SYSTEMS AND METHODS FOR MAKING PAYMENTS FROM SELECTED FUNDING SOURCES
First Claim
1. A system, comprising:
- a database storing a plurality of associations formed by associating the identity of a buyer with each of a corresponding plurality of payment source accounts of the buyer, each of the buyer-identity/buyer'"'"'s-payment-source-account associations having a unique identifier assigned thereto; and
a payment service provider transaction device configured to;
communicate with at least one of a transaction device of the buyer and/or a transaction device of a seller;
receive an authorization from the buyer to make a payment from a selected one of the buyer'"'"'s payment source accounts to a designated one of the seller'"'"'s payment depository accounts, the authorization including a specified payment amount and the unique identifier associated with the selected buyer'"'"'s payment source account from which the buyer desires the payment to be made; and
effect a transfer of the specified payment amount from the selected buyer'"'"'s payment source account to the designated seller'"'"'s account.
2 Assignments
0 Petitions
Accused Products
Abstract
In an embodiment, a payment service provider includes a database storing a plurality of buyer-identity/buyer'"'"'s-payment-source-account associations, each having a unique identifier assigned thereto, and a payment service provider transaction device configured to: 1) communicate with at least one of a transaction device of the buyer and/or a transaction device of a seller; 2) receive an authorization from the buyer to make a payment from a selected one of the buyer'"'"'s payment source accounts to a designated one of the seller'"'"'s payment depository accounts, the authorization including a specified payment amount and the unique identifier associated with the selected buyer'"'"'s payment source account from which the buyer desires the payment to be made; and 3) effect a transfer of the specified payment amount from the selected buyer'"'"'s payment source account to the designated seller'"'"'s account.
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Citations
20 Claims
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1. A system, comprising:
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a database storing a plurality of associations formed by associating the identity of a buyer with each of a corresponding plurality of payment source accounts of the buyer, each of the buyer-identity/buyer'"'"'s-payment-source-account associations having a unique identifier assigned thereto; and a payment service provider transaction device configured to; communicate with at least one of a transaction device of the buyer and/or a transaction device of a seller; receive an authorization from the buyer to make a payment from a selected one of the buyer'"'"'s payment source accounts to a designated one of the seller'"'"'s payment depository accounts, the authorization including a specified payment amount and the unique identifier associated with the selected buyer'"'"'s payment source account from which the buyer desires the payment to be made; and effect a transfer of the specified payment amount from the selected buyer'"'"'s payment source account to the designated seller'"'"'s account. - View Dependent Claims (2, 3, 4, 5)
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6. 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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accessing a database storing a plurality of associations formed by associating the identity of a buyer with each of a corresponding plurality of payment source accounts of the buyer, each of the buyer-identity/buyer'"'"'s-payment-source-account associations having a unique identifier assigned thereto; communicating, electronically, with at least one of a transaction device of the buyer and/or a transaction device of a seller; receiving an authorization from the buyer to make a payment from a selected one of the buyer'"'"'s payment source accounts to a designated one of the seller'"'"'s payment depository accounts, the authorization including a specified payment amount and the unique identifier associated with the selected buyer'"'"'s payment source account from which the buyer desires the payment to be made; and processing a transfer of the specified payment amount from the selected buyer'"'"'s payment source account to the designated seller'"'"'s account. - View Dependent Claims (7, 8, 9, 10, 11, 12)
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13. A method for enabling a payee to receive a payment from a payer, the method comprising:
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accessing a database storing a plurality of associations formed by associating the identity of the payer with each of a corresponding plurality of payment source accounts of the payer, each of the payer-identity/payer'"'"'s-payment-source-account associations having a unique identifier assigned thereto; communicating, electronically, with at least one of a transaction device of the payer and/or a transaction device of the payee; receiving an authorization from the payer to make a payment from a selected one of the payer'"'"'s payment source accounts to a designated one of the payee'"'"'s payment depository accounts, the authorization including a specified payment amount and the unique identifier associated with the selected payer'"'"'s payment source account from which the payer desires the payment to be made; and processing, by a hardware processor of a payment service provider, a transfer of the specified payment amount from the selected payer'"'"'s payment source account to the designated payee'"'"'s account. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20)
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Specification