METHOD AND APPARATUS FOR PROCESSING PAYMENT TRANSACTIONS FROM A CHAT APPLICATION INTEGRATED WITH A PAYMENT APPLICATION THAT LEVERAGES SOCIAL FEATURES FROM THE CHAT APPLICATION

• US 20140058939A1
• Filed: 08/24/2012
• Published: 02/27/2014
• Est. Priority Date: 08/24/2012
• Status: Abandoned Application

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: Savla, Sumit Hasmukh
• Application Number:
  US13/594,472
• Publication Number:
  US 20140058939A1
• Time in Patent Office: Days
• US Class Current: 705/42
• CPC Class Codes: G06Q 10/107 Computer-aided management of electronic mailing [e-mailing]
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255

Abstract

A system for processing payment transactions and social features from a messaging or chat application with an integrated payment application. An example embodiment includes: integrating a payment application into a client messaging application; linking a payment button with the payment application; receiving a payment request through the client messaging application from a client user via the payment button; using the payment application to identify an account on a payment site that corresponds to the payment request; and performing a payment transaction with the identified account corresponding to the payment request at the payment site via the payment application. The embodiment is configured to facilitate social sharing functions including: inviting users to download the payment application, sharing a contact list among a plurality of payment application users, inviting users to chat from the payment application, and updating a user profile in the client messaging application by the payment application.

Claims

1. A method comprising:

integrating, by use of a processor, a payment application into a client messaging application;

linking a payment button with the payment application;

receiving, by use of the processor, a payment request through the client messaging application from a client user via the payment button;

using the payment application to identify an account on a payment site that corresponds to the payment request; and

performing a payment transaction with the identified account corresponding to the payment request at the payment site via the payment application.

2. The method as claimed in claim 1 including validating the account on the payment site using the payment application.

3. The method as claimed in claim 1 including enabling the client user to select a payee from a contact list of the client messaging application.

4. The method as claimed in claim 1 including performing the payment transaction at the payment site via an application programming interface (API).

5. The method as claimed in claim 1 wherein the client messaging application is a downloadable application on a mobile device.

6. The method as claimed in claim 1 including notifying the client user when the payment transaction is complete.

7. The method as claimed in claim 1 including sending an email to the client user when the payment transaction is complete.

8. The method as claimed in claim 1 including inviting the client user to log-in at the payment site.

9. The method as claimed in claim 1 wherein the client messaging application with the integrated payment application being further configured to facilitate social sharing functions including:

inviting users to download the payment application, sharing a contact list among a plurality of payment application users, inviting users to chat right from the payment application, and updating a user profile in the client messaging application by the payment application.

10. An article of manufacture comprising a non-transitory machine-readable storage medium having machine executable instructions embedded thereon, which when executed by a machine, cause the machine to:

integrate a payment application into a client messaging application;

link a payment button with the payment application;

receive a payment request through the client messaging application from a client user via the payment button;

use the payment application to identify an account on a payment site that corresponds to the payment request; and

perform a payment transaction with the identified account corresponding to the payment request at the payment site via the payment application.

11. The article of manufacture as claimed in claim 10 being configured to validate the account on the payment site using the payment application.

12. The article of manufacture as claimed in claim 10 being configured to enable the client user to select a payee from a contact list of the client messaging application.

13. The article of manufacture as claimed in claim 10 being configured to perform the payment transaction at the payment site via an application programming interface (API).

14. The article of manufacture as claimed in claim 10 wherein the client messaging application is a downloadable application on a mobile device.

15. The article of manufacture as claimed in claim 10 being configured to notify the client user when the payment transaction is complete.

16. The article of manufacture as claimed in claim 10 being configured to send an email to the client user when the payment transaction is complete.

17. The article of manufacture as claimed in claim 10 being configured to invite the client user to log-in at the payment site.

18. The article of manufacture as claimed in claim 10 wherein the client messaging application with the integrated payment application being further configured to facilitate social sharing functions including:

inviting users to download the payment application, sharing a contact list among a plurality of payment application users, inviting users to chat right from the payment application, and updating a user profile in the client messaging application by the payment application.

19. A system comprising:

a processor;

a memory coupled to the processor to store information related to user messaging and payments; and

a client messaging module to;

integrate a payment application into a client messaging application;

link a payment button with the payment application;

receive a payment request through the client messaging application from a client user via the payment button;

use the payment application to identify an account on a payment site that corresponds to the payment request; and

perform a payment transaction with the identified account corresponding to the payment request at the payment site via the payment application.

20. The system as claimed in claim 19 wherein the client messaging application with the integrated payment application being further configured to facilitate social sharing functions including:

inviting users to download the payment application, sharing a contact list among a plurality of payment application users, inviting users to chat right from the payment application, and updating a user profile in the client messaging application by the payment application.