METHOD AND SYSTEM FOR USER PAYMENT ACCOUNT MANAGEMENT
First Claim
1. A method comprising:
- receiving user information regarding a user, an account identifier, and a server location from a merchant application, the account identifier identifying the user to the merchant application;
initiating an underwriting process using the user information to determine whether to establish a user payment account for the user, the user payment account to enable the user to perform at least one of making a payment and receiving a payment in a networked system;
establishing the user payment account for the user in response to a result of the underwriting process; and
providing establishment information regarding the user payment account and the account identifier at the server location designated by the merchant application, the establishment information including information regarding functionality available through use of the user payment account.
2 Assignments
0 Petitions
Accused Products
Abstract
Embodiments of a method and system for user payment account management in a networked system are disclosed. User information regarding a user, an account identifier, and a server location may be received from a merchant application. The account identifier may identify the user to the merchant application. An underwriting process may be initiated using the user information to determine whether to establish a user payment account for the user. The user payment account may enable the user to perform at least one of making a payment and receiving a payment in a networked system. The user payment account may be established for the user in response to a result of the underwriting process. Establishment information may be provided regarding the user payment account and the account identifier at the server location designated by the merchant application. The establishment information may include information regarding functionality available through use of the user payment account.
51 Citations
24 Claims
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1. A method comprising:
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receiving user information regarding a user, an account identifier, and a server location from a merchant application, the account identifier identifying the user to the merchant application; initiating an underwriting process using the user information to determine whether to establish a user payment account for the user, the user payment account to enable the user to perform at least one of making a payment and receiving a payment in a networked system; establishing the user payment account for the user in response to a result of the underwriting process; and providing establishment information regarding the user payment account and the account identifier at the server location designated by the merchant application, the establishment information including information regarding functionality available through use of the user payment account. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method comprising:
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receiving a request from a user application in a networked system for payment functionality, the payment functionality including processing of a credit card payment; accessing user information regarding a user, the user associated with the user application; providing the user information, an account identifier, and a server location to a payment application, the payment application capable of providing the payment functionality to the user application; receiving an establishment notification from the payment application, the establishment information including information regarding functionality available through use of a user payment account; and configuring the user application to access the user payment account for payment functionality. - View Dependent Claims (8)
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9. A method comprising:
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receiving a payment processing request from a user application in a networked system; accessing an account identifier associated with the user application; providing the payment processing request and the account identifier to a payment application, the payment application capable of processing the payment processing request; receiving a notice regarding processing of the payment processing request and the account identifier from the payment application; and updating the user application from receipt of the notice. - View Dependent Claims (10)
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11. A method comprising:
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receiving a processing request in a networked system from a requestor, the processing request a request to provide one or more representative requests from the requestor for at least one of a user payment account or a user profile associated with the user payment account; accessing a merchant id of the requester, the merchant id including a merchant with which the requestor is associated; accessing account relationship information for the merchant, the account relationship information defining a sub-account associated with the merchant; and receiving and processing the one or more representative requests of the requestor when the user payment account is a sub-account associated with the merchant. - View Dependent Claims (12, 13, 14, 15, 16, 17)
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18. An apparatus comprising:
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means for receiving a request from a user application in a networked system for payment functionality, the payment functionality including processing of a credit card payment; means for accessing user information regarding a user, the user associated with the user application; means for providing the user information, an account identifier, and a server location to a payment application, the payment application capable of providing the payment functionality to the user application; means for receiving an establishment notification from the payment application, the establishment information including information regarding functionality available through use of a user payment account; and means for configuring the user application to access the user payment account for payment functionality. - View Dependent Claims (19)
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20. A machine-readable medium comprising instructions, which when executed by a machine, cause the machine to:
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receive user information regarding a user in a networked system, an account identifier, and a server location from a merchant application, the account identifier identifying the user to the merchant application; initiate an underwriting process using the user information to determine whether to establish a user payment account for the user, the user payment account enabling the user to perform at least one of making a payment or receiving a payment in a networked system; establish the user payment account for the user in response to a result of the underwriting process; and provide establishment information regarding the user payment account and the account identifier at the server location designated by the merchant application, the establishment information including information regarding functionality available through use of the user payment account. - View Dependent Claims (21)
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22. A machine-readable medium comprising instructions, which when executed by a machine, cause the machine to:
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receive from a requestor a processing request, the processing request a request to provide one or more representative requests from the requestor for at least one of a user payment account or a user profile associated with the user payment account; access a merchant id of the requestor, the merchant id including a merchant with which the requestor is associated; access account relationship information for the merchant, the account relationship information defining a sub-account associated with the merchant; and receive and process the one or more representative requests of the requestor when the user payment account is a sub-account associated with the merchant. - View Dependent Claims (23, 24)
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Specification