TRANSACTION AGGREGATION ENGINE

• US 20100332384A1
• Filed: 09/03/2010
• Published: 12/30/2010
• Est. Priority Date: 03/21/2003
• Status: Abandoned Application

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: Pan, Yu, Phillips, Brian Andrew, Martin, Paul Arthur, Hurley, Chad Meredith, Davis, Dantley, Chen, Andrew Dali
• Application Number:
  US12/875,855
• Publication Number:
  US 20100332384A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 30/04 Billing or invoicing

Abstract

A database may be accessed to obtain data for a plurality of payment transactions. The plurality of payment transactions may be associated with at least one requestor and two or more providers. A first set of payment transactions are presented to the at least one requestor. The first set of payment transactions are selected from the plurality of payment transactions and aggregated based on having a first common provider selected from the two or more providers.

Claims

1. A payment system, comprising:

a database to store data for a plurality of payment transactions, the plurality of payment transactions associated with at least one requestor and two or more providers; and

a transaction aggregation engine configured to present, to the at least one requestor, a first set of payment transactions that are selected from the plurality of payment transactions and aggregated based on having a first common provider selected from the two or more providers.

2. The payment system of claim 1, wherein a payment obligation for at least one payment transaction of the first set of payment transactions is outstanding.

3. The payment system of claim 1, wherein the first set of payment transactions have a common payment currency requirement.

4. The payment system of claim 1, wherein the transaction aggregation engine is further configured to present, via the user device, a first option to select the first set of payment transactions from the plurality of payment transactions.

5. The payment system of claim 1, wherein the transaction aggregation engine is further configured to present, via the user device, a second option to automatically pay only for the first set of payment transactions in a single payment.

6. The payment system of claim 5, wherein the transaction aggregation engine is further configured to present, via the user device, a third option to remove at least one of the first set of payment transactions from the single payment.

7. The payment system of claim 5, wherein the single payment comprises a transfer of a first amount from a first account to a second account, the first account and the second account maintained by the payment system.

8. The payment system of claim 1, wherein the transaction aggregation engine is further configured to set a second amount as a shipping insurance for the first set of payment transactions.

9. The payment system of claim 1, wherein the transaction aggregation engine is further configured to set a third amount as a shipping cost for items associated with the first set of payment transactions, the third amount being less than a summed value of individual shipping costs for each of the first set of payment transaction.

10. The payment system of claim 1, wherein the transaction aggregation engine is further configured to display a second set of payment transactions aggregated as having a second common provider concurrently with the first set of payment transactions.

11. The payment system of claim 1, wherein the plurality of payment transactions are established using a transaction system different from the payment system.

12. A computer-implemented method, comprising:

accessing a database to obtain data for a plurality of payment transactions, the plurality of payment transactions associated with at least one requestor and two or more providers; and

presenting, to the at least one requestor, a first set of payment transactions that are selected from the plurality of payment transactions and aggregated based on having a first common provider selected from the two or more providers.

13. The computer-implemented method of claim 12, wherein the presenting further comprises presenting, via the user device, a first option to select the first set of payment transactions from the plurality of payment transactions.

14. The computer-implemented method of claim 12, wherein the presenting further comprises presenting, via the user device, a second option to automatically pay only for the first set of payment transactions in a single payment.

15. The computer-implemented method of claim 14, wherein the presenting further comprises presenting, via the user device, a third option to remove at least one of the first set of payment transactions from the single payment.

16. The computer-implemented method of claim 14, wherein the single payment comprises a transfer of a first amount from a first account to a second account, the first account and the second account maintained by a same payment system.

17. The computer-implemented method of claim 12, wherein the presenting further comprises setting a second amount as a shipping insurance for the first set of payment transactions.

18. The computer-implemented method of claim 12, wherein the presenting further comprises setting a third amount as a shipping cost for items associated with the first set of payment transactions, the third amount being less than a summed value of individual shipping costs for each of the first set of payment transaction.

19. The computer-implemented method of claim 12, wherein the presenting further comprises displaying a second set of payment transactions aggregated as having a second common provider concurrently with the first set of payment transactions.

20. A non-transitory computer-readable storage medium storing instruction that, when executed by a processor, cause the processor to:

accessing memory to obtain data for a plurality of payment transactions, the plurality of payment transactions associated with at least one requestor and two or more providers; and

presenting, via a user device associated with the at least one requestor, a first set of payment transactions aggregated as having a first common provider from the plurality of payment transactions.