If you go to the link sited here (http://www.google.com/patents/US8401969?dq=ed+starrs&hl=en&sa=X&ei=QJSTUYTXOse84AP-z4CwCw&ved=0CDsQ6AEwAQ) and see all the process patents out there for these types of transaction. Then compare them you will see how complicated this process is. This is a joke