Point of sale payment method for multiple recipients using a digital payment service

• US 20100010906A1
• Filed: 08/30/2009
• Published: 01/14/2010
• Est. Priority Date: 01/23/2007
• Status: Abandoned Application

• Current Assignee: William Grecia
• Original Assignee: William Grecia
• Inventors: Grecia, William
• Application Number:
  US12/550,384
• Publication Number:
  US 20100010906A1
• Time in Patent Office: Days
• US Class Current: 705/21
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

The method allows the funds from the purchase of a single item to be automatically divided and distributed to multiple recipients according to pre-arranged royalty and percent ownership arrangements. The purchase of multiple items can also be managed this way. In one embodiment, the method may employ JavaScript fee-split code that can be uploaded from a remote merchant server. The code can be executed within the web browser of a buyer'"'"'s computerized device, and then send instructions over the Internet to the API of an automated Internet ecommerce system. The ecommerce system will then automatically split the buyer'"'"'s single item payment to multiple recipients, and automatically credit the escrow account of the multiple recipients at the time of the buyer'"'"'s purchase. In another embodiment, the details of the fee split arrangement can be stored in the remote ecommerce system, and be automatically invoked when the user makes a purchase.

Claims

1. A method for splitting and distributing payment of at least one item to the accounts of multiple recipients, using a network connected computerized user device, and a network connected ecommerce server, comprising:

constructing at least one table of recipients of the proceeds of a payment for said at least one item, said at least one table comprising at least a list of recipients for said proceeds of said payment for at least one item, and a splitting scheme to distribute said proceeds from said payment of said at least one item to said recipients;

transmitting a payment request for said at least one item across said network from said network computerized user device to said networked connected ecommerce server;

receiving said payment request for said at least one item at said network connected ecommerce server; and

automatically distributing said proceeds from said payment request to said recipients according to said table.

2. The method of claim 1, in which the said network is the Internet.

3. The method of claim 2, in which said ecommerce server receives payment instructions over the Internet using an ecommerce Applications Programming Interface (API) with an ecommerce API protocol, and said network connected computerized device sends said payment request to said ecommerce server following said API protocol.

4. The method of claim 3, further making said ecommerce Applications Programming Interface (API) protocol capable of recognizing and following payment instructions according to said at least one table, and transmitting said at least one table from said network connected computerized user device to said ecommerce server along with said payment request.

5. The method of claim 3, further making said ecommerce Applications Programming Interface (API) protocol capable of recognizing and following payment instructions according to said at least one table, and transmitting said at least one table from a third merchant network connected server to said ecommerce server along with said payment request.

6. The method of claim 3, further making said ecommerce Applications Programming Interface (API) protocol capable of recognizing and following payment instructions from said at least one table, and transmitting said at least one table to said ecommerce server in advance of said payment request.

7. The method of claim 2, in which the networked computerized user device runs web browser software, and said network computerized user device transmits said payment requests to said network connected ecommerce server using payment software running in said web browser.

8. The method of claim 7, in which said payment software running in said web browser transmits said table to said ecommerce server along with said payment request.

9. A method for splitting and distributing payment of at least one item to the accounts of multiple recipients, using an Internet connected computerized user device, and an Internet connected ecommerce server, comprising:

constructing at least one table of recipients of the proceeds of a payment for said at least one item, said at least one table comprising at least a list of recipients for said proceeds of said payment for at least one item, and a splitting scheme to distribute said proceeds from said payment of said at least one item to said recipients;

transmitting a payment request for said at least one item across said Internet from said Internet computerized user device to said Internet connected ecommerce server;

receiving said payment request for said at least one item at said Internet connected ecommerce server; and

automatically distributing said proceeds from said payment request to said recipients according to said table;

in which said ecommerce server receives payment instructions over said Internet using an ecommerce Applications Programming Interface (API) with an ecommerce API protocol, and said Internet connected computerized device sends said payment request to said ecommerce server following said API protocol; and

making said ecommerce Applications Programming Interface (API) protocol capable of recognizing and following payment instructions according to said at least one table.

10. The method of claim 9, in which said accounts of multiple recipients are escrow accounts, and said escrow accounts may accumulate said proceeds received from multiple payments.

11. The method of claim 9, in which said Internet connected computerized device is selected from the group consisting of cellular telephones, personal computers, pocket computers, tablet computers, and telephones.

12. The method of claim 9, in which said Internet computerized user device interacts with the Internet through software selected from the group consisting of web browser software, email software, and telecommunications software.

13. The method of claim 9, in which the Internet connected computerized user device runs web browser software, and said Internet connected computerized user device transmits said payment requests to said Internet connected ecommerce server using payment software running in said web browser.

14. The method of claim 13, in which said table is uploaded from a third Internet connected merchant site to said Internet connected computerized user device.

15. A method for splitting and distributing payment of at least one item to the accounts of multiple recipients, using an Internet connected computerized user device, and an Internet connected ecommerce server, comprising:

constructing at least one table of recipients of the proceeds of a payment for said at least one item, said at least one table comprising at least a list of recipients for said proceeds of said payment for at least one item, and a splitting scheme to distribute said proceeds from said payment of said at least one item to said recipients;

transmitting a payment request for said at least one item across said Internet from said Internet computerized user device to said Internet connected ecommerce server;

receiving said payment request for said at least one item at said Internet connected ecommerce server; and

automatically distributing said proceeds from said payment request to said recipients according to said table;

in which said ecommerce server receives payment instructions over said Internet using an ecommerce Applications Programming Interface (API) with an ecommerce API protocol, and said Internet connected computerized device sends said payment request to said ecommerce server following said API protocol;

making said ecommerce Applications Programming Interface (API) protocol capable of recognizing and following payment instructions according to said at least one table, and transmitting said at least one table from said Internet connected computerized user device to said ecommerce server along with said payment request; and

in which said Internet computerized user device runs web browser software, and said Internet computerized user device transmits said payment requests to said Internet connected ecommerce server using payment software running in said web browser.

16. The method of claim 15, in which said at least one table is transmitted from a third Internet connected merchant website to said Internet connected ecommerce server.

17. The method of claim 15, in which said at least one table is embedded in an HTML web page that is uploaded from a third Internet connected merchant website to said Internet connected user device prior to said payment.

18. The method of claim 17, in which said at least one table is embedded in a JavaScript code that is in turn embedded in said HTML web page that is uploaded from said third Internet connected merchant website to said Internet connected user device prior to said payment.

19. The method of claim 18, in which said web browser software renders said at least one table in a Graphical User Interface (GUI) of said web browser in a form that hides the table, and that allows the user to initiate said payment by triggering a graphical element on a web page rendered by said web browser.

20. The method of claim 17, in which said at least one table is encrypted.