According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user (110) in a stored value account on a server computer system (170). At the server computer system (170), a request from the first user (110) to send...http://www.google.de/patents/US8024229?utm_source=gb-gplus-sharePatent US8024229 - Wide area network person-to-person payment
