NETWORK-BASED CONSUMER TRANSACTIONS WITH CREDIT ACCOUNTS

• US 20150012418A1
• Filed: 09/19/2014
• Published: 01/08/2015
• Est. Priority Date: 11/22/2006
• Status: Abandoned Application

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: Chu, Peter Zhe
• Application Number:
  US14/491,781
• Publication Number:
  US 20150012418A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

A computer-implemented method and system is operable to: receive a purchase transaction from a purchaser, the purchase transaction including purchase transaction information including a purchaser credit number associated with a purchaser credit account previously established on a payment site, use the purchaser credit number to obtain associated purchaser credit account information maintained at a payment site, receive from the payment site a disposition of the purchase transaction, and receive from the payment site purchaser-specific information to streamline the purchase transaction.

Claims

1. A method comprising:

receiving a purchase transaction from a purchaser, the purchase transaction including purchase transaction information including a purchaser credit number associated with a purchaser credit account previously established on a payment site;

using the purchaser credit number to obtain associated purchaser credit account information maintained at a payment site;

receiving from the payment site a disposition of the purchase transaction; and

receiving from the payment site purchaser-specific information to streamline the purchase transaction.