1. A method for paying for goods or services using a network, the method comprising:
providing a money transfer system with account information on a payee;
placing at least one restriction on transfers into the account from one or more payors, and storing the restriction in the money transfer system, wherein the restriction is established by the payee;
receiving a cash payment at a money transfer location from at least one payor, wherein the cash payment is to pay for a good or service offered by the payee;
sending a record to the money transfer system over a network indicating that the cash payment has been made; and
transferring finds to the account of the payee over a network based on the cash payment using the money transfer system.
2. A method as in claim 1, wherein the restrictions are selected from a group consisting of the number of allowed transfers into the account of the payee, a time period for making transfers into the account of the payee, and the amount of each transfer into the account of the payee.
3. A method as in claim 1, wherein the funds are transferred using an ACH transfer.
4. A method as in claim 1, further comprising transmitting a record of payment to the payee from the money transfer system.
5. A method as in claim 4, further comprising shipping an item from the payee to the payor after receipt of the record of payment.
6. A method as in claim 2, further comprising collecting a transaction fee along with the payment.
7. A method for paying for goods or services using a network, the method comprising:
providing a money transfer system with account information on a payee;
establishing an agreement between the payee and a money transfer establishment regarding a fee for transferring funds into the account of the payee, wherein the fee is based on at least one restriction on transfers into the account from one or more payors;
storing the restriction in the money transfer system;
receiving a cash payment at a money transfer location from at least one payor, wherein the cash payment is to pay for a good or service offered by the payee;
evaluating with the money transfer system whether a transfer of funds based on the cash payment is in compliance with the restriction in the agreement;
sending a record to the money transfer system over a network indicating that the cash payment has been made;
transferring funds to the account of the payee over a network based on the cash payment using the money transfer system.
8. A method for paying for goods or services using a network, the method comprising:
providing a financial system with account information on a payee;
placing at least one restriction on one or more transfers into the account from one or more payors, wherein the at least one restriction is established by the payee;
storing the at least one restriction in the financial system;
receiving a payment from at least one payor, wherein the payment is to pay for a good or service offered by the payee;
sending a record to the financial system over a network indicating that the payment has been received; and
transferring funds to the account of the payee over a network based on the payment.
The claims below are in addition to those above.
All refrences to claim(s) which appear below refer to the numbering after this setence.
1. A pleated pocket device, comprising:
a back panel having at least one pleat, a first section, and a second section wherein said second section is capable of expanding more than said first section; and
a front panel connected to said back panel to form a cavity adjacent to said second section.
2. The device of claim 1 wherein said back panel further comprises a third section adjacent said second section to from a cavity bottom.
3. The device of claim 1 wherein said second section is capable of expanding in width and depth.
4. The device of claim 1 wherein said back panel is formed from a single sheet of material.
5. The device of claim 1 wherein said at least one pleat is formed near a centerline of said back panel.
6. (Withdrawn) A method for making a pleated pocket device, comprising:
cutting a back panel from a sheet of material having a first section and a second section wherein said second section is longer in width than said first section;
forming at least one pleat in the first section;
stitching said at least one pleat;
cutting a front panel from a sheet of material; and
joining said front panel to said back panel to form a cavity adjacent to said second section;
wherein said second section is capable of expanding more than said first section.
7. The method of claim 6 wherein said at least one pleat is located adjacent a centerline of said back panel.
8. The method of claim 6 further comprising:
cutting a third section;
stitching said third section to said second section and said front panel to form a cavity bottom.
9. The method of claim 6 wherein said second section is capable of expanding in width and depth.
10. An apparatus for making a pleated pocket device, comprising:
means for cutting a back panel from a sheet of material having a first section and a second section wherein said second section is longer in width than said first section;
means for forming at least one pleat in the first section;
means for stitching said at least one pleat;
means for cutting a front panel from a sheet of material; and
means for joining said front panel to said back panel to form a cavity adjacent to said second section;
wherein said second section is capable of expanding more than said first section.
11. The apparatus of claim 10 wherein said at least one pleat is located adjacent a centerline of said first portion.
12. The apparatus of claim 10 further comprising:
means for cutting a third section;
means for stitching said third section to said third section and said front panel to form a cavity bottom.
13. The apparatus of claim 10 wherein said second section is capable of expanding in width and depth.
14. A pleated pocket device, comprising:
a back panel having:
a first section having a first pleat and a second pleat; and
a second section coupled to said first section,
wherein said second section is capable of expanding more than said first section;
a front panel connected to said back panel to form a cavity adjacent to said second section.
15. The device of claim 14 wherein said back panel further comprises a third section adjacent said second section to from a cavity bottom.
16. The device of claim 14 wherein said second section is capable of expanding in width and depth.
17. The device of claim 14 wherein said first pleat and said second pleat form an inverted \u201cV\u201d shape.
18. The device of claim 14 wherein said first pleat and said second pleat are formed near a centerline of said first section.
19. A pleated pocket device, comprising:
a back panel having a first section coupled to a second section, said first section and said second section having a first pleat and a second pleat, and
a front panel connected to said back panel to form a cavity adjacent to said second section,
wherein said second section is capable of expanding more than said first section.
20. The device of claim 19 wherein said back panel further comprises a third section adjacent said second section to from a cavity bottom.
21. The device of claim 19 wherein said second section is capable of expanding in width and depth.
22. The device of claim 19 wherein said first pleat and said second pleat form an inverted \u201cV\u201d shape.
23. The device of claim 19 wherein said first pleat and said second pleat are formed near a centerline of said first section.
24. A pleated pocket device, comprising:
a back panel having a top section and a bottom section, the bottom section longer in length than the top section;
at least one pleat formed in said back panel; and
a front panel coupled to said bottom section to form a cavity,
wherein said bottom section is capable of expanding more than said top section and wherein said back panel is formed from a single sheet of material.
25. The device of claim 24 further comprising a bottom panel adjacent said bottom section to from a cavity bottom.
26. The device of claim 24 wherein said bottom section is capable of expanding in width and depth.
27. The device of claim 24 wherein said at least one pleat is formed near a centerline of said back panel.