Confirming local marketplace transaction consummation for online payment consummation

• US 10,176,479 B2
• Filed: 12/10/2015
• Issued: 01/08/2019
• Est. Priority Date: 10/27/2011
• Status: Active Grant

• Current Assignee: Boom! Payments, Inc.
• Original Assignee: Boom! Payments, Inc.
• Inventors: Bogaard, Erik T.
• Primary Examiner(s): Rosen, Nicholas D
• Application Number:
  US14/965,332
• Publication Number:
  US 20160098721A1
• Time in Patent Office: 1,125 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G06Q 30/0613 Third-party assisted

Abstract

Exemplary embodiment of the present invention would provide systems, including Internet-based systems, and computer-implemented methods, for providing online Buyers and Sellers who physically transact an exchange of an item at a local meeting place, indicia of confirmation of the exchange on which to base a background online payment. In particular, exemplary embodiments of the present invention would provide a way for Buyers and/or Sellers to input an identifier for online authentication to confirm that a physical exchange of an item sold had been transacted and that would accordingly provide an online system with a basis to charge the relevant Buyer'"'"'s account for a sale amount and pay the Seller for the item sold.

Claims

1. A method for confirming that a proposed payment transaction between a buyer and a seller has been authorized by the buyer where a buyer computer device, and at least a first point-of-sale computer device communicate with a transaction management system, said transaction management system comprising at least a first computer device, said method comprising:

executing executable computer program instructions that are operably installed on said buyer computer device that instruct said buyer computer device to receive a transaction-specific identifier from said transaction management system and transmit said transaction-specific identifier to a point-of-sale computer device;

executing executable computer program instructions that are operably installed on said at least a first computer device of said transaction management system that instruct said transaction management system, prior to a purchase of an at least one item by a particular buyer, to receive a buyer request by said particular buyer transmitted by said buyer computer device for said particular buyer to be able to pay for at least one item for sale by a seller recognized by said transaction management system, and in response to said buyer request, and that further instruct said transaction management system to generate a transaction-specific identifier, and make said transaction-specific identifier available to said buyer computer device for a particular payment transaction regarding said at least one item to be purchased by the particular buyer;

executing further executable computer program instructions that are operably installed on said at least a first computer device of said transaction management system that instruct said transaction management system to store in a computer-accessible memory a record comprising a relationship between said transaction-specific identifier, and a buyer-specific identifier corresponding to said particular buyer;

executing said executable program instructions that are operably installed on said buyer computer device that instruct said buyer computer device to provide said transaction-specific identifier and the buyer-specific identifier to a first point-of-sale computer device of said at least a first point-of-sale computer device;

executing further executable computer program instructions that are operably installed on said at least a first computer device of said transaction management system that instruct said transaction management system to receive from said first point-of-sale computer device an identifier of the transaction, an identifier of the buyer, and an identifier of the seller;

executing further executable computer program instructions that are operably installed on said at least a first computer device of said transaction management system that instruct said transaction management system to search a database of authorized sellers for the identifier of the seller, and if the identifier of the seller is found on the database of authorized sellers, compare the identifier of the transaction and the identifier of the buyer with said transaction-specific identifier and said buyer-specific identifier; and

if said identifier of the transaction matches the transaction-specific identifier, and said identifier of the buyer matches the buyer-specific identifier, then executing further executable computer program instructions that are operably installed on said at least a first computer device of said transaction management system that instruct said transaction management system to confirm that the buyer has authorized the particular payment transaction.

2. A computer system comprising a mobile computer program application, an at least a first computer device, and an at least a first server computer device, wherein:

said mobile computer program application is operably installed on a buyer mobile computer device, said mobile computer program application comprising executable program instructions instructing said buyer mobile computer device to receive a transaction-specific identifier and make said transaction-specific identifier available to a seller computer device;

prior to a purchase of an at least one item by a particular buyer, said at least a first computer device programmed to receive a buyer request by said particular buyer transmitted by said buyer mobile computer device for said particular buyer to be able to pay for at least one item for sale by a seller recognized by the computer system, and in response to said buyer request, generate a transaction-specific identifier, and make said transaction-specific identifier available to said buyer mobile computer device for a particular payment transaction regarding said at least one item to be purchased by the particular buyer;

said at least a first computer device further programmed to store in a computer-accessible memory a record comprising a relationship between said transaction-specific identifier, and a buyer-specific identifier corresponding to said particular buyer;

said executable program instructions instructing said buyer mobile computer device to provide said transaction-specific identifier and the buyer-specific identifier to said seller computer device;

said at least a first server computer device programmed to receive from said seller computer device an identifier of the transaction, an identifier of the buyer, and an identifier of the seller;

said at least a first server computer device further programmed to search a database of authorized sellers for the identifier of the seller, and if the identifier of the seller is found on the database of authorized sellers, compare the identifier of the transaction and the identifier of the buyer with said transaction-specific identifier and said buyer-specific identifier; and

if said identifier of the transaction matches the transaction-specific identifier, and said identifier of the buyer matches the buyer-specific identifier then said at least a first server computer device further programmed to confirm that the buyer has authorized the particular payment transaction.