System and method for performing an electronic transaction using a transaction proxy with an electronic wallet
First Claim
1. A method for performing an electronic transaction comprising:
- offering a product for purchase from a merchant;
receiving selection data identifying the product in an electronic portal from an interface-enabled communications device;
providing product information data comprising information describing at least one aspect of the product to the interface-enabled communications device;
receiving shipping detail data comprising instructions related to shipping the product to a designated recipient;
receiving payment option data comprising information describing a desired means of payment for the product;
transmitting payment authorization to a payment processor, wherein the payment authorization comprises purchaser identifying data and merchant identifying data identifying the merchant; and
transmitting order information to the merchant, wherein the order information comprises payment option data and shipping detail data.
1 Assignment
0 Petitions
Accused Products
Abstract
Methods and systems for performing electronic transactions are provided. Product selection data identifying a product for purchase is received in an electronic portal from an interface-enabled communications device, such as a browser-enabled wireless telephone, via a communications gateway. The portal interfaces with an electronic wallet associated with the operator of the communications device to provide shipping detail data and payment option data to the merchant offering the product for purchase. The portal provides settlement data to a payment processor, such as the issuer of the operator'"'"'s credit card. The processor settles with the merchant. Additionally, systems and methods for person-to-person payment employing the portal is provided. Moreover, such methods and systems are provided wherein the operator of the portal and an operator of an electronic communications gateway, such as a mobile telephone network, enter into a joint venture in providing the portal and related services.
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Citations
70 Claims
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1. A method for performing an electronic transaction comprising:
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offering a product for purchase from a merchant;
receiving selection data identifying the product in an electronic portal from an interface-enabled communications device;
providing product information data comprising information describing at least one aspect of the product to the interface-enabled communications device;
receiving shipping detail data comprising instructions related to shipping the product to a designated recipient;
receiving payment option data comprising information describing a desired means of payment for the product;
transmitting payment authorization to a payment processor, wherein the payment authorization comprises purchaser identifying data and merchant identifying data identifying the merchant; and
transmitting order information to the merchant, wherein the order information comprises payment option data and shipping detail data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 28, 29, 30, 31, 32, 33, 34, 35, 37, 38, 39, 40, 41, 42, 43, 44, 45, 47, 48, 49, 50, 51, 52, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70)
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27. A method for performing an electronic transaction, comprising:
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providing a shopping and check-out application in communication with a merchant server associated with a merchant, wherein the shopping and check-out application is in communication with a product database of the merchant and an order fulfillment system of the merchant;
providing an electronic portal in communication with the merchant server and a communications gateway, wherein the communications gateway is in communication with an interface-enabled communications device operated by a user and wherein the communications gateway comprises at least one of the following;
wireless telephone internet service provider and fixed-line telephone internet service provider;
providing an online authorization and settlement gateway in communication with at least one financial institution that issues a payment account of the user;
receiving a product code from the interface-enabled communication device;
providing the interface-enabled communications device access to product data of the merchant associated with the product code via the communications gateway;
receiving user-identifying data and a purchase-selection data from the interface-enabled communications device;
communicating with an electronic wallet associated with the user-identifying data;
receiving transaction data in the electronic wallet from the interface-enabled communications device, wherein the transaction data comprises at least one of the following;
payment method data, shipping data, and payment account data;
requesting payment authorization from a payment account issuer associated with the transaction data;
transmitting the user-identifying data and the purchase-selection data to the order fulfillment system of the merchant;
receiving confirmation of order receipt from the merchant; and
providing settlement data associated with the purchase-selection data to the payment account issuer.
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36. A method for performing an electronic transaction, comprising:
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receiving at an electronic portal a request for person-to-person payment from a first interface-enabled communications device;
receiving at the electronic portal communication from the first interface-enabled communications device comprising identification of a second communications device;
receiving a transfer amount and payment method data in the electronic portal from the first interface-enabled communications device;
determining a payment account issuer associated with the user of the first interface-enabled communications device;
determining an account associated with the user of the second interface-enabled communications device; and
sending a transfer authorization from the electronic portal to the payment account issuer comprising a money transfer request requesting a money transfer of the transfer amount from an account of the user of the first interface-enabled communications device to the account associated with the user of the second communications device.
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46. A system for performing an electronic transaction comprising:
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means for offering a product for purchase from a merchant;
means for receiving selection data identifying the product in an electronic portal from an interface-enabled communications device;
means for providing product information data comprising information describing at least one aspect of the product to the interface-enabled communications device;
means for receiving shipping detail data comprising instructions related to shipping the product to a designated recipient;
means for receiving payment option data comprising information describing a desired means of payment for the product;
means for transmitting payment authorization to a payment processor, wherein the payment authorization comprises purchaser identifying data and merchant identifying data identifying the merchant; and
means for transmitting order information to the merchant, wherein the order information comprises payment option data and shipping detail data.
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53. A system for performing an electronic transaction comprising:
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means for providing a shopping and check-out application in communication with a merchant server associated with a merchant, wherein the shopping and check-out application is in communication with a product database of the merchant and an order fulfillment system of the merchant;
means for providing an electronic portal in communication with the merchant server and a communications gateway, wherein the communications gateway is in communication with an interface-enabled communications device operated by a user and wherein the communications gateway comprises at least one of the following;
wireless telephone internet service provider and fixed-line telephone internet service provider;
means for providing an online authorization and settlement gateway in communication with at least one financial institution that issues a payment account of the user;
means for receiving a product code from the interface-enabled communication device;
means for providing the interface-enabled communications device access to product data of the merchant associated with the product code via the communications gateway;
means for receiving user-identifying data and a purchase-selection data from the interface-enabled communications device;
means for communicating with an electronic wallet associated with the user-identifying data;
means for receiving transaction data in the electronic wallet from the interface-enabled communications device, wherein the transaction data comprises at least one of the following;
payment method data, shipping data, and payment account data;
requesting payment authorization from a payment account issuer associated with the transaction data;
means for transmitting the user-identifying data and the purchase-selection data to the order fulfillment system of the merchant;
means for receiving confirmation of order receipt from the merchant; and
means for providing settlement data associated with the purchase-selection data to the payment account issuer. - View Dependent Claims (54, 55, 57, 58, 59, 60)
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56. A system for performing an electronic transaction comprising:
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means for receiving at an electronic portal a request for person-to-person payment from a first interface-enabled communications device;
means for receiving at the electronic portal communication from the first interface-enabled communications device comprising identification of a second communications device;
means for receiving a transfer amount and payment method data in the electronic portal from the first interface-enabled communications device;
means for determining a payment account issuer associated with the user of the first interface-enabled communications device;
means for determining an account associated with the user of the second interface-enabled communications device; and
means for sending a transfer authorization from the electronic portal to the payment account issuer comprising a money transfer request requesting a money transfer of the transfer amount from an account of the user of the first interface-enabled communications device to the account associated with the user of the second communications device.
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Specification