-time messaging, e.g. instant messaging [IM]

Abstract

The invention provides a system and method for providing financial processing in conjunction with instant messaging (IM) to a user using a user device, the system including an IM bank processing portion that is provided to conduct chat sessions with users using IM so as to receive financial information from and provide financial information to the users, and the IM bank processing portion providing for effecting a transaction upon a request of a user; and the IM bank processing portion monitoring activity of the user relating to input of the user vis-a-vis IM chat windows displayed on the user device, the IM bank processing portion effecting the transaction based on the monitoring. The invention might also be used in conjunction with communication technologies other than IM. The invention may be utilized in conjunction with other user to user communication systems, i.e., other than instant messaging.
PCT/US2008/051415 2007-01-19 2008-01-18 Systems and methods for providing financial processing in conjunction with instant messaging and other communications WO2008089395A2 (en)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US88583407P 2007-01-19 2007-01-19
US60/885,834 2007-01-19
US11/833,709 2007-08-03
US11/833,709 US20080177659A1 (en) 2007-01-19 2007-08-03 Systems and methods for providing financial processing in conjunction with instant messaging and other communications

Publications (2)

Publication Number Publication Date
WO2008089395A2 WO2008089395A2 (en) 2008-07-24
WO2008089395A3 true WO2008089395A3 (en) 2008-10-09

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2008/051415 WO2008089395A2 (en) 2007-01-19 2008-01-18 Systems and methods for providing financial processing in conjunction with instant messaging and other communications

Country Status (2)

Country Link
US (1) US20080177659A1 (en)
WO (1) WO2008089395A2 (en)

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