Method and system for facilitating a transaction

• US 10,217,124 B2
• Filed: 02/27/2017
• Issued: 02/26/2019
• Est. Priority Date: 06/19/2008
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Keithley, Thomas H.
• Primary Examiner(s): Hamilton, Lalita M
• Application Number:
  US15/444,202
• Publication Number:
  US 20170236144A1
• Time in Patent Office: 729 Days
• CPC Class Codes: G06F 16/9535 Search customisation based on user profiles and personalisation
• CPC Class Codes: G06Q 20/22 Payment schemes or models
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 50/10 Services

Abstract

Provided is a system for facilitating a transaction between at least one merchant and at least one consumer. The system includes at least one transaction portal located in a network environment, where the at least one transaction portal associated with at least one consumer affinity. The consumer affinity is an entity, a cause, an affiliation, an organization, a concept, a benefit, an association and/or a sponsor or any combination thereof. The system further includes a communication system for facilitating the transmission of data between the transaction portal, the at least one merchant, the at least one consumer, an entity associated with the consumer affinity or any combination thereof. Also provided is a matching system, a method for facilitating a transaction between at least one merchant and at least one consumer and a method for facilitating a credit-based transaction between at least one merchant and at least one consumer.

Claims

1. A system comprising:

a non-transitory memory; and

one or more hardware processors in communication with the non-transitory memory and configured to read machine-executable instructions from the non-transitory memory to cause the system to perform operations comprising;

transmitting, over a network connection, a communication to a device, causing a presentation of a transaction portal associated with a consumer affinity entity, the transactional portal comprising;

a transaction portion configured to allow a user to select items for a transaction, the transaction portion generated by accessing merchant data from a transaction database;

a catalog portion configured to set or modify affinities of the user, wherein the catalog portion is generated by matching the consumer affinity entity with an affinity of the user based on affinity data accessed from an affinity database, and wherein the catalog portion is configured to receive a user input specifying one or more items of the transaction that confers a benefit to the consumer affinity entity; and

a payment portion configured to process a transaction and transmit transaction data to a transactional system;

receiving, over the network connection from the transaction portion, a selection of one or more items associated with a first transaction;

receiving, over the network connection from the catalog portion, a selection of at least one of the one or more items; and

determining a benefit for the consumer affinity entity in response to the selection of the at least one of the one or more items from the catalog portion.

2. The system of claim 1, wherein the benefit is for a specific consumer affinity entity from a plurality of consumer affinity entities.

3. The system of claim 1, wherein the operations further comprise:

matching the merchant to the consumer affinity entity using the affinity data.

4. The system of claim 1, wherein the consumer affinity entity is the merchant and the merchant is identified based on a merchant business plan.

5. The system of claim 1, wherein the benefit for the consumer affinity entity is paid by the merchant.

6. The system of claim 1, wherein the device is a kiosk.

7. The system of claim 1, wherein the benefit includes a monetary percentage of a transaction amount.

8. A method comprising:

presenting, on a display of a device, a transaction portal associated with a consumer affinity entity, wherein the transactional portal comprises;

a transaction portion configured to allow a user to select items for a transaction, the transaction portion generated by accessing merchant data from a transaction database;

a catalog portion configured to set or modify affinities of the user, wherein the catalog portion is generated by matching a consumer affinity entity with an affinity of the user based on affinity data accessed from an affinity database, and wherein the catalog portion is configured to receive a user input specifying one or more items of the transaction that confers a benefit to the consumer affinity entity; and

a payment portion configured to process a transaction and transmit transaction data to a transactional system;

accessing, via a first user input on the display of the device, an item for purchase from a merchant affiliated with the consumer affinity entity through the transaction portion;

transmitting, over a network connection, a selection of the item from the merchant;

receiving a user request to access the catalog portion;

receiving, via a second user input on the display of the device, a selection of the item from the catalog portion; and

presenting, on the display of the device, a notification indicating a benefit for the consumer affinity entity, the benefit presented determined in response to the transaction for purchase.

9. The method of claim 8, wherein the benefit is determined for a specific consumer affinity entity from a plurality of consumer affinity entities.

10. The method of claim 8, wherein the merchant is matched to the consumer affinity entity using the affinity data.

11. The method of claim 8, wherein the consumer affinity entity is the merchant and the merchant is identified based on a merchant business plan.

12. The method of claim 8, wherein the benefit for the consumer affinity entity is paid by the merchant.

13. The method of claim 8, further comprising receiving, the user, one or more consumer affinity entities for receipt of the benefit.

14. The method of claim 8, wherein the benefit includes a monetary percentage of a transaction amount.

15. A non-transitory machine-readable medium having instructions stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

presenting, on a display of a device, a transaction portal associated with a consumer affinity entity, wherein the transactional portal comprises;

a transaction portion configured to allow a user to select items for a transaction, the transaction portion generated by accessing merchant data from a transaction database;

a catalog portion configured to set or modify affinities of the user, wherein the catalog portion is generated by matching a consumer affinity entity with an affinity of the user based on affinity data accessed from an affinity database, and wherein the catalog portion is configured to receive a user input specifying one or more items of the transaction that confers a benefit to the consumer affinity entity; and

a payment portion configured to process a transaction and transmit transaction data to a transactional system;

accessing, via a first user input on the display of the device, an item for purchase from a merchant affiliated with the consumer affinity entity through the transaction portion;

transmitting, over a network connection, a selection of the item from the merchant;

receiving a user request to access the catalog portion;

receiving, via a second user input on the display of the device, a selection of the item from the catalog portion; and

presenting, on the display of the device, a notification indicating a benefit for the consumer affinity entity, the benefit presented determined in response to the transaction for purchase.

16. The non-transitory machine-readable medium of claim 15, wherein the benefit is determined for a specific consumer affinity entity from a plurality of consumer affinity entities.

17. The non-transitory machine-readable medium of claim 15, wherein the merchant is matched to the consumer affinity entity using the affinity data.

18. The non-transitory machine-readable medium of claim 15, wherein the consumer affinity entity is the merchant and the merchant is identified based on a merchant business plan.

19. The non-transitory machine-readable medium of claim 15, wherein the benefit for the consumer affinity entity is paid by the merchant.

20. The non-transitory machine-readable medium of claim 15, wherein the operations further comprise receiving, from the user, one or more consumer affinity entities for receipt of the benefit.