MICHAEL DANIEL BAUM, MFT
Social Work at Gough St, San Francisco, CA
License number
California MFC28901
Category
Social Work
Type
Clinical
Address
Address
425 Gough St, San Francisco, CA 94102
Phone
(415) 255-8884
Professional information
Michael D Baum, San Francisco CA - MFT
Specialties:
Clinical Psychology
Address:
425 Gough St, San Francisco 94102
(415) 255-8884 (Phone)
(415) 255-8884 (Phone)
Languages:
English
Marketing And Advertising Professional
Location:
San Francisco Bay Area
Industry:
Marketing and Advertising
Michael Daniel Baum, San Francisco CA
Specialties:
Psychologist
Address:
425 Gough St, San Francisco, CA 94102
Systems And Methods For Implementing Person-To-Person Money Exchange
US Patent:
2005010, May 19, 2005
Filed:
Dec 22, 2004
Appl. No.:
11/020789
Inventors:
Paul Gallagher - San Francisco CA, US
Steve Davis - San Leandro CA, US
Kaycie Roberts - San Francisco CA, US
Robert Simon - San Francisco CA, US
Michael Baum - San Francisco CA, US
Mieko Schmandt - Portola Valley CA, US
Peihuan Meng - Redwood City CA, US
Ivan Liu - Redwood City CA, US
Jorge Noa - San Francisco CA, US
Martin Hampton - Belmont CA, US
Steve Davis - San Leandro CA, US
Kaycie Roberts - San Francisco CA, US
Robert Simon - San Francisco CA, US
Michael Baum - San Francisco CA, US
Mieko Schmandt - Portola Valley CA, US
Peihuan Meng - Redwood City CA, US
Ivan Liu - Redwood City CA, US
Jorge Noa - San Francisco CA, US
Martin Hampton - Belmont CA, US
Assignee:
Yahoo! Inc. - Sunnyvale CA
International Classification:
G06F017/60
US Classification:
705039000
Abstract:
Systems and methods for effecting online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user accesses a fund exchange server to establish an online account, which is used to transfer funds to and from other entities' online accounts. To fund an online account, funds can be transferred to the online account from a credit card account or from another online account. To withdraw funds, money can be transferred to a credit card account or other bank account. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. For a send money transaction, the user sending money (payor) enters an amount of funds to be transferred and an e-mail address of the recipient of the funds (payee). The system sends an e-mail message to the payee at the address provided indicating that the amount of funds has been “received” on the payee's behalf. The payee must then either open an online account or identify an existing online account to complete the transaction. For a request money transaction, a user enters an amount of funds owed and an e-mail address for the recipient of the payment request (payor), and the system sends a payment request to the payor via e-mail at the provided address. If the payor accepts the payment request, the payor identifies an online account from which to transfer funds to the payee (initiator of the payment request). If the payor does not have an online account established, the payor must sign up for an online account and provide a credit card number to fund the online account. Thereafter, the amount of funds are transferred to the payee and the system sends an e-mail notification to the payee indicating that the funds have been “received” on the payee's behalf. In both cases, to complete a transaction, the payee must direct the received funds to an online account, for example, by providing an online account number and/or other identifying information such as a password. The payor may cancel the transaction at any time until the payee directs the received funds to an online account.
Systems And Methods For Implementing Person-To-Person Money Exchange
US Patent:
7031939, Apr 18, 2006
Filed:
Aug 15, 2000
Appl. No.:
09/639014
Inventors:
Paul Gallagher - San Francisco CA, US
Steve Davis - San Leandro CA, US
Kaycie Robert - San Francisco CA, US
Robert Simon - San Francisco CA, US
Michael Baum - San Francisco CA, US
Mieko Schmandt - Portola Valley CA, US
Peihuan Meng - Redwood City CA, US
Ivan Liu - Redwood City CA, US
Jorge Noa - San Francisco CA, US
Martin Hampton - Belmont CA, US
Steve Davis - San Leandro CA, US
Kaycie Robert - San Francisco CA, US
Robert Simon - San Francisco CA, US
Michael Baum - San Francisco CA, US
Mieko Schmandt - Portola Valley CA, US
Peihuan Meng - Redwood City CA, US
Ivan Liu - Redwood City CA, US
Jorge Noa - San Francisco CA, US
Martin Hampton - Belmont CA, US
Assignee:
Yahoo! Inc. - Sunnyvale CA
International Classification:
G06F 17/60
US Classification:
705 39, 705 1, 705 42, 705 43, 705 65, 235387, 235379
Abstract:
Systems and methods for effecting online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user accesses a fund exchange server to establish an online account, which is used to transfer funds to and from other entities' online accounts. To fund an online account, funds can be transferred to the online account from a credit card account or from another online account. To withdraw funds, money can be transferred to a credit card account or other bank account. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. For a send money transaction, the user sending money (payor) enters an amount of funds to be transferred and an e-mail address of the recipient of the funds (payee). The system sends an e-mail message to the payee at the address provided indicating that the amount of funds has been “received” on the payee's behalf. The payee must then either open an online account or identify an existing online account to complete the transaction.
Systems And Methods For Implementing Person-To-Person Money Exchange
US Patent:
7373329, May 13, 2008
Filed:
Dec 2, 2003
Appl. No.:
10/727303
Inventors:
Paul Gallagher - San Francisco CA, US
Steve Davis - San Leandro CA, US
Kaycie Roberts - San Francisco CA, US
Robert Simon - San Francisco CA, US
Michael Baum - San Francisco CA, US
Mieko Schmandt - Portola Valley CA, US
Peihuan Meng - Redwood City CA, US
Ivan Liu - Redwood City CA, US
Jorge Noa - San Francisco CA, US
Martin Hampton - Belmont CA, US
Steve Davis - San Leandro CA, US
Kaycie Roberts - San Francisco CA, US
Robert Simon - San Francisco CA, US
Michael Baum - San Francisco CA, US
Mieko Schmandt - Portola Valley CA, US
Peihuan Meng - Redwood City CA, US
Ivan Liu - Redwood City CA, US
Jorge Noa - San Francisco CA, US
Martin Hampton - Belmont CA, US
Assignee:
Yahoo, Inc. - Sunnyvale CA
International Classification:
G06Q 40/00
US Classification:
705 39
Abstract:
Systems for effecting online financial transactions between individuals are disclosed. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. For a send money transaction, the user sending money (payor) enters an amount of funds to be transferred and an e-mail address of the recipient of the funds (payee). The transfer request may include an identity confirmation through which the payor confirms the identity of the payee. The system sends an e-mail message to the payee at the address provided indicating that the amount of funds has been “received” on the payee's behalf. The payee may open an online account or identify an existing online account to complete the transaction as well as provide identity confirmation for the payor. Upon confirmation, the transfer may occur.
Systems And Methods For Implementing Person-To-Person Money Exchange
US Patent:
2012011, May 10, 2012
Filed:
Jan 6, 2012
Appl. No.:
13/344684
Inventors:
Paul Gallagher - San Francisco CA, US
Steve Davis - San Leandro CA, US
Kaycie Roberts - San Francisco CA, US
Robert Simon - San Francisco CA, US
Michael Baum - San Francisco CA, US
Mieko Schmandt - Portola Valley CA, US
Peihuan Meng - Redwood City CA, US
Ivan Liu - Redwood City CA, US
Jorge Noa - San Francisco CA, US
Martin Hampton - Belmont CA, US
Steve Davis - San Leandro CA, US
Kaycie Roberts - San Francisco CA, US
Robert Simon - San Francisco CA, US
Michael Baum - San Francisco CA, US
Mieko Schmandt - Portola Valley CA, US
Peihuan Meng - Redwood City CA, US
Ivan Liu - Redwood City CA, US
Jorge Noa - San Francisco CA, US
Martin Hampton - Belmont CA, US
International Classification:
G06Q 40/02
US Classification:
705 42
Abstract:
A system conducts online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user establishes an online account, which is used to transfer funds to and from other online accounts. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. The online fund transfer may include a verification of a user's information including verifying a mailing address.
Systems And Methods For Implementing Person-To-Person Money Exchange
US Patent:
7792720, Sep 7, 2010
Filed:
Oct 8, 2004
Appl. No.:
10/961505
Inventors:
Paul Gallagher - San Francisco CA, US
Kaycie Roberts - San Francisco CA, US
Michael Baum - San Francisco CA, US
Peihuan Meng - Redwood City CA, US
Jorge Noa - San Francisco CA, US
Steve Davis - San Leandro CA, US
Robert Simon - San Francisco CA, US
Mieko Schmandt - Portola Valley CA, US
Ivan Liu - Redwood City CA, US
Martin Hampton - Belmont CA, US
Kaycie Roberts - San Francisco CA, US
Michael Baum - San Francisco CA, US
Peihuan Meng - Redwood City CA, US
Jorge Noa - San Francisco CA, US
Steve Davis - San Leandro CA, US
Robert Simon - San Francisco CA, US
Mieko Schmandt - Portola Valley CA, US
Ivan Liu - Redwood City CA, US
Martin Hampton - Belmont CA, US
Assignee:
Yahoo, Inc. - Sunnyvale CA
International Classification:
G06Q 30/00
US Classification:
705 35, 705 38, 705 39, 705 42, 705 44
Abstract:
A system conducts online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user establishes an online account, which is used to transfer funds to and from other online accounts. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. The online fund transfer may include a verification of a user's information including verifying a mailing address.
Systems And Methods For Implementing Person-To-Person Money Exchange
US Patent:
8126792, Feb 28, 2012
Filed:
Aug 4, 2010
Appl. No.:
12/850304
Inventors:
Paul Gallagher - San Francisco CA, US
Steve Davis - San Leandro CA, US
Kaycie Roberts - San Francisco CA, US
Robert Simon - San Francisco CA, US
Michael Baum - San Francisco CA, US
Mieko Schmandt - Portola Valley CA, US
Peihuan Meng - Redwood City CA, US
Ivan Liu - Redwood City CA, US
Jorge Noa - San Francisco CA, US
Martin Hampton - Belmont CA, US
Steve Davis - San Leandro CA, US
Kaycie Roberts - San Francisco CA, US
Robert Simon - San Francisco CA, US
Michael Baum - San Francisco CA, US
Mieko Schmandt - Portola Valley CA, US
Peihuan Meng - Redwood City CA, US
Ivan Liu - Redwood City CA, US
Jorge Noa - San Francisco CA, US
Martin Hampton - Belmont CA, US
Assignee:
Visa International Services Association - Foster City CA
International Classification:
G06Q 40/00
US Classification:
705 35, 705 38, 705 39, 705 42, 705 44
Abstract:
A system conducts online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user establishes an online account, which is used to transfer funds to and from other online accounts. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. The online fund transfer may include a verification of a user's information including verifying a mailing address.