Processing of online payment transactions
First Claim
1. A computer implemented method for processing of online payment transactions, the method comprising:
- registering a merchant with a payment service to create a first account, wherein the payment service is associated with a digital currency;
registering a user with the payment service to create a second account;
providing to the merchant, an entitlement identifier associated with an entitlement, the entitlement identifier embedded in a web resource associated with the entitlement, the entitlement being associated with a Uniform Resource Locator (URL);
receiving, from the user, a payment request associated with the entitlement, the payment request including the entitlement identifier and a payment amount, the payment request received in response to activation of a digital coin associated with content of the merchant, the digital coin represented by a graphical user interface (GUI), the activation of the digital coin accompanied by one or more of the following events;
an audio, an animated graphics, an animated video, a haptic feedback;
ascertaining whether the payment service contains the entitlement identifier;
based on the ascertaining, selectively requesting that the merchant registers the entitlement;
querying a database to validate that the entitlement identifier is associated with the entitlement;
based on the validating, crediting the second account with the payment amount;
transferring the payment amount from the second account associated with the user to the first account associated with the merchant;
representing the transfer of payment amount via the GUI, the GUI providing audio, animated graphics, or video, the GUI further providing feedback in response to the payment amount, the feedback corresponding to payment amount size;
monitoring activity of the user, by logging payment history of the user;
presenting a warning to the user if a pattern of abuse is detected, the warning accompanied by an equivalent interface element to the user;
querying an identity service to check if the user is allowed access to content, which provides the user a privilege to remain anonymous; and
controlling access to the content in real-time by processing the payment request and the querying of the identity service.
1 Assignment
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Accused Products
Abstract
Computer-implemented methods and systems for processing of online payment transactions are provided. An example method comprises registering a merchant with a payment service to create a merchant account and registering a user with the payment service to create a user account. The merchant can registers an entitlement with the payment service to receive a payment service entitlement identifier. A payment request associated with the entitlement is received from a user. The payment request includes the entitlement identifier associated with the payment service or with the merchant and a payment amount. A database is queried to validate the entitlement identifier and a price and, upon successful validation, the user account is credited with purchasing the entitlement, and the payment amount is transferred from the user account to the merchant account.
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Citations
16 Claims
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1. A computer implemented method for processing of online payment transactions, the method comprising:
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registering a merchant with a payment service to create a first account, wherein the payment service is associated with a digital currency; registering a user with the payment service to create a second account; providing to the merchant, an entitlement identifier associated with an entitlement, the entitlement identifier embedded in a web resource associated with the entitlement, the entitlement being associated with a Uniform Resource Locator (URL); receiving, from the user, a payment request associated with the entitlement, the payment request including the entitlement identifier and a payment amount, the payment request received in response to activation of a digital coin associated with content of the merchant, the digital coin represented by a graphical user interface (GUI), the activation of the digital coin accompanied by one or more of the following events;
an audio, an animated graphics, an animated video, a haptic feedback;ascertaining whether the payment service contains the entitlement identifier; based on the ascertaining, selectively requesting that the merchant registers the entitlement; querying a database to validate that the entitlement identifier is associated with the entitlement; based on the validating, crediting the second account with the payment amount; transferring the payment amount from the second account associated with the user to the first account associated with the merchant; representing the transfer of payment amount via the GUI, the GUI providing audio, animated graphics, or video, the GUI further providing feedback in response to the payment amount, the feedback corresponding to payment amount size; monitoring activity of the user, by logging payment history of the user; presenting a warning to the user if a pattern of abuse is detected, the warning accompanied by an equivalent interface element to the user; querying an identity service to check if the user is allowed access to content, which provides the user a privilege to remain anonymous; and controlling access to the content in real-time by processing the payment request and the querying of the identity service. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A system for processing of online payment transactions, the system comprising:
a processor configurable to; register a merchant with a payment service to create a first account, wherein the payment service is associated with a digital currency; register a user with the payment service to create a second account; provide, to the merchant, an entitlement identifier associated with an entitlement, the entitlement identifier embedded in a web resource associated with the entitlement, the entitlement being associated with a Uniform Resource Locator (URL); receive, from the user, a payment request associated with the entitlement, the payment request including the entitlement identifier and a payment amount, the payment request received in response to activation of a digital coin associated with content of the merchant, the digital coin represented by a graphical user interface (GUI), the activation of the digital coin accompanied by one or more of the following events;
an audio, an animated graphics, an animated video, a haptic feedback;ascertain whether the payment service contains the entitlement identifier; based on the ascertaining, selectively request that the merchant registers the entitlement; query a database to validate that the entitlement identifier is associated with the entitlement; based on the validating, credit the second account with the payment amount; transfer the payment amount from the second account associated with the user to the first account associated with the merchant; represent the transfer of payment amount via the GUI, the GUI providing audio, animated graphics, or video, the GUI further providing feedback in response to the payment amount, the feedback corresponding to payment amount size; monitor activity of the user, by logging payment history of the user; and present a warning to the user if a pattern of abuse is detected, the warning accompanied by an equivalent interface element to the user; a database configurable to store information associated with the merchant, the first account, the user, the second account, and the entitlement; querying an identity service to check if the user is allowed access to content, which provides the user a privilege to remain anonymous; and controlling access to the content in real-time by processing the payment request and the querying of the identity service. - View Dependent Claims (13, 14, 15)
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16. A non-transitory computer-readable medium comprising instructions, which when executed by one or more processors, perform the following operations:
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register a merchant with a payment service to create a merchant account, wherein the payment service is associated with a digital currency; register a user with the payment service to create a user account; provide, to the merchant, an entitlement identifier associated with an entitlement, the entitlement identifier embedded in a web resource associated with the entitlement, the entitlement being associated with a Uniform Resource Locator (URL); receive, from a user, a payment request associated with the entitlement, the payment request including the entitlement identifier and a payment amount, the payment request received in response to activation of a digital coin associated with content of the merchant, the digital coin represented by a graphical user interface (GUI), the activation of the digital coin accompanied by one or more of the following events;
an audio, an animated graphics, an animated video, a haptic feedback;ascertain whether the payment service contains the entitlement identifier; based on the ascertaining, selectively request that the merchant registers the entitlement; query a database to validate that the entitlement identifier is associated with the entitlement and price; based on the validating, credit the user account with the price; transfer the payment amount from the user account to the merchant account; represent the transfer of payment amount via the GUI, the GUI providing audio, animated graphics, or video, the GUI further providing feedback in response to the payment amount, the feedback corresponding to payment amount size; monitor activity of the user, by logging payment history of the user; presenting a warning to the user if a pattern of abuse is detected, the warning accompanied by an equivalent interface element to the user; querying an identity service to check if the user is allowed access to content, which provides the user a privilege to remain anonymous; and controlling access to the content in real-time by processing the payment request and the querying of the identity service.
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Specification