On-line cash register for use in providing a consumer-to-consumer payment service
7 Assignments
0 Petitions
Accused Products
Abstract
A method for enabling two individual consumers to complete a transaction that includes payment from one consumer (the payor, or buyer) to another consumer (the payee, or seller). An intermediary typically operates the service over a computer network of nodes, such as the Internet. The buyer has the convenience of paying through a variety of different payment instruments. Likewise, the seller has the convenience of receiving payment through a variety of different disbursement instruments. For a fee, the intermediary collects the payment from the buyer and pays the seller. Although the intermediary may receive payment from the buyer before the intermediary transfers the payment to the seller, the intermediary may choose to pay the seller before receiving payment from the buyer. In this case, the intermediary assumes the risk of nonpayment by the buyer. Alternatively, the intermediary may pay a third party that specializes in processing transactions for the payment instrument chosen by the buyer to assume the risk of nonpayment by the buyer. In this case, the intermediary receives a promise of payment from the third party before the intermediary pays the seller. Such a promise of payment from the third party is referred to as an authorization.
77 Citations
193 Claims
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1-31. -31. (canceled)
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32. In an online commerce system including a buyer computer operated by a buyer, a seller computer operated by a seller, and a transaction facilitator comprising a network-accessible transaction computer that facilitates commercial transactions between buyers and sellers, a method for providing an online cash register on behalf of a seller so as to enable offering of one or more payment instrument types to a buyer in connection with a transaction between a buyer and a seller, comprising the computer-implemented steps of:
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receiving information from a seller computer indicative of a request for an online cash register, the information including identification information associated with a seller;
displaying information to a seller via the seller computer corresponding to a plurality of selectable payment instrument types that can be selected by the seller for offering to a buyer upon qualification;
receiving selection of at least one of the selectable payment instrument types from a seller;
displaying information via the seller computer requesting provision of underwriting assessment information from the seller that is required for qualification of the at least one selected payment instrument type;
receiving underwriting assessment information from the seller via the seller computer corresponding to the at least one selected payment instrument type;
based on the underwriting assessment information corresponding to the at least one selected payment instrument type, performing an underwriting assessment;
in response to receipt of an approval of the at least one selected payment instrument type, storing information indicating that the seller is permitted to offer the least one selected payment instrument type to a buyer in connection with a transaction facilitated by the transaction facilitator; and
thereafter displaying an online cash register to a buyer via the buyer computer, the online cash register comprising information corresponding to the at least one selected and permitted payment instrument type for selection by the buyer for use in connection with the transaction. - View Dependent Claims (33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53)
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54. In an online commerce system including a buyer computer operated by a buyer, a seller computer operated by a seller, and a transaction facilitator comprising a network-accessible transaction computer that facilitates commercial transactions between buyers and sellers, a method for effecting a payment from the buyer to the seller in connection with an online transaction utilizing an online cash register provided by payment enabling system operated by a payment enabler, comprising the computer-implemented steps of:
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receiving information from the transaction facilitator corresponding to transaction involving an agreement between the buyer and seller to sell goods to the buyer at a specified price;
assigning a unique reference number to the transaction;
determining any additional charges associated with the transaction;
displaying to the buyer via the buyer computer an online cash register on behalf of the seller, the online cash register offering one or more payment instrument types that can be selected by the buyer to make a payment in connection with the transaction;
displaying to the buyer via the buyer computer information corresponding to the transaction including the specified price, any additional charges, and the total price;
receiving from the buyer computer information corresponding to registration by the buyer of a payment instrument comprising a selection of one of the payment instrument types as to define a registered payment instrument;
receiving a command from the transaction computer corresponding to an instruction from the buyer to make a payment of a predetermined amount of money from the buyer to the seller in connection with the transaction;
effecting a transfer of at least the predetermined amount of money from the buyer through a selected registered payment instrument; and
effecting a transfer of a disbursement amount of money to the seller. - View Dependent Claims (55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70, 71, 72, 73, 74)
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75. In an online commerce system including a buyer computer operated by a buyer, a seller computer operated by a seller, and a transaction facilitator comprising a network-accessible transaction computer that facilitates commercial transactions between buyers and sellers, a method for effecting a payment from the buyer to the seller in connection with an online transaction utilizing an online cash register provided by payment enabling system operated by a payment enabler, comprising the computer-implemented steps of:
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receiving information from a seller computer indicative of a request for an online cash register, the information including identification information associated with a seller;
displaying information to a seller via the seller computer corresponding to a plurality of selectable payment instrument types that can be selected by the seller for offering to a buyer upon qualification;
receiving selection of at least one of the selectable payment instrument types from a seller, for offering to a buyer via an online cash register;
receiving information from the transaction facilitator corresponding to transaction involving an agreement between the buyer and seller to sell goods to the buyer at a specified price;
determining any additional charges associated with the transaction;
displaying to the buyer via the buyer computer an online cash register on behalf of the seller, the online cash register offering one or more permitted payment instrument types that can be selected by the buyer to make a payment in connection with the transaction;
displaying to the buyer via the buyer computer information corresponding to the transaction including the specified price, any additional charges, and the total price;
receiving from the buyer computer information corresponding to registration by the buyer of a payment instrument comprising a selection of one of the permitted payment instrument types as to define a registered payment instrument;
receiving a command from the transaction computer corresponding to an instruction from the buyer to make a payment of a predetermined amount of money from the buyer to the seller in connection with the transaction;
effecting a transfer of at least the predetermined amount of money from the buyer through a selected registered payment instrument; and
effecting a transfer of a disbursement amount of money to the seller. - View Dependent Claims (76, 77, 78, 79, 80, 81, 82, 83, 84, 85, 86, 87, 88, 89, 90, 91, 92, 93, 94, 95, 96, 97, 98, 99, 100, 101, 102, 103, 104, 105, 106, 107, 108, 109, 110, 111, 112)
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113. A system for providing an online cash register on behalf of a seller so as to enable offering of one or more payment instrument types to a buyer in connection with a transaction between a buyer and a seller, in connection with effecting payment for goods purchased by a buyer using a buyer computer system from a seller using a seller computer system in an online transaction facilitated by a transaction facilitator, the transaction facilitator operating a network-accessible transaction computer that facilitates commercial transactions between buyers and sellers, comprising:
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a payment enabling system;
an interface for data communications with the buyer computer;
an interface for data communications with the seller computer;
an interface for data communications with the transaction computer;
the payment enabling system receiving information from a seller computer indicative of a request for an online cash register, the information including identification information associated with a seller;
the payment enabling system displaying information to a seller via the seller computer corresponding to a plurality of selectable payment instrument types that can be selected by the seller for offering to a buyer upon qualification;
the payment enabling system receiving selection of at least one of the selectable payment instrument types from a seller;
the payment enabling system displaying information via the seller computer requesting provision of underwriting assessment information from the seller that is required for qualification of the at least one selected payment instrument type;
the payment enabling system receiving underwriting assessment information from the seller via the seller computer corresponding to the at least one selected payment instrument type;
based on the underwriting assessment information corresponding to the at least one selected payment instrument type, the payment enabling system performing an underwriting assessment;
in response to receipt of an approval of the at least one selected payment instrument type, the payment enabling system storing information indicating that the seller is permitted to offer the least one selected payment instrument type to a buyer in connection with a transaction facilitated by the transaction facilitator; and
the payment enabling system thereafter displaying an online cash register to a buyer via the buyer computer comprising information corresponding to the at least one selected and permitted payment instrument type for selection by the buyer for use in connection with the transaction. - View Dependent Claims (114, 115, 116, 117, 118, 119, 120, 121, 122, 123, 124, 125, 126, 127, 128, 129, 130, 131, 132, 133, 134)
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135. A system for effecting a payment from a buyer to a seller in an online transaction utilizing an online cash register provided on behalf of the seller so as to enable offering of one or more payment instrument types to a buyer in connection with the transaction, the online transaction between the buyer and seller facilitated by a transaction computer operated by a transaction facilitator, comprising;
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a payment enabling system;
an interface for data communications with a buyer computer associated with a buyer;
an interface for data communications with a seller computer associated with a seller;
an interface for data communications with the transaction computer;
the payment enabling system receiving information from the transaction facilitator corresponding to transaction involving an agreement between the buyer and seller to sell goods to the buyer at a specified price;
the payment enabling system assigning a unique reference number to the transaction;
the payment enabling system determining any additional charges associated with the transaction;
the payment enabling system displaying to the buyer via the buyer computer an online cash register on behalf of the seller, the online cash register offering one or more payment instrument types that can be selected by the buyer to make a payment in connection with the transaction;
the payment enabling system displaying to the buyer via the buyer computer information corresponding to the transaction including the specified price, any additional charges, and the total price;
the payment enabling system receiving from the buyer computer information corresponding to registration by the buyer of a payment instrument comprising a selection of one of the payment instrument types as to define a registered payment instrument;
the payment enabling system receiving a command from the transaction computer corresponding to an instruction from the buyer to make a payment of a predetermined amount of money from the buyer to the seller in connection with the transaction;
the payment enabling system effecting a transfer of at least the predetermined amount of money from the buyer through a selected registered payment instrument; and
the payment enabling system effecting a transfer of a disbursement amount of money to the seller. - View Dependent Claims (136, 137, 138, 139, 140, 141, 142, 143, 144, 145, 146, 147, 148, 149, 150, 151, 152, 153, 154, 155)
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156. A system for effecting a payment from a buyer to a seller in an online transaction utilizing an online cash register provided on behalf of the seller so as to enable offering of one or more payment instrument types to a buyer in connection with the transaction, the online transaction between the buyer and seller facilitated by a transaction computer operated by a transaction facilitator, comprising;
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a payment enabling system;
an interface for data communications with a buyer computer associated with a buyer;
an interface for data communications with a seller computer associated with a seller;
an interface for data communications with the transaction computer;
the payment enabling system receiving information from the seller computer indicative of a request for an online cash register, the information including identification information associated with the seller;
the payment enabling system displaying information to the seller via the seller computer corresponding to a plurality of selectable payment instrument types that can be selected by the seller for offering to a buyer upon qualification;
the payment enabling system receiving selection of at least one of the selectable payment instrument types from a seller, for offering to a buyer via an online cash register;
the payment enabling system receiving information from the transaction facilitator corresponding to transaction involving an agreement between the buyer and seller to sell goods to the buyer at a specified price;
the payment enabling system determining any additional charges associated with the transaction;
the payment enabling system displaying to the buyer via the buyer computer an online cash register on behalf of the seller, the online cash register offering one or more permitted payment instrument types that can be selected by the buyer to make a payment in connection with the transaction;
the payment enabling system displaying to the buyer via the buyer computer information corresponding to the transaction including the specified price, any additional charges, and the total price;
the payment enabling system receiving from the buyer computer information corresponding to registration by the buyer of a payment instrument comprising a selection of one of the permitted payment instrument types as to define a registered payment instrument;
the payment enabling system receiving a command from the transaction computer corresponding to an instruction from the buyer to make a payment of a predetermined amount of money from the buyer to the seller in connection with the transaction;
the payment enabling system effecting a transfer of at least the predetermined amount of money from the buyer through a selected registered payment instrument; and
the payment enabling system effecting a transfer of a disbursement amount of money to the seller. - View Dependent Claims (157, 158, 159, 160, 161, 162, 163, 164, 165, 166, 167, 168, 169, 170, 171, 172, 173, 174, 175, 176, 177, 178, 179, 180, 181, 182, 183, 184, 185, 186, 187, 188, 189, 190, 191, 192, 193)
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Specification