SYSTEMS AND METHODS FOR IMPLEMENTING INSTANT PAYMENTS ON MOBILE DEVICES
First Claim
Patent Images
1. A system comprising:
- a memory storing a payment account of a user; and
one or more processors in communication with the memory and adapted to;
receive a payment request from the user for making a payment at a website;
determine whether the website is designated for instant payments; and
process the payment request without authenticating the user when the website is designated for instant payment.
2 Assignments
0 Petitions
Accused Products
Abstract
A system and/or method may be provided to implement instant payments on mobile devices. In particular, the system may allow a user to designate websites or mobile apps at which the user may make instant payments without user authentication. As such, when the user makes payments at the designated website or mobile app, the system may process payments without requesting the user'"'"'s user ID and/or password. For example, instant payments may be made by two operations from the user, e.g., two clicks. In particular, the user may click a button to request payment and click another button to confirm payment. Thus, the user may make payments quickly without additional efforts.
17 Citations
20 Claims
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1. A system comprising:
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a memory storing a payment account of a user; and one or more processors in communication with the memory and adapted to; receive a payment request from the user for making a payment at a website; determine whether the website is designated for instant payments; and process the payment request without authenticating the user when the website is designated for instant payment. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method comprising:
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receiving, by a hardware processor of a payment service provider, a payment request from a user of a payment account, wherein the payment request is for a payment made from an application installed at a device of the user; determining whether the application is designated for instant payment; and processing the payment request without authenticating the user when the application is designated for instant payment. - View Dependent Claims (12, 13, 14, 15, 16)
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17. A non-transitory computer-readable medium comprising instructions which, in response to execution by a computer system, cause the computer system to perform a method comprising:
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receiving a payment request from a user of a payment account, wherein the payment request is for a payment made from an application installed at a device of the user; determining whether the application is designated for instant payment; and processing the payment request without authenticating the user when the application is designated for instant payment. - View Dependent Claims (18, 19, 20)
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Specification