Payment system for transactions benefitting charities

• US 8,543,509 B1
• Filed: 02/05/2013
• Issued: 09/24/2013
• Est. Priority Date: 02/04/2013
• Status: Expired due to Fees

• Current Assignee: Dailydonor Incorporated
• Original Assignee: Dailydonor Incorporated
• Inventors: Gundy, Taylor
• Primary Examiner(s): Subramanian, Narayanswamy
• Application Number:
  US13/759,907
• Time in Patent Office: 231 Days
• Field of Search: 705 35- 45
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 30/0219 based on funds or budget
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for presenting offers and processing payment transactions. A method includes receiving current location information from a mobile device associated with the user; providing a list of merchants that are in an immediate proximity to the user and receiving a selection of one of the merchants. The method further includes providing to the user for presentation on the mobile device a charge authorization form for the merchant; providing to the user a final authorization form that includes an area for a password that is associated with an account of the user; authorizing the transaction based at least in part on the receipt of the password; and providing a code for presentation on the user device to enable the user to complete the transaction with the merchant.

Claims

1. A method comprising:

receiving a query from an organization that is seeking charitable contributions the query including an identification of a first merchant to sponsor a charity event;

approaching the first merchant including providing the first merchant with details associated with the charity event including information related to the organization and a size of the charity event;

after acceptance by the first merchant, providing feedback to the organization notifying them of the acceptance of the charity event; and

processing, by one or more processors, transactions from members of a payment system during the charity event including presenting information about the first merchant and the charity event in response to receiving an indication to initiate a payment transaction using the payment system when a user is in proximity to a physical location associated with the first merchant, wherein processing transactions includes

receiving from a user an indication to initiate a payment transaction using a payment system;

receiving current location information from a mobile device associated with the user;

providing a list of merchants that are in an immediate proximity to the user based on the current location information;

receiving a selection of one of the merchants;

providing to the user for presentation on the mobile device a charge authorization form for the merchant wherein the charge authorization form includes an area for receipt of a charge amount;

receiving from the mobile device an indication of the charge amount;

providing to the user a final authorization form that includes an area for a password that is associated with an account of the user;

receiving the password to authorize the payment;

authorizing the transaction based at least in part on the receipt of the password; and

providing a code for presentation on the user device to enable the user to complete the transaction with the merchant.

2. The method of claim 1 further comprising receiving authentication information from the user to initiate a transaction.

3. The method of claim 2 further comprising authenticating the user prior to providing the charge authorization form.

4. The method of claim 1 wherein receiving the indication to initiate a payment transaction includes initiating an application on the mobile device associated with payment transactions.

5. The method of claim 1 wherein providing a list of merchants further includes providing a list of promotions for each merchant that are supported by the payment system and wherein receiving a selection of one of the merchants includes receiving a selection of one of the promotions.

6. The method of claim 1 wherein the charge amount is entered by the user.

7. The method of claim 1 wherein the charge authorization form includes a tool for calculating a tip to be included in the charge amount.

8. The method of claim 1 wherein the password is a personal identification number associated with an account for the user.

9. The method of claim 1 wherein the code is a quick response (QR) code.

10. The method of claim 1 further comprising coincident with providing the code, providing a control for enabling a cancellation of the transaction through the payment system.

11. The method of claim 1 further comprising providing one or more of a summary of a single transaction, all transactions in a time period or a most recent transaction.

12. The method of claim 1 further comprising determining an entity that is associated with the transaction in the payment system and crediting the entity upon completion of the transaction, wherein the entity is the organization and is different from the first merchant.

13. The method of claim 1 further comprising:

finalizing timing and details associated with the charity event with the first merchant prior to sending the notification to the organization.

14. A system comprising:

a mobile device configured to receive from a user an indication to initiate a payment transaction using a payment system; and

a payment system configured to receive current location information from the mobile device associated with the user, and provide a list of merchants that are in an immediate proximity to the user based on the current location information;

wherein the payment system

receives a query from an organization that is seeking charitable contributions, the query including an identification of a first merchant to sponsor a charity event,

approaches the first merchant including providing the first merchant with details associated with the charitable event including information related to the organization and a size of the charity event,

after acceptance by the first merchant, provides feedback to the organization notifying them of the acceptance of the event, and

processes transactions from members of the payment system during the event including presenting information about the first merchant and the event in response to receiving an indication to initiate a payment transaction using the payment system when a user is in proximity to a physical location associated with the first merchant;

wherein the mobile device is configured to receive the list and provide a selection to the payment system;

wherein the payment system is configured to receive a selection of one of the merchants and providing to the user for presentation on the mobile device a charge authorization form for the merchant wherein the charge authorization form includes an area for receipt of a charge amount;

wherein the mobile device is configured to present the charge authorization form to the user and receive a charge amount;

wherein the payment system is configured to receive the charge amount and other data and provide to the user a final authorization form that includes an area for a password that is associated with an account of the user, the payment system being configured to receive the password to authorize the payment;

authorizing the transaction based at least in part on the receipt of the password; and

providing a code for presentation on the user device to enable the user to complete the transaction with the merchant.