Methods and Systems for Determining and Displaying Payment Options in an Electronic Payment System
First Claim
1. A method comprising:
- identifying a payee for a payor;
identifying, prior to receiving a payment request to submit a payment the payee on behalf of the payor, at least one funding method from a list comprising one or more potential funding methods that is available to the payor for the payment to the payee, wherein the identification of the at least one funding method is based at least in part on at least one risk-based criteria associated with the payor; and
generating an interface screen for displaying at least one payment option to the payor, wherein the at least one payment option is associated with the at least one funding method.
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Accused Products
Abstract
A system and method for determining and displaying payment options in an electronic payment system is disclosed. A payee for a payor is identified. Prior to receiving a payment request to submit a payment to the payee on behalf of the payor, at least one funding method is identified from a list of potential funding methods. The at least one funding method is a funding method that is available to the payor for the payment to the payee, and the identification of the at least one funding method is based at least in part on at least one risk-based criteria. An interface screen is then generated for displaying at least one option to pay the payee, wherein the at least one option is associated with the at least one funding method.
104 Citations
42 Claims
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1. A method comprising:
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identifying a payee for a payor; identifying, prior to receiving a payment request to submit a payment the payee on behalf of the payor, at least one funding method from a list comprising one or more potential funding methods that is available to the payor for the payment to the payee, wherein the identification of the at least one funding method is based at least in part on at least one risk-based criteria associated with the payor; and generating an interface screen for displaying at least one payment option to the payor, wherein the at least one payment option is associated with the at least one funding method. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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22. A system comprising:
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a processor configured (i) to determine, prior to receiving a payment request to pay a payee on behalf of a payor, at least one funding method from a list comprising one or more potential funding methods that is available to the payor for payment to the payee, wherein the determination of the at least one available funding method is based at least in part on at least one risk-based criteria associated with the payor; and a network interface configured to transmit at least one payment option to the payor, wherein the at least one payment option is associated with the at least one funding method. - View Dependent Claims (23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41)
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42. A system comprising:
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means for identifying a payee for a payor; means for identifying, prior to receiving a payment request to pay the payee on behalf of the payor, at least one funding method from a list comprising one or more potential funding methods that is available to the payor for payment to the payee, wherein the identification of the at least one funding method is based at least in part on at least one risk-based criteria associated with the payor; and means for generating an interface screen for displaying at least one payment option to the payor, wherein the at least one payment option is associated with the at least one funding method.
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Specification