Payment system and method

• US 10,083,440 B2
• Filed: 03/18/2015
• Issued: 09/25/2018
• Est. Priority Date: 08/31/2007
• Status: Active Grant

• Current Assignee: Microsoft Technology Licensing LLC (Microsoft Corporation)
• Original Assignee: Skype S.Ã R.L. (Microsoft Corporation)
• Inventors: Viidu, Siim, Coenen, Edith, Kutt, Andres, Ondeck, Kristen
• Primary Examiner(s): CHEUNG, CALVIN K
• Application Number:
  US14/661,347
• Publication Number:
  US 20150262178A1
• Time in Patent Office: 1,287 Days
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/26 Debit schemes, e.g. "pay now"
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

In one embodiment, transferring payment between a first user and a second user of a communication system includes displaying a contact list in a user interface of a client executed at a user terminal of the first user, the contact list including the second user. The client retrieves and displays at least one page from a payment provider responsive to the first user selecting the second user from the contact list. The client transmits, to the payment provider, information related to the payment entered into the page by the first user, which causes the payment provider to transfer the payment from an account of the first user to an account of the second user.

Claims

1. A computing device comprising:

a display; and

at least a memory and a processor to implement a client application configured to perform operations comprising;

establishing an instant messaging communication session for a user of the computing device with a second user of an additional computing device over a communication system;

displaying a graphical user interface on the display of the computing device, the graphical user interface associated with the client application;

receiving a selection of a payment transfer option in the graphical user interface displayed on the display of the computing device;

causing a presentation of a graphical user interface (GUI) of a payment provider that solicits account login credentials of the user for the payment provider;

causing a linking of a portion of the account login credentials of an account of the user for the payment provider with a portion of the account login credentials of the user for the communication system;

receiving a payment amount entered into the graphical user interface displayed on the display of the computing device;

and

within the instant messaging communication session, transmitting information to the payment provider, the information configured to cause transfer of the payment amount from the account of the user for the payment provider to a payment account of the second user based upon the linking of the account login credentials of the user for the payment provider with the account login credentials of the user for the communication system.

2. The computing device of claim 1, wherein the information transmitted to the payment provider comprises payment provider authorization information for the user.

3. The computing device of claim 2, wherein the payment provider authorization information for the user comprises a payment provider username and a payment provider password.

4. The computing device of claim 1, wherein the information transmitted to the payment provider comprises at least one of an indication of the payment amount or a currency of the payment amount.

5. The computing device of claim 1, wherein the information transmitted to the payment provider comprises an identity of the second user in the communication system.

6. The computing device of claim 1, wherein the receiving the selection of the payment transfer option comprises receiving a selection of a payment transfer button that is displayed in the graphical user interface.

7. The computing device of claim 1, wherein the transmitting information to the payment provider is effective to cause the payment provider to initiate transfer of the payment amount from the account of the user to the account of the second user by linking together second authorization information of the second user in the communication system with second authorization information of the second user in the payment provider.

8. The computing device of claim 7, wherein transmitting information to the payment provider is effective to cause the payment provider to link together the second authorization information of the second user in the communication system with the second authorization information of the second user in the payment provider by storing the second authorization information of the second user in the communication system and the second authorization information of the second user in a payment provider server at a network node.

9. The computing device of claim 8, wherein the second authorization information of the second user in the communication system is a communication system user name of the second user, and wherein the second authorization information of the second user in said payment provider server is a payment provider user name of the second user.

10. A computer-implemented method comprising:

establishing at a first computing device associated with a first user an instant messaging communication session with a second computing device associated with a second user over a communication system;

causing a display of a graphical user interface on a display of the first computing device, the graphical user interface associated with a client application that enables the instant messaging communication session;

receiving a selection of a payment transfer option in the graphical user interface displayed on the display of the first computing device;

causing a presentation of a graphical user interface (GUI) of a payment provider that solicits account login credentials of the first user for the payment provider;

causing a linking of a portion of the account login credentials of an account of the first user for the payment provider with a portion of the account login credentials of the first user for the communication system;

receiving a payment amount entered into the graphical user interface displayed on the display of the first computing device; and

within the instant messaging communication session, transmitting information to the payment provider, the information configured to cause transfer of the payment amount from the account of the first user for the payment provider to a payment account of the second user based upon the linking of the account login credentials of the first user for the payment provider with the account login credentials of the first user for the communication system.

11. The computer-implemented method of claim 10, wherein the information transmitted to the payment provider comprises payment provider authorization information for the first user.

12. The computer-implemented method of claim 11, wherein the payment provider authorization information for the first user comprises a payment provider username and a payment provider password.

13. The computer-implemented method of claim 10, wherein the information transmitted to the payment provider comprises at least one of an indication of the payment amount or a currency of the payment amount.

14. The computer-implemented method of claim 10, wherein the information transmitted to the payment provider comprises an identity of the second user in the communication system.

15. The computer-implemented method of claim 10, wherein the receiving the selection of the payment transfer option comprises receiving a selection of a payment transfer button that is displayed in the graphical user interface.

16. The computer-implemented method of claim 10, wherein the transmitting information to the payment provider is effective to cause the payment provider to initiate transfer of the payment amount from the account of the first user to the account of the second user by linking together second authorization information of the second user in the communication system with second authorization information of the second user in the payment provider.

17. The computer-implemented method of claim 16, wherein transmitting information to the payment provider is effective to cause the payment provider to link together the second authorization information of the second user in the communication system with the second authorization information of the second user in the payment provider by storing the authorization information of the second user in the communication system and the second authorization information of the second user in a payment provider server at a network node.

18. The computer-implemented method of claim 17, wherein:

the second authorization information of the second user in the communication system is a communication system user name of the second user; and

the second authorization information of the second user in the payment provider server is a payment provider user name of the second user.