Online Payment Method and Device
First Claim
1. One or more computer-readable media storing computer-executable instructions that, when executed by one or more processors, performs acts comprising:
- receiving, from a device associated with a first user, a threshold amount and a payment amount that are specified by the first user and are associated with a transaction involving sale of an item or service, the threshold amount being no less than the payment amount;
generating an intermediate account based on the threshold amount and the payment amount;
receiving, from an account designated by a second user, funds associated with the transaction of the item or service;
determining that the funds are not less than the threshold amount;
designating the funds as an account balance of the second user in the intermediate account;
receiving, from a device associated with the second user, a payment request in response to receipt of the item or service by the second user; and
transferring, based on the payment amount, all or part of the funds from the intermediate account to an account designated by the first user.
1 Assignment
0 Petitions
Accused Products
Abstract
In a commerce transaction between a buyer and seller that involves transfer of an item, payment is made through an independent online payment system. A seller sends a threshold amount and a payment amount to a payment server for the transaction involving the item. The payment server creates an intermediate account based on the threshold amount and the payment amount. To proceed with the transaction, a buyer transfers a fund amount to the payment server. The payment server determines whether the fund amount is not less than the threshold amount, and if so, the payment server designates the fund amount as an account balance associated with the buyer in the intermediate account. The payment server then transfers funds corresponding to the payment amount from the intermediate account to an account designated by the seller after receiving a payment request indicating the buyer'"'"'s receipt of the item.
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Citations
20 Claims
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1. One or more computer-readable media storing computer-executable instructions that, when executed by one or more processors, performs acts comprising:
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receiving, from a device associated with a first user, a threshold amount and a payment amount that are specified by the first user and are associated with a transaction involving sale of an item or service, the threshold amount being no less than the payment amount; generating an intermediate account based on the threshold amount and the payment amount; receiving, from an account designated by a second user, funds associated with the transaction of the item or service; determining that the funds are not less than the threshold amount; designating the funds as an account balance of the second user in the intermediate account; receiving, from a device associated with the second user, a payment request in response to receipt of the item or service by the second user; and transferring, based on the payment amount, all or part of the funds from the intermediate account to an account designated by the first user. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computer-implemented method comprising:
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generating an intermediate account based on payment terms associated with a transaction involving sale of an item or service; populating the intermediate account with the payment terms and information associated with an account designated by a first user and with an account designated by a second user; receiving, from the account designated by the second user, funds specified for the transaction; designating, in the intermediate account, the funds as an account balance of the second user; and transferring, based on the payment terms, all or part of funds from the intermediate account to the account designated by the first user. - View Dependent Claims (9, 10, 11, 12)
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13. A computer-implemented method comprising:
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receiving, from a device of a first user, a threshold amount and a payment amount that are associated with a transaction involving sale of an item or service; receiving, from an account of a second user, funds that are not less than the threshold amount and are associated with the transaction; allocating the funds as an account balance designated to the second user; receiving, from a device of the second user, a payment request in response to receipt of the item or service; and in response to the receiving the payment request, transferring, based on the payment amount, all or part of the funds to an account designated by the first user. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20)
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Specification