PAYMENT SYSTEM THAT REDUCES OR ELIMINATES THE NEED TO EXCHANGE PERSONAL INFORMATION
First Claim
1. A method for operating a payment system that processes transactions, each transaction involving a transfer of a payment from a payer to a payee, the method comprising:
- operating at least one processor to;
receive information regarding a transaction between a payer and a payee from a mobile device operated by the payer;
in response to confirming that the payer has fulfilled obligations of the payer for the transaction, select from at least one data store a confirmation message associated with the payee, the at least one data store storing a plurality of confirmation messages associated with a plurality of parties to transactions; and
transmit the confirmation message associated with the payee to the mobile device for display on the mobile device.
1 Assignment
0 Petitions
Accused Products
Abstract
A payment system that securely identifies transactions using a transaction identifier that may be set by the parties to the transaction, such that the parties may interact regarding the transaction with one another and with the payment system using that identifier rather than personal identification information. In embodiments, funds may be transferred between individuals that are anonymous to one another, or transferred with limited exchange of personal identification information. When a first individual (the “payer”) seeks to pay a second individual, the first may obtain from the second (the “payee”) an identifier for the transaction. The payer may register the transaction with the payment system, including by providing this transaction identifier. The second individual may subsequently “claim” the transaction by providing that transaction identifier to the system and thereby demonstrating that he/she is the payee of the transaction, after which the system may transfer funds to the second individual.
9 Citations
32 Claims
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1. A method for operating a payment system that processes transactions, each transaction involving a transfer of a payment from a payer to a payee, the method comprising:
operating at least one processor to; receive information regarding a transaction between a payer and a payee from a mobile device operated by the payer; in response to confirming that the payer has fulfilled obligations of the payer for the transaction, select from at least one data store a confirmation message associated with the payee, the at least one data store storing a plurality of confirmation messages associated with a plurality of parties to transactions; and transmit the confirmation message associated with the payee to the mobile device for display on the mobile device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A method for operating a payment system that processes transactions, each transaction involving a transfer of a payment from a payer to a payee, the method comprising:
operating at least one processor to; receive first input by a user identifying one or more content units of a set of options for content units, the content units of the set of options being available for inclusion in confirmation messages that are to be selected for output to confirm initiation of a payment transaction; receive second input by the user identifying one or more conditions under which a confirmation message including the one or more content units is to be selected for output to confirm initiation of a payment transaction, with the payment system, to pay the user; store an identification of the one or more content units and the one or more conditions; and when a first payment transaction to pay the user satisfies the one or more conditions, output the confirmation message including the one or more content units. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23)
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24. An apparatus comprising:
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at least one processor; and at least one computer-readable storage medium having encoded thereon executable instructions that, when executed by the at least one processor, cause the at least one processor to carry out a method for operating a payment system that processes transactions, each transaction involving a transfer of a payment from a payer to a payee, the method comprising; receiving information regarding a transaction between a payer and a payee from a mobile device operated by the payer; in response to confirming that the payer has fulfilled obligations of the payer for the transaction, selecting from at least one data store a confirmation message associated with the payee, the at least one data store storing a plurality of confirmation messages associated with a plurality of parties to transactions; and transmitting the confirmation message associated with the payee to the mobile device for display on the mobile device. - View Dependent Claims (25, 26, 27, 28, 29, 30, 31, 32)
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Specification