Dynamic content for online transactions

• US 8,285,820 B2
• Filed: 09/21/2011
• Issued: 10/09/2012
• Est. Priority Date: 04/07/2006
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: Olliphant, Hugo, Tanaka, Ray, Tien, Alan, Vella, Roy
• Primary Examiner(s): WASEL, MOHAMED A
• Application Number:
  US13/238,959
• Publication Number:
  US 20120016776A1
• Time in Patent Office: 384 Days
• Field of Search: 709217-219, 709/223, 709/225, 705/35
• US Class Current: 709/219
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0253 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 17/16 for devices exhibiting advertisements, announcements, pictures or the like

Abstract

In one example, a method of providing dynamic content includes providing a client device with access to an online marketplace over a network. The method also includes facilitating transmission of a user identifier stored by the client device to a payment service provider. The method further includes receiving dynamic content from the payment service provider in response to the user identifier. In addition, the method includes serving the dynamic content to the client device over the network.

Claims

1. A method of obtaining dynamic content, the method comprising:

accessing an online marketplace from a client device over a network, wherein the online marketplace is provided by a merchant system;

passing a user identifier from the client device over the network, wherein the user identifier is associated with a user account maintained by a payment service provider system;

receiving dynamic content at the client device over the network from the merchant system, wherein the dynamic content is determined by the payment service provider system based on the user identifier; and

wherein the method is performed without requiring a user of the client device to actively engage with the payment service provider.

2. The method of claim 1, wherein the payment service provider system is adapted to receive the user identifier and provide the dynamic content to the merchant system in response thereto.

3. The method of claim 2, wherein the passing comprises passing the user identifier from the client device to the merchant system over the network, wherein the payment service provider system is adapted to receive the user identifier from the merchant system.

4. The method of claim 2, wherein the passing comprises passing the user identifier from the client device to the payment service provider system over the network.

5. The method of claim 1, wherein the dynamic content is in a webpage.

6. The method of claim 1, wherein the dynamic content comprises text or a graphic image.

7. The method of claim 1, wherein the dynamic content identifies rating information for a merchant associated with the merchant system or identifies the existence of an account balance associated with the user account.

8. The method of claim 1, wherein the user identifier comprises a cookie stored by the client device or a registry entry stored by the client device.

9. The method of claim 1, wherein the client device is a wireless telephone.

10. The method of claim 1, further comprising displaying the dynamic content to the user.

11. The method of claim 10, wherein the displaying comprises displaying the dynamic content to the user in a toolbar interface.

12. The method of claim 1, wherein the accessing is performed in response to an action by the user.

13. A client device comprising:

a non-transitory computer readable storage medium comprising;

a user identifier stored therein; and

program code stored therein, wherein the program code comprises an application adapted to cause the client device to;

access an online marketplace from the client device over a network, wherein the online marketplace is provided by a merchant system,

pass a user identifier from the client device over the network, wherein the user identifier is associated with a user account maintained by a payment service provider system,

receive dynamic content at the client device over the network from the merchant system, wherein the dynamic content is determined by the payment service provider system based on the user identifier, and

perform the access, pass, and receive operations without requiring a user of the client device to actively engage with the payment service provider.

14. The client device of claim 13, wherein the payment service provider system is adapted to receive the user identifier and provide the dynamic content to the merchant system in response thereto.

15. The client device of claim 14, wherein the application is adapted to cause the client device to pass the user identifier from the client device to the merchant system over the network, wherein the payment service provider system is adapted to receive the user identifier from the merchant system.

16. The client device of claim 14, wherein the application is adapted to cause the client device to pass the user identifier from the client device to the payment service provider system over the network.

17. The client device of claim 13, wherein the dynamic content is in a webpage.

18. The client device of claim 13, wherein the dynamic content comprises text or a graphic image.

19. The client device of claim 13, wherein the dynamic content identifies rating information for a merchant associated with the merchant system or identifies the existence of an account balance associated with the user account.

20. The client device of claim 13, wherein the user identifier comprises a cookie stored by the client device or a registry entry stored by the client device.

21. The client device of claim 13, wherein the client device is a wireless telephone.

22. The client device of claim 13, wherein the application is adapted to cause the client device to display the dynamic content to the user.

23. The method of claim 22, wherein the application is adapted to cause the client device to display the dynamic content to the user in a toolbar interface.

24. The client device of claim 13, wherein the application is adapted to cause the client device to perform the access operation in response to an action by the user.