Payment via financial service provider using network-based device

• US 20060229998A1
• Filed: 03/31/2005
• Published: 10/12/2006
• Est. Priority Date: 03/31/2005
• Status: Abandoned Application

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Harrison, Mark, Finley, Mauria
• Application Number:
  US11/095,411
• Publication Number:
  US 20060229998A1
• Time in Patent Office: Days
• US Class Current: 705/78
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/325 using wireless networks
• 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 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0256 User search
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]
• CPC Class Codes: H04L 67/04 specially adapted for terminals or networks with limited capabilities; specially adapted for terminal portability
• CPC Class Codes: H04L 67/53 using third party service providers

Abstract

A system includes an interface to receive a request associated with a third party at a financial service provider from a network-based device via a network. The network-based device is associated with a user. The system further includes a payment transfer module, responsive to receiving the request, to transfer a payment from the user to the third party via the financial service provider.

Claims

1. A system comprising:

an interface to receive an identifier associated with a third party at a financial service provider from a network-based device via a network, the network-based device being associated with a user; and

a payment transfer module, responsive to receiving the identifier, to automatically transfer a payment from the user to the third party via the financial service provider.

2. The system of claim 1 wherein the identifier includes a first identifier and the interface is to receive a second identifier, wherein the second identifier is associated with the network-based device, and wherein the payment transfer module is to determine an identity of the user utilizing the second identifier.

3. The system of claim 1 wherein the identifier is selected from a group including an alphanumeric code, a bar code, an electronic product code, a symbol, and a wireless signal.

4. The system of claim 1 further comprising a network-based system to publish a listing offering an offer for sale by the third party, wherein the offer is associated with the identifier and is selected from a group including a product offered by the third party, a service offered by a third party, and a promotion of the third party.

5. The system of claim 1 wherein the network-based device is selected from a group including a mobile device, a palmtop computer, a laptop computer, a desktop computer, a personal digital assistant, a cellular telephone, a communications device, a wireless telephone, a land-line telephone, a control system, a camera, a scanner, a reader, a television, cable, a facsimile machine, a printer, a pager, and a personal trusted device.

6. The system of claim 1 further comprising a database with payment information associated with the user and with an address destination associated with the user, wherein the database is accessible by the financial service provider.

7. A system comprising:

an interface to receive a request associated with a third party at a financial service provider from a network-based device via a network, the network-based device being associated with a user; and

a payment transfer module, responsive to receiving the request, to automatically transfer a payment from the user to the third party via the financial service provider.

8. The system of claim 7 wherein the interface is to receive a user identifier, associated with the network-based device, and wherein the payment transfer module is to determine an identity of the user utilizing the user identifier.

9. The system of claim 7 wherein the payment is in connection with the request and the financial service provider is to debit a user account and is to credit a third party account accordingly.

10. The system of claim 7 further comprising a search interface to accept search criteria from the user and to generate a published listing, wherein the published listing includes at least one offer from the third party, wherein the offer is associated with the request and is selected from a group including a product offered by the third party, a service offered by a third party, and a promotion of the third party.

25. A machine-readable medium storing a sequence of instructions that, when executed by a computer, cause the computer to perform the method of claim 7.

11. A method comprising:

receiving a request associated with a third party at a financial service provider from a network-based device via a network, the network-based device being associated with a user; and

responsive to receiving the request, automatically transferring a payment from the user to the third party via the financial service provider.

12. The method of claim 11 wherein the payment relates to at least one of a product offered by the third party, a service offered by the third party, and a promotion of the third party.

13. The method of claim 12 wherein transferring the payment includes the financial service provider debiting an account associated with the user and crediting an account associated with the third party.

14. The method of claim 11 wherein the financial services provider verifies the request and sends associated order information to the third party.

15. The method of claim 11 wherein the network-based device is selected from a group including a mobile device, a palmtop computer, a laptop computer, a desktop computer, a personal digital assistant, a cellular telephone, a communications device, a telephone with a web browser, a wireless telephone, a land-line telephone, a control system, a camera, a reader, a television, a scanner, a facsimile machine, a printer, a pager, and a personal trusted device.

16. The method of claim 11 further comprising establishing a communication session between the user and the financial service provider via the network when the financial service provider receives the request.

17. The method of claim 11 further comprising automatically determining user identification at the financial service provider upon receipt of a user identifier associated with the network-based device.

18. The method of claim 11 wherein the request comprises a code, the method further comprising using a short messaging service to communicate the request.

19. The method of claim 11 further comprising using interactive voice response to communicate the request.

20. The method of claim 11 further comprising executing an application on the network-based device, wherein the application is supported by the financial service provider, and submitting the request in response to a prompt associated with the application.

21. The method of claim 11 further comprising providing information selected from a group including shipment information and payment confirmation information from the financial service provider to the third party, responsive to receiving the request.

23. The method of claim 11 further comprising publishing a listing of at least one offer from the third party, wherein the offer is associated with the request and is selected from a group including a product offered by the third party, a service offered by a third party, and a promotion of the third party.

24. The method of claim 23 further comprising accepting search criteria from the user to generate the published listing.

22. (canceled)

26. A system comprising:

means for receiving a request at a financial service provider from a network-based device, the network-based device being associated with a user, the request being associated with a third party; and

means for automatically transferring a payment from the user to the third party via the financial service provider, responsive to receiving the request.

27. The system of claim 26 wherein the means for receiving includes an interface receiving the request for a third party offer via a network, wherein the means for automatically transferring includes a payment transfer module, wherein the system further comprises means for sending information selected from the group including shipment information and payment confirmation.

28. The system of claim 26 wherein the means for receiving includes a response to a near field communication.