Technique of registration for and direction of electronic payments in real-time
First Claim
Patent Images
1. A method for making payments via a network, comprising:
- receiving, by a payment service provider, information identifying a network user, information identifying a payment account associated with the network user, and a payment request to execute a payment on behalf of the network user, the network user being previously unknown to the payment service provider;
processing the received information identifying the network user and the received information identifying the payment account to verify the received information;
processing the received information identifying the network user and the received information identifying the payment account to generate a unique user identifier associated with the network user;
storing the received information identifying the network user and the received information identifying the payment account in association with the generated unique user identifier; and
if the received information is verified, directing a debit from the identified payment account associated with the network user to execute the payment without the network user transmitting the unique user identifier to the payment service provider.
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Accused Products
Abstract
A system, method, and article of manufacture for making payments on a network by a payment service provider. The service provider receives information identifying both a network user and the network user'"'"'s bank account, and a request to make a payment on behalf of the network user. This information is processed for verification. A unique user identifier is also generated. The information and the unique user identifier are stored together. If the information is verified, a debit is made from the network user'"'"'s bank account without the network user having to provide the unique user identifier to the payment service
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Citations
22 Claims
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1. A method for making payments via a network, comprising:
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receiving, by a payment service provider, information identifying a network user, information identifying a payment account associated with the network user, and a payment request to execute a payment on behalf of the network user, the network user being previously unknown to the payment service provider;
processing the received information identifying the network user and the received information identifying the payment account to verify the received information;
processing the received information identifying the network user and the received information identifying the payment account to generate a unique user identifier associated with the network user;
storing the received information identifying the network user and the received information identifying the payment account in association with the generated unique user identifier; and
if the received information is verified, directing a debit from the identified payment account associated with the network user to execute the payment without the network user transmitting the unique user identifier to the payment service provider. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system for making payments via a network, comprising:
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a first network station configured to transmit information identifying a network user, information identifying a payment account associated with the network user, and a payment request to execute a payment on behalf of the network user; and
a second network station associated with a payment service provider and configured to (1) receive the transmitted information identifying the network user, the transmitted information identifying the payment account, and the transmitted payment request, the network user being previously unknown to the payment service provider, (2) process the received information identifying the network user and the received information identifying the payment account to verify the received information, (3) process the received information identifying the network user and the received information identifying the payment account to generate a unique user identifier associated with the network user, (4) store the received information identifying the network user and the received information identifying the payment account in association with the generated unique user identifier, and (5) if the received information is verified, direct a debit from the payment account associated with the network user to execute the payment without the network user causing the unique identifier to be transmitted. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15, 17, 18, 19, 20, 21, 22)
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16. An article of manufacture for making payments via a network, the article of manufacture comprising:
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a computer readable medium; and
computer programming stored on the medium;
wherein the stored computer programming is configured to be readable from the computer readable medium by a computer to thereby cause the computer to operate so as to;
receive information identifying a network user, information identifying a payment account associated with the network user, and a payment request to execute a payment on behalf of the network user, the computer associated with a payment service provider and the network user being previously unknown to the payment service provider;
process the received information identifying the network user and the received information identifying the payment account to verify the received information;
process the received information identifying the network user and the received information identifying the payment account to generate a unique user identifier associated with the network user;
store the received information identifying the network user and the received information identifying the payment account in association with the generated unique user identifier; and
if the received information is verified, direct a debit from the identified payment account associated with the network user to execute the payment without the network user transmitting the unique user identifier to the computer associated with the payment service provider.
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Specification