SEND MONEY PLUG IN FOR WEB MAILS

• US 20090132423A1
• Filed: 11/15/2007
• Published: 05/21/2009
• Est. Priority Date: 11/15/2007
• Status: Abandoned Application

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: Liu, Deborah Yee-Ky
• Application Number:
  US11/940,403
• Publication Number:
  US 20090132423A1
• Time in Patent Office: Days
• US Class Current: 705/70
• CPC Class Codes: G06F 3/04842 Selection of displayed objects or displayed text elements G06F3/0482 takes precedence
• CPC Class Codes: G06F 40/174 Form filling; Merging
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• 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 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

In one example embodiment, a system and method is shown as including receiving an email address selection displayed as part of a screen widget, the screen widget included within the display of an interface associated with an Internet-utilizing application. Further, this method may, for example, include executing a plug in having a send money function, the plug in associated with the Internet-utilizing application, the send money function executed due, in part, to a signal received from an input device. The method may additionally include generating a payment request identifying a recipient of funds by the e-mail address selection.

Claims

1. A computer implemented method comprising:

receiving an email address selection displayed as part of a screen widget, the screen widget included within the display of an interface associated with an Internet-utilizing application;

executing a plug in having a send money function, the plug in associated with the Internet-utilizing application, the send money function executed due, in part, to a signal received from an input device; and

generating a payment request identifying a recipient of funds by the e-mail address selection.

2. The computer implemented method of claim 1, further comprising generating transaction information relating to a sender of funds, wherein the transaction information includes at least one of an amount of currency, a currency type, a payment purpose description, a linked account identifier, and a payment message.

3. The computer implemented method of claim 2, wherein the transaction information is stored in a cookie.

4. The computer implemented method of claim 1, further comprising obscuring the payment request using at least one of a symmetric encryption algorithm, an asymmetric encryption algorithm, or a hashing algorithm.

5. A computer implemented method comprising:

receiving an e-mail address displayed in an interface associated with an Internet-utilizing application using an input device;

executing a plug-in engine, associated with the Internet-utilizing application, with a send money function; and

generating, with the send money function, a payment request identifying a recipient of funds with the e-mail address.

6. The computer implemented method of claim 5, wherein the input device is a mouse.

7. The computer implemented method of claim 5, wherein the Internet-utilizing application includes at least one of a Web browser or e-mail client.

8. The computer implemented method of claim 5, further comprising selecting the send money function using a right-click function associated with a mouse.

9. The computer implemented method of claim 5, further comprising obscuring the payment request using an algorithm including at least one of a symmetric encryption algorithm, an asymmetric encryption algorithm, or a hashing algorithm.

10. The computer implemented method of claim 5, further comprising requesting a transaction information page that includes at least one of an amount of currency, a currency type, a payment purpose description, a linked account identifier, or a payment message.

11. A computer system comprising:

a receiver to receive a payment request identifying a recipient of funds by an e-mail address, the payment request generated through the use of a screen widget, associated with an Internet-utilizing application, that contains a recipient identifier;

a first determiner engine to determine whether the recipient of funds has an account and a sender of funds has an account;

a second determiner engine to determine whether funds exist in the sender of funds account to cover a payment request amount; and

a transfer engine to transfer funds to a recipient of funds account, where the sender of funds has funds to transfer that cover the payment request amount.

12. The computer system of claim 11, wherein the account is a payment processor account.

13. The computer system of claim 11, wherein transferring funds occurs where valid sender transaction data, valid available funds data, and a valid recipient signal are provided.

14. The computer system of claim 11, further comprising a transaction request engine to request transaction information from the sender of funds, wherein the requested transaction information includes at least one of an amount of currency, a currency type, a payment purpose description, a linked account identifier, or a payment message.

15. The computer system of claim 14, wherein the transaction information is stored in a cookie.

16. The computer system of claim 11, further comprising a de-obscuring engine to de-obscure the payment request using at least one of a symmetric encryption algorithm, an asymmetric encryption algorithm, or a hashing algorithm.

17. A computer system comprising:

a selector to allow a selection of an e-mail address, displayed within a screen widget, included within the display of an interface associated with an Internet-utilizing application;

a plug in to execute a send money function associated with the Internet-utilizing application, the send money function executed due, in part, to a signal from an input device; and

a payment engine to generate a payment request identifying a recipient of funds by the e-mail address.

18. The computer system of claim 17, wherein the input device is a mouse.

19. The computer system of claim 17, wherein the Internet-utilizing application includes at least one of a Web browser or e-mail client.

20. The computer system of claim 17, wherein the selector that selects the send money function is performed using a right-click function associated with a mouse.

21. The computer system of claim 17, further comprising an obscuring engine that obscures the payment request using at least one of a symmetric encryption algorithm, an asymmetric encryption algorithm, or a hashing algorithm.

22. The computer system of claim 17, further comprising a request engine to request a transaction information page used to designate at least one of an amount of currency, a currency type, a payment purpose description, a linked account identifier, and a payment message.

23. A machine-readable medium comprising instructions, which when implemented by one or more machines cause the one or more machines to perform the following operations:

receiving a payment request identifying a recipient of funds by an e-mail address, the payment request generated, in part, using a recipient identifier as displayed by a screen widget as part of an Internet-utilizing application;

determining whether the recipient of funds has an account, and a sender of funds has an account;

determining whether funds exist in the sender of funds account to cover a payment request amount; and

transferring funds to a recipient of funds account, where the sender of funds has funds to transfer that cover the payment request amount.