Method and apparatus for data recipient storage and retrieval of data using a network communication device

• US 8,423,474 B2
• Filed: 05/30/2012
• Issued: 04/16/2013
• Est. Priority Date: 10/07/1998
• Status: Expired due to Fees

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.), Paypal International Limited (PayPal Holdings, Inc.)
• Inventors: Light, Elliott D., Lum, James C. P.
• Primary Examiner(s): Elisca, Pierre E
• Application Number:
  US13/484,209
• Publication Number:
  US 20120271700A1
• Time in Patent Office: 321 Days
• Field of Search: 705/59, 705/80, 705/64, 705/72
• US Class Current: 705/59
• CPC Class Codes: G06Q 10/103 Workflow collaboration or project management
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/389 Keeping log of transactions for guaranteeing non-repudiation of a transaction
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0277 Online advertisement
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0633 Lists, e.g. purchase orders, compilation or processing
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A system and method for data recipient invoked electronic commerce allowing data subjects to provide and data recipients to receive information over a network relating to the needs of a data subject such as purchases, distribution of application information and the like. The system includes a server having software which gathers the information from a data subject to complete a transaction. The system has a data subject data structure that stores information for registered data subjects. The software can access the data subject data structure and enter the data subject'"'"'s information during subsequent transactions. Having the software obtain and enter the data subject'"'"'s purchasing information, the data subject does not have to enter the same information every time the data subject desires to effect a transaction over the network. In alternate embodiments, the same technology can be applied to other arenas where a user enters the same repetitive information.

Claims

1. A server that:

communicates an offer and a cookie with a customer;

in response to the offer being communicated between the customer and a merchant, receives the offer and the cookie;

in response to the offer, determines an identity of the customer based on the cookie;

retrieves previously stored payment data associated with the customer based on the determined identity wherein the payment data comprises user preference information of the customer;

receives a purchase decision from the customer; and

sends the payment data to the merchant.

2. The server of claim 1, wherein the server further:

prompts the customer for identification;

receives identifying information from the customer; and

verifies the customer based on the identifying information.

3. The server of claim 2, wherein the identifying information includes an identification number, an email address, and a passphrase.

4. The server of claim 2, wherein the server further:

prompts the customer for purchasing information; and

receives the purchasing information from the customer.

5. The server of claim 1, wherein the offer includes a merchant, a price, a merchant digital signature, and a transaction number.

6. The server of claim 1, wherein the user preference information includes shipping method preference information.

7. The server of claim 1, wherein the user preference information further comprises a shipping address of the customer.

8. The server of claim 7, wherein the payment data further comprises an e-mail address of the customer.

9. The server of claim 8, wherein the payment data further comprises a telephone number of the customer.

10. The server of claim 9, wherein the payment data further comprises a facsimile number of the customer.

11. A computer-implemented method of consummating a commercial transaction between a customer and a merchant, the method comprising:

using a computer to communicate an offer and a cookie with the customer;

in response to the offer being communicated between the customer and the merchant, receiving the offer and the cookie at the computer;

in response to the offer, determining an identity of the customer based on the cookie;

using the computer to retrieve previously stored payment data associated with the customer based on the determined identity wherein the payment data comprises user preference information of the customer;

receiving a purchase decision from the customer at the computer; and

sending the payment data to the merchant.

12. The method of claim 11, further comprising:

prompting the customer for identification;

receiving identifying information from the customer; and

verifying the customer at the computer based on the identifying information.

13. The method of claim 12, wherein the identifying information includes an identification number, an email address, and a passphrase.

14. The method of claim 12, further comprising:

prompting the customer for purchasing information; and

receiving, at the computer, the purchasing information from the customer.

15. The method of claim 11, wherein the offer includes a merchant, a price, a merchant digital signature, and a transaction number.

16. The method of claim 11, wherein the user preference information includes shipping method preference information.

17. The method of claim 11, wherein the payment data further comprises a shipping address of the customer.

18. The method of claim 17, wherein the payment data further comprises an e-mail address of the customer.

19. The method of claim 18, wherein the payment data further comprises a telephone number of the customer.

20. The method of claim 19, wherein the payment data further comprises a facsimile number of the customer.