TRANSFERRING MONEY USING EMAIL

• US 20150310404A1
• Filed: 04/23/2014
• Published: 10/29/2015
• Est. Priority Date: 04/23/2014
• Status: Abandoned Application

• Current Assignee: Block, Inc. (f/k/a Square, Inc.)
• Original Assignee: Block, Inc. (f/k/a Square, Inc.)
• Inventors: Dorsey, Jack, Wilson, Jesse, Grassadonia, Brian, Andersen, Robert
• Application Number:
  US14/260,194
• Publication Number:
  US 20150310404A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 10/107 Computer-aided management of electronic mailing [e-mailing]
• CPC Class Codes: G06Q 20/023 the neutral party being a clearing house
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks

Abstract

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for sending or requesting money to or from multiple recipients using email. One of the methods includes receiving, at a user device, user input from a sender of a request to send a respective payment amount from a sender account of the sender with a payment service system to multiple recipient accounts of the payment service system. User input indicating respective recipient email addresses for the multiple recipients is received. A draft email message is generated, the draft email message being addressed to each of the multiple recipients, the draft email message including respective recipient email addresses for each of the multiple recipients. An indication that the sender sent the email message to the multiple recipients is sent to a payment service system.

Claims

1. A computer-implemented method comprising:

providing, at a user device, a user interface presenting multiple contacts of a user of the user device;

receiving, at the user device, user selection of one or more of the multiple contacts;

identifying, by the user device, respective recipient email addresses for each of the selected one or more contacts;

generating a draft email message, the draft email message being addressed to each of the recipient email addresses and being addressed to a payment service email address associated with a payment service system, the draft email message having a requested payment amount in a subject or body of the email message;

sending, by the user device, the email message to each of the multiple recipient email addresses; and

sending, by the user device, the email message to the payment service system, wherein upon receiving the email message, the payment service system transfers the requested payment amount from a sender account of the sender to respective recipient accounts of the payment service system, each recipient account being associated with a respective recipient email address of the multiple email addresses.

2. A computer-implemented method comprising:

receiving, at a user device, user input from a sender of a request to send a respective payment amount from a sender account of the sender with a payment service system to multiple recipient accounts of the payment service system;

receiving, at the user device, user input indicating respective recipient email addresses for the multiple recipients;

generating a draft email message, the draft email message being addressed to each of the multiple recipients, the draft email message including respective recipient email addresses for each of the multiple recipients; and

sending, to the payment service system, an indication that the sender sent the email message to the multiple recipients, wherein the payment service system transfers the respective payment amount from a sender account of the sender to respective recipient accounts of the payment service system, each recipient account being associated with a respective recipient email address of the multiple recipients.

3. The method of claim 2, wherein receiving user input of respective recipient email addresses for the multiple recipients comprises:

displaying, at the user device, a presentation of a plurality of contacts of the sender, wherein each of the plurality of contacts is associated with a respective email address; and

receiving, at the user device, user selection of each of the multiple recipients.

4. The method of claim 2, wherein receiving user input of respective recipient email address comprises receiving user input of each recipient email address into the draft email message.

5. The method of claim 2, wherein generating the draft email message comprises addressing the draft email message to a payment service email address associated with the payment service system.

6. The method of claim 2, further comprising:

receiving user input of a different respective payment amount for each of the multiple recipients; and

sending, to the payment service system, a notification of each of the different respective payment amounts for each of the multiple recipients.

7. A computer-implemented method comprising:

providing, at a user device, a user interface presenting multiple contacts of a user of the user device;

receiving, at the user device, user selection of one or more of the multiple contacts;

identifying, by the user device, respective recipient email addresses for each of the selected one or more contacts;

generating a draft email message having a confirmation link and being addressed to each of the recipient email addresses and being addressed to a payment service email address associated with a payment service system, the draft email message having the requested payment amount in a subject or body of the email message;

sending, by the user device, the email message to each of the multiple recipient email addresses; and

sending, by the user device, the email message to the payment service system, wherein upon receiving an indication that a recipient selected the confirmation link in the email message, the payment service system transfers the requested payment amount from a recipient account of the recipient to a sender account of the sender.

8. A computer-implemented method comprising:

receiving, at a user device, user input from a sender of a request to receive a respective payment amount from multiple recipient accounts of a payment service system to a sender account of the sender of the payment service system;

receiving, at the user device, user input of respective recipient email addresses for the multiple recipients; and

generating a draft email message, the draft email message being addressed to each of the multiple recipients, the draft email message including respective recipient email addresses for each of the multiple recipients, the draft email message including a confirmation link to a network resource associated with the payment service system,

wherein upon receiving an indication that a recipient selected the confirmation link, the payment service system identifies a sender account of the sender and a recipient account of the recipient and initiates a transfer of the respective requested payment amount from the recipient account to the sender account.

9. The method of claim 8, further comprising:

receiving user input of a different respective payment amount for each of the multiple recipients; and

sending, to the payment service system, a notification of each of the different respective payment amounts for each of the multiple recipients.

10. The method of claim 8, wherein receiving user input of respective recipient email addresses for the multiple recipients comprises:

displaying, at the user device, a presentation of a plurality of contacts of the sender, wherein each of the plurality of contacts is associated with a respective email address; and

receiving, at the user device, user selection of each of the multiple recipients.

11. The method of claim 8, wherein receiving user input of respective recipient email address comprises receiving user input of each recipient email address into the draft email message.

12. The method of claim 8, wherein generating the draft email message comprises addressing the draft email message to a payment service email address associated with the payment service system.

13. A system comprising:

one or more computers and one or more storage devices storing instructions that are operable, when executed by the one or more computers, to cause the one or more computers to perform operations comprising;

providing, at a user device, a user interface presenting multiple contacts of a user of the user device;

receiving, at the user device, user selection of one or more of the multiple contacts;

identifying, by the user device, respective recipient email addresses for each of the selected one or more contacts;

generating a draft email message, the draft email message being addressed to each of the recipient email addresses and being addressed to a payment service email address associated with a payment service system, the draft email message having a requested payment amount in a subject or body of the email message;

sending, by the user device, the email message to each of the multiple recipient email addresses; and

sending, by the user device, the email message to the payment service system, wherein upon receiving the email message, the payment service system transfers the requested payment amount from a sender account of the sender to respective recipient accounts of the payment service system, each recipient account being associated with a respective recipient email address of the multiple email addresses.

14. A system comprising:

one or more computers and one or more storage devices storing instructions that are operable, when executed by the one or more computers, to cause the one or more computers to perform operations comprising;

receiving, at a user device, user input from a sender of a request to send a respective payment amount from a sender account of the sender with a payment service system to multiple recipient accounts of the payment service system;

receiving, at the user device, user input indicating respective recipient email addresses for the multiple recipients;

generating a draft email message, the draft email message being addressed to each of the multiple recipients, the draft email message including respective recipient email addresses for each of the multiple recipients; and

sending, to the payment service system, an indication that the sender sent the email message to the multiple recipients, wherein the payment service system transfers the respective payment amount from a sender account of the sender to respective recipient accounts of the payment service system, each recipient account being associated with a respective recipient email address of the multiple recipients.

15. The system of claim 14, wherein receiving user input of respective recipient email addresses for the multiple recipients comprises:

displaying, at the user device, a presentation of a plurality of contacts of the sender, wherein each of the plurality of contacts is associated with a respective email address; and

receiving, at the user device, user selection of each of the multiple recipients.

16. The system of claim 14, wherein receiving user input of respective recipient email address comprises receiving user input of each recipient email address into the draft email message.

17. The system of claim 14, wherein generating the draft email message comprises addressing the draft email message to a payment service email address associated with the payment service system.

18. The system of claim 14, wherein the operations further comprise:

receiving user input of a different respective payment amount for each of the multiple recipients; and

sending, to the payment service system, a notification of each of the different respective payment amounts for each of the multiple recipients.

19. A system comprising:

one or more computers and one or more storage devices storing instructions that are operable, when executed by the one or more computers, to cause the one or more computers to perform operations comprising;

providing, at a user device, a user interface presenting multiple contacts of a user of the user device;

receiving, at the user device, user selection of one or more of the multiple contacts;

identifying, by the user device, respective recipient email addresses for each of the selected one or more contacts;

generating a draft email message having a confirmation link and being addressed to each of the recipient email addresses and being addressed to a payment service email address associated with a payment service system, the draft email message having the requested payment amount in a subject or body of the email message;

sending, by the user device, the email message to each of the multiple recipient email addresses; and

sending, by the user device, the email message to the payment service system, wherein upon receiving an indication that a recipient selected the confirmation link in the email message, the payment service system transfers the requested payment amount from a recipient account of the recipient to a sender account of the sender.

20. A system comprising:

one or more computers and one or more storage devices storing instructions that are operable, when executed by the one or more computers, to cause the one or more computers to perform operations comprising;

receiving, at a user device, user input from a sender of a request to receive a respective payment amount from multiple recipient accounts of a payment service system to a sender account of the sender of the payment service system;

receiving, at the user device, user input of respective recipient email addresses for the multiple recipients; and

generating a draft email message, the draft email message being addressed to each of the multiple recipients, the draft email message including respective recipient email addresses for each of the multiple recipients, the draft email message including a confirmation link to a network resource associated with the payment service system,

wherein upon receiving an indication that a recipient selected the confirmation link, the payment service system identifies a sender account of the sender and a recipient account of the recipient and initiates a transfer of the respective requested payment amount from the recipient account to the sender account.

21. The system of claim 20, wherein the operations further comprise:

receiving user input of a different respective payment amount for each of the multiple recipients; and

sending, to the payment service system, a notification of each of the different respective payment amounts for each of the multiple recipients.

22. The system of claim 20, wherein receiving user input of respective recipient email addresses for the multiple recipients comprises:

displaying, at the user device, a presentation of a plurality of contacts of the sender, wherein each of the plurality of contacts is associated with a respective email address; and

receiving, at the user device, user selection of each of the multiple recipients.

23. The system of claim 20, wherein receiving user input of respective recipient email address comprises receiving user input of each recipient email address into the draft email message.

24. The system of claim 20, wherein generating the draft email message comprises addressing the draft email message to a payment service email address associated with the payment service system.