| 20110231304 | SECURE METHOD AND APPARATUS FOR REMOTE FUNDING OF CURRENT PAYMENT ACCOUNTS - A funding method and apparatus between a monetary account holder and a remote cash provider allows the cash provider to fulfill the request for funding received from the account holder through ordinary electronic communication means by redeeming a load voucher against cash into the account of the requester, without the need for the account holder to share any identification of his/her account with the cash provider and without the cash provider having to share any identification of the load voucher with the account holder. The account holder initiates a request for funding by logging into his/her online monetary account and by providing the email address and/or phone number of the solicited cash provider. The cash provider receives a funding request message including either a printable or displayable cash load voucher, or including a link to a data entry form where he/she will be able to input the identifier of a load voucher obtained locally from a distributor of vouchers of the background art. The cash load voucher identifier or the link included in the message sent to the cash provider are uniquely derived from the identity of the account to be funded through the use of a one-way function, thus allowing the cash provider to redeem his/her voucher into the correct account without explicit transmission of the account details. | 09-22-2011 |
