CUSTOMER REFUNDS USING PAYMENT SERVICE PROVIDERS
First Claim
Patent Images
1. A method, comprising:
- providing at least one processor communicating through at least one network and using the at least one processor and network toreceive a refund request,access a user reserve account with an online payment service provider, the reserve account being associated with a regular account of the user with the payment service provider, andprocess the refund request from the reserve account.
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Accused Products
Abstract
A method by which a merchant can establish and advantageously use an account at an online payment service provider for making both payments and refunds to customers so as to minimize overdraft or non-sufficient funds (NSF) occurrences and the attendant delays and loss of customer good will includes providing at least one processor communicating through at least one network, and using the at least one processor and network to receive a refund request, access a user reserve account with an online payment service provider, wherein the reserve account is associated with a regular account of the user with the payment service provider, and processing the refund request from the reserve account.
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Citations
25 Claims
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1. A method, comprising:
providing at least one processor communicating through at least one network and using the at least one processor and network to receive a refund request, access a user reserve account with an online payment service provider, the reserve account being associated with a regular account of the user with the payment service provider, and process the refund request from the reserve account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors of a server are adapted to cause the server to perform a method comprising:
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receiving a refund request; accessing a user reserve account with an online payment service provider, wherein the reserve account is associated with a regular account of the user with the payment service provider; and
,processing the refund request from the reserve account. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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19. An apparatus, comprising:
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means for receiving a refund request; means for accessing a user reserve account with an online payment service provider, wherein the reserve account is associated with a regular account of the user with the payment service provider; and
,means for processing the refund request from the reserve account. - View Dependent Claims (20, 21, 22, 23, 24, 25)
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Specification