METHOD FOR IMPLEMENTING AN ALTERNATIVE PAYMENT
First Claim
1. A method, comprising:
- receiving a transaction request comprising an identity of a user, a location of a vendor, and a price of a transaction;
identifying a set of payment methods available to the user, a particular payment method in the set of payment methods characterized by a discrete payment structure defining a discrete payment increment;
ranking the available payment methods according to a preferred payment method associated with the location of the vendor, according to the discrete payment structure of the particular payment method, and according to the price of the transaction;
receiving a selection from the user for the particular payment method for the transaction; and
authorizing a payment to the vendor with the particular payment method.
2 Assignments
0 Petitions
Accused Products
Abstract
One variation of a method includes: receiving a transaction request, the transaction request comprising an identity of a user, a location of a vendor, and a price of a transaction; identifying a set of payment methods available to the user, a particular payment method in the set of payment methods characterized by a discrete payment structure defining a discrete payment increment; ranking the available payment methods according to a preferred payment method associated with the location of the vendor, according to the discrete payment structure of the particular payment method, and according to the price of the transaction; receiving a selection from the user for the particular payment method for the transaction; and authorizing a payment to the vendor with the particular payment method.
44 Citations
20 Claims
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1. A method, comprising:
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receiving a transaction request comprising an identity of a user, a location of a vendor, and a price of a transaction; identifying a set of payment methods available to the user, a particular payment method in the set of payment methods characterized by a discrete payment structure defining a discrete payment increment; ranking the available payment methods according to a preferred payment method associated with the location of the vendor, according to the discrete payment structure of the particular payment method, and according to the price of the transaction; receiving a selection from the user for the particular payment method for the transaction; and authorizing a payment to the vendor with the particular payment method. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A method, comprising:
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associating a set of payment methods with an account of a user, each payment method in the set of payment methods characterized by a discrete payment structure defining a discrete payment increment; receiving a transaction request comprising an identity of a user, a location, and a price of a transaction; ranking the set of payment methods according to a preferred payment method associated with the location and according to a payment increment, in the payment increments of the set of payment methods, that is within a threshold range of the price of the transaction; receiving, from the user through a mobile computing device, a selection for a particular payment method, in the set of payment methods, for the transaction; and authorizing a payment to the vendor with the particular payment method. - View Dependent Claims (20)
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Specification