VERIFIED PURCHASING BY PUSH NOTIFICATION

• US 20150339656A1
• Filed: 05/21/2014
• Published: 11/26/2015
• Est. Priority Date: 05/21/2014
• Status: Abandoned Application

• Current Assignee: Block, Inc. (f/k/a Square, Inc.)
• Original Assignee: Square Inc (Block, Inc. (f/k/a Square, Inc.))
• Inventors: Wilson, Jesse, Grassadonia, Brian, Rhodes, Matthew
• Application Number:
  US14/283,504
• Publication Number:
  US 20150339656A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06F 21/31 User authentication
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• 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
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: H04L 67/53 using third party service providers
• CPC Class Codes: H04W 12/082 using revocation of authorisation

Abstract

Disclosed are a system and a method for purchasing items from a merchant system using a single verification action. A user initiates a purchase transaction from a user interface of the merchant system by submitting a communication identifier in lieu of payment information or login credentials. The merchant system then generates a payment request including the communication identifier and sends the request to a payment service system. The payment service system uses the communication identifier to identify a verification device and send a push notification to the verification device to request the user to confirm or cancel the purchase transaction. Upon receiving confirmation from the user, the payment service system initiates a transfer of a payment amount associated with the purchase transaction from a financial account associated communication identifier to a financial account associated with the merchant system to pay for the purchase transaction.

Claims

1. A method performed by a payment service system for processing an online purchase transaction between a user and a third-party merchant system, comprising:

receiving, by the payment service system, a payment request from the third-party merchant system, the payment request including a communication identifier, wherein the communication identifier is submitted, in lieu of login credentials or payment information, by the user, using a computing device associated with the user, to the third-party merchant system to complete a checkout process for the online purchase transaction via the computing device;

determining, by the payment service system, whether the communication identifier is associated with a payment card by accessing a datastore coupled to the payment service system;

after a determination that the communication identifier is not associated with the payment card, transmitting, by the payment service system, a first notification to a mobile device associated with the user using the communication identifier, the first notification configured to prompt the user to associate the payment card with the communication identifier to process the payment request; and

after a determination that the communication identifier is associated with the payment card,

identifying, by the payment service system, a verification device associated with the communication identifier, wherein the verification device is separate from the computing device at which the communication identifier is submitted;

transmitting, by the payment service system, a second notification to the verification device associated with the communication identifier to request the user to confirm or cancel the online purchase transaction, the second notification including information relating to the online purchase transaction;

receiving, by the payment service system, a response from the verification device, the response confirming the online purchase transaction; and

based on the response, processing the payment request from the third-party merchant system by transferring a payment amount associated with the online purchase transaction from a financial account associated with the payment card to a financial account associated with the third-party merchant system.

2. The method of claim 1, wherein the communication identifier is submitted by the user via a user interface of the third-party merchant system, the user interface accessible via the computing device.

3. The method of claim 1, wherein the communication identifier is submitted by the user via a user interface of the third-party merchant system, the user interface accessible via an application installed on the verification device.

4. The method of claim 1, further comprising:

prior to transmitting the second notification to the verification device, assessing whether a level of risk associated with the payment request is lower than a predefined threshold, wherein the second notification is transmitted to the verification device in an event that the level of risk is lower than the predefined threshold, the level of risk being lower than the predefined threshold indicating that the online purchase transaction is a legitimate purchase transaction.

5. The method of claim 4, wherein assessing the level of risk associated with the payment request includes assessing at least one risk factor including a purchase pattern associated with the user, the payment amount, a frequency of payment requests in a given duration, a timing of the payment request or an identity of the third-party merchant system.

6. The method of claim 1, wherein the communication identifier includes at least one of an email address or a phone number.

7. The method of claim 1, wherein the verification device is identified based on a mobile application installed on the verification device, wherein the mobile application is associated with the payment service, wherein the second notification is transmitted to the verification device using a push notification service associated with the mobile application.

8. The method of claim 1, wherein the second notification is transmitted to the verification device using the communication identifier that includes at least one of an email address or a phone number.

10. The method of claim 1, further comprising:

providing by the payment service system an address associated with the user to the third-party merchant system when the online purchase transaction involves a physical delivery of a product.

25. The method of claim 1, wherein the verification device is the mobile device or a different device.

9. (canceled)

11. A method performed by a payment service system for processing an online purchase transaction between a user and a merchant system, comprising:

receiving, from the merchant system, an email address and a payment request specifying a payment amount corresponding to the online purchase transaction, wherein the email address, instead of payment information or login credentials, is submitted to the merchant system via a computing device to complete a checkout process with the merchant system;

maintaining, in a storage area associated with the payment service system, information associated with user accounts, including email addresses, mobile device identifiers and information associated with payment cards;

based on the email address received from the merchant system,

retrieving, from the storage area, a mobile identifier associated with the email address;

identifying a mobile device of the user based on the mobile identifier, wherein the mobile device is separate from the computing device at which the email address is submitted; and

retrieving, from the storage area, information associated with a payment card for accessing a financial account associated with the user;

transmitting a message to the identified mobile device to request the user to confirm the online purchase transaction;

receiving a response to the message from the user via the mobile device, the response including a security code;

verifying that the security code in the response matches a card verification value associated with the payment card; and

in response to the verifying of the security code received via the mobile device, causing a transfer of the specified payment amount from the financial account associated with the payment card to a financial account associated with the merchant system to pay for the online purchase transaction completed at the computing device.

12. The method of claim 11, wherein the email address is submitted by the user via a user interface of the merchant system, the user interface accessible by the user via the computing device.

13. The method of claim 11, wherein the email address is submitted by the user via a user interface of the merchant system, the user interface accessible via an application on the mobile device.

14. The method of claim 11, wherein the request is transmitted to the mobile device using a push notification service associated with an application installed on the mobile device, the application associated with the payment service.

15. The method of claim 11, further comprising:

determining a risk score associated with the online purchase transaction; and

based on the risk score relative to a predefined threshold, determining an action for processing the online purchase transaction;

wherein the action includes transmitting the request to the mobile device to obtain a confirmation of the online purchase transaction when the risk score indicates that the online purchase transaction is unlikely to be a fraudulent transaction.

16. The method of claim 15, wherein the risk score is determined based on at least two of:

the specified payment amount, a number of online purchase transactions occurring in a given duration, a timing of the online purchase transaction or an identity of a merchant associated with the merchant system.

17. The method of claim 15, wherein the action includes blocking the request to the mobile device when the risk score is higher than the predefined threshold indicating that the online purchase transaction is likely to be a fraudulent transaction.

18. A payment service system for processing a purchase transaction between a user and a merchant system distinct from the payment service system, comprising:

a memory;

a processor configured to execute instructions stored in the memory to;

receive a payment request from the merchant system over a communication network, the payment request being generated by the merchant system in response to receiving a communication identifier submitted by the user to the merchant system to complete a checkout process for the purchase transaction, wherein the checkout process is completed at the merchant system without login credentials or payment information submitted to the merchant system;

identify an account associated with the communication identifier, the account including information associated with a payment card for accessing a financial account associated with the user and information identifying a mobile device;

examine transaction history associated with the account and a payment amount specified in the payment request to determine whether a level of risk associated with the payment request is higher than a predefined threshold;

in an event that the level of risk is higher than the predefined threshold, automatically block the payment request without notifying the user, the level of risk being higher than the predefined threshold indicating that the purchase transaction is potentially fraudulent;

in an event that the level of risk is not higher than the predefined threshold;

send a push notification to the mobile device associated with the communication identifier;

receive a confirmation of the purchase transaction from the user; and

in response to receiving the confirmation from the user, cause a transfer of the payment amount specified in the payment request from the financial account associated with the user to a financial account associated with the merchant system to complete the purchase transaction.

19. The system of claim 18, wherein the purchase transaction is initiated using a computing device that is separate from the mobile device.

21. The system of claim 18, further wherein the processor is further configured to examine a number of payment requests in a given duration, a timing of the payment request or an identity of the merchant system to determine the level of risk associated with the payment request.

22. The system of claim 18, wherein the communication identifier includes at least one of an email address or a phone number.

20. (canceled)

23. A method of purchasing an item, comprising:

receiving, at a merchant system, a communication identifier to complete a checkout process for purchasing the item, the checkout process initiated at a computing device, the submission of the communication identifier being a substitute for entry of payment information or login credentials;

transmitting, by the merchant system, a payment request to the payment service system, wherein the payment request includes the communication identifier and a payment amount corresponding to the item being purchased;

receiving, by the merchant system, a response to the payment request from the payment service system, wherein the response is based on an identification of a payment card of a user associated with the communication identifier, and further based on a user confirmation or rejection obtained through an exchange of messages between a mobile device of the user and the payment service system, wherein the mobile device is identified by the payment service system based on the communication identifier, the mobile device being separate from the computing device at which the checkout process is initiated;

wherein when the response is a success response, the payment amount specified in the payment request is deposited in a financial account associated with the merchant system by the payment service system; and

wherein when the response is a failed response, canceling, by the merchant system based on the failed response, the purchase of the item and notifying the user of the cancellation.

24. The method of claim 23, wherein the communication identifier is any one of an email address or a phone number.