Confirming local marketplace transaction consummation for online payment consummation

• US 10,346,840 B2
• Filed: 12/06/2018
• Issued: 07/09/2019
• Est. Priority Date: 10/27/2011
• Status: Expired due to Fees

• Current Assignee: Boom! Payments, Inc.
• Original Assignee: Boom! Payments, Inc.
• Inventors: Bogaard, Erik T.
• Primary Examiner(s): Rosen, Nicholas D
• Application Number:
  US16/212,317
• Publication Number:
  US 20190108527A1
• Time in Patent Office: 215 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. An Internet-based computer system for confirming that a proposed sale transaction has been consummated, said Internet-based computer system including a payment processor system comprising at least one computer device programmed to:

receive a buyer'"'"'s payment information and store said payment information;

prior to a sale of an at least one item associated with an online store of a seller to said buyer, receive, at said payment processor system, a request transmitted from a buyer computer device for said buyer to be able to purchase at least one item offered for sale by said online store;

in response to said request, generate a transaction-specific buyer acceptance identifier comprising a combination of human-readable characters;

provide said transaction-specific buyer acceptance identifier to said buyer computer device;

store in computer-accessible memory associated with said payment processor system a record comprising a relationship between said transaction-specific buyer acceptance identifier, a buyer-specific identifier, and a seller-specific identifier;

receive from a seller computer device an identifier of the transaction, an identifier of the buyer, and an identifier of the seller;

compare the identifier of the transaction with the transaction-specific buyer acceptance identifier;

compare the identifier of the buyer with the buyer-specific identifier;

compare the identifier of the seller with the seller-specific identifier; and

if said identifier of the transaction corresponds to the transaction-specific buyer acceptance identifier, said identifier of the buyer corresponds to the buyer-specific identifier, and said identifier of the seller corresponds to the seller-specific identifier, charge an account associated with the buyer for an amount associated with the request to purchase at least one item offered for sale by said online store.

2. The system of claim 1, wherein providing said transaction-specific buyer acceptance identifier to said buyer computer device comprises sending said transaction-specific buyer acceptance identifier to a mobile phone of the buyer.

3. The system of claim 2, wherein providing said transaction-specific buyer acceptance identifier comprises sending a text message to the mobile phone of the buyer.

4. The system of claim 1, wherein providing said transaction-specific buyer acceptance identifier comprises providing a Personal Identification Number (PIN).

5. The system of claim 1, wherein the payment information comprises at least one of an account number, credit card payment information, debit card payment information, a bank identifier, or buyer identification information.

6. The system of claim 1, wherein said buyer computer device is a buyer mobile device.

7. The system of claim 1, wherein said payment processor system is implemented on a website of the online store.

8. The system of claim 1, wherein the payment information is reused for at least one subsequent transaction.

9. The system of claim 1, wherein said payment information is received from said seller computer device;

and wherein said request is received from said seller computer device.

10. A computer implemented method for confirming that a proposed sale transaction has been consummated, performed by a payment processor system, the method comprising:

receiving a buyer'"'"'s payment information and storing said payment information;

prior to a sale of at least one item associated with an online store of a seller to said buyer, receiving, at said payment processor system, a request transmitted from a buyer computer device for said buyer to be able to purchase at least one item offered for sale by said online store;

in response to said request, generating a transaction-specific buyer acceptance identifier comprising a combination of human-readable characters that correspond to a transaction-specific identifier;

providing said transaction-specific buyer acceptance identifier to said buyer computer device;

storing in a computer-accessible memory, associated with said payment processor system, a record comprising a relationship between said transaction-specific buyer acceptance identifier, a buyer-specific identifier, and a seller-specific identifier;

receiving from a seller computer device an identifier of the transaction, an identifier of the buyer, and an identifier of the seller;

comparing the identifier of the transaction with the transaction-specific buyer acceptance identifier;

comparing the identifier of the buyer with the buyer-specific identifier;

comparing the identifier of the seller with the seller-specific identifier; and

if said identifier of the transaction corresponds to the transaction-specific buyer acceptance identifier, said identifier of the buyer corresponds to the buyer-specific identifier, and said identifier of the seller corresponds to the seller-specific identifier, charging an account associated with the buyer for an amount associated with the request to purchase at least one item offered for sale by said online store.

11. The method of claim 10, wherein providing said transaction-specific buyer acceptance identifier to said buyer computer device comprises sending said transaction-specific buyer acceptance identifier to a mobile phone of the buyer.

12. The method of claim 11, wherein providing said transaction-specific buyer acceptance identifier comprises sending a text message to the mobile phone of the buyer.

13. The method of claim 10, wherein providing said transaction-specific buyer acceptance identifier comprises providing a Personal Identification Number (PIN).

14. The method of claim 10, wherein the payment information comprises at least one of an account number, credit card payment information, debit card payment information, a bank identifier, and buyer identification information.

15. The method of claim 10, wherein said buyer computer device is a buyer mobile device.

16. The method of claim 10, wherein said payment processor system is implemented on a website of the online store.

17. The method of claim 10, wherein the payment information is reused for at least one subsequent transaction.

18. The method of claim 10, wherein said payment information is received from said seller computer device;

and wherein said request is received from said seller computer device.

19. An Internet-based computer system for confirming that a proposed sale transaction has been consummated, said Internet-based computer system including a payment processor system comprising at least one computer device programmed to:

receive a buyer'"'"'s payment information and store said payment information, wherein the payment information comprises at least one of an account number, credit card payment information, debit card payment information, a bank identifier, or buyer identification information;

prior to a sale of an at least one item associated with an online store of a seller to said buyer, receive at said payment processor system a request transmitted from a buyer computer device for said buyer to be able to purchase at least one item offered for sale by said online store;

in response to said request, generate a transaction-specific buyer acceptance identifier comprising a combination of human-readable characters;

send said transaction-specific buyer acceptance identifier as a text message, which comprises a Personal Identification Number (PIN), to a mobile device of said buyer, wherein said mobile device of said buyer and said buyer computer device may be the same or different;

store in computer-accessible memory, associated with said payment processor system, a record comprising a relationship between said transaction-specific buyer acceptance identifier, a buyer-specific identifier, and a seller-specific identifier;

receive from a seller computer device an identifier of the transaction, an identifier of the buyer, and an identifier of the seller;

compare the identifier of the transaction with the transaction-specific buyer acceptance identifier;

compare the identifier of the buyer with the buyer-specific identifier;

compare the identifier of the seller with the seller-specific identifier; and

if said identifier of the transaction corresponds to the transaction-specific buyer acceptance identifier, said identifier of the buyer corresponds to the buyer-specific identifier, and said identifier of the seller corresponds to the seller-specific identifier, charge an account associated with the buyer for an amount associated with the request to purchase at least one item offered for sale by said online store.

20. A computer implemented method for confirming that a proposed sale transaction has been consummated, performed by a payment processor system, the method comprising:

receiving a buyer'"'"'s payment information and storing said payment information, wherein the payment information comprises at least one of an account number, credit card payment information, debit card payment information, a bank identifier, or buyer identification information;

prior to a sale of an at least one item associated with an online store of a seller to said buyer, receiving at said payment processor system a request transmitted from a buyer computer device for said buyer to be able to purchase at least one item offered for sale by said online store;

in response to said request, generating a transaction-specific buyer acceptance identifier comprising a combination of human-readable characters;

sending said transaction-specific buyer acceptance identifier as a text message, which comprises a Personal Identification Number (PIN), to a mobile device of said buyer, wherein said mobile device of said buyer and said buyer computer device may be the same or different;

storing in computer-accessible memory, associated with said payment processor system, a record comprising a relationship between said transaction-specific buyer acceptance identifier, a buyer-specific identifier, and a seller-specific identifier;

receiving from a seller computer device an identifier of the transaction, an identifier of the buyer, and an identifier of the seller;

comparing the identifier of the transaction with the transaction-specific buyer acceptance identifier;

comparing the identifier of the buyer with the buyer-specific identifier;

comparing the identifier of the seller with the seller-specific identifier; and

if said identifier of the transaction corresponds to the transaction-specific buyer acceptance identifier, said identifier of the buyer corresponds to the buyer-specific identifier, and said identifier of the seller corresponds to the seller-specific identifier, charging an account associated with the buyer for an amount associated with the request to purchase at least one item offered for sale by said online store.