On-line payment transactions

• US 8,583,501 B2
• Filed: 08/07/2012
• Issued: 11/12/2013
• Est. Priority Date: 01/29/2007
• Status: Active Grant

• Current Assignee: Google LLC (Alphabet Inc.)
• Original Assignee: Google Inc. (Alphabet Inc.)
• Inventors: Dierks, Timothy M.
• Primary Examiner(s): Maguire, Lindsay M.
• Application Number:
  US13/568,253
• Publication Number:
  US 20120303486A1
• Time in Patent Office: 462 Days
• Field of Search: 705/26, 705/40
• US Class Current: 705/26
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G06Q 30/0611 Request for offers or quotes
• CPC Class Codes: G06Q 30/0613 Third-party assisted
• CPC Class Codes: G06Q 30/0617 Representative agent
• CPC Class Codes: G06Q 30/0633 Lists, e.g. purchase orders, compilation or processing
• CPC Class Codes: G06Q 30/0635 Processing of requisition or of purchase orders
• CPC Class Codes: G06Q 30/0641 Shopping interfaces

Abstract

A computer-implemented method includes generating on a user terminal a merchant web site associated with a merchant with code for a merchant web page, transmitting a product selection request for the user to a remote open payment system that is separate from the merchant, and displaying purchase information responsive to the product selection request using the code for the merchant web page.

Claims

1. A computer-implemented method comprising:

generating, by one or more computing devices operated by a payment system that supports payments made to a plurality of different merchants, code that, when invoked by one or more user computing devices operated by a user, displays a control for transmitting a product selection request by the user to the payment system;

providing, by the one or more computing devices operated by the payment system, the code for inclusion on a first merchant web page, wherein the first merchant web page is associated with a first merchant and wherein the first merchant web page comprises a visual representation of one or more items;

in response to the user selecting the control on the first merchant web page, receiving, by the one or more computing devices operated by the payment system, the product selection request; and

in response to the product selection request, providing, by the one or more computing devices operated by the payment system, purchase information associated with the one or more items for display in a single window with the visual representation of the one or more items selected by the user without refreshing the single window.

2. The method of claim 1, further comprising, in response to receiving the product selection request, receiving and checking, by the one or more computing devices operated by the payment system, a hash code generated in response to the product selection request to ensure that the code has not been changed after providing the code for inclusion on a first merchant web page.

3. The method of claim 1, wherein providing the purchase information associated with the one or more items includes checking an inventory database maintained by the first merchant for availability of the one or more items prior to providing the purchase information associated with the one or more items.

4. The method of claim 1, wherein the purchase information of the one or more items includes at least one of a quantity of the one or more items, a price associated with the one or more items, and a total price of the one or more items.

5. The method of claim 1, comprising:

determining, by the one or more computing devices operated by the payment system, an amount associated with the transaction; and

causing, by the one or more computing devices operated by the payment system, a credit in the amount to be added to an account associated with the first merchant.

6. The method of claim 1, comprising:

receiving, by the one or more computing devices operated by the payment system, authentication information from the user; and

matching, by the one or more computing devices operated by the payment system, the authentication information to a session identifier received in the product selection request.

7. The method of claim 1, comprising:

storing, by the one or more computing devices operated by the payment system, a range of permissible prices for the one or more items; and

comparing, by one or more computing devices operated by the payment system, price information for the one or more items received in the product selection request to the stored range of permissible prices,

wherein the purchase information is provided only if the price information is within the range of permissible prices.

8. A system, comprising:

a storage device; and

a processor configured to execute computer-readable instructions stored in the storage device to cause the system to;

generate code that, when invoked by one or more user computing devices operated by a user, displays a control for transmitting a product selection request by the user to a payment system;

provide the code for inclusion on a first merchant web page, wherein the first merchant web page is associated with a first merchant and wherein the first merchant web page comprises a visual representation of one or more items;

receive the product selection request in response to the user selecting the control on the first merchant web page; and

provide purchase information associated with the one or more items for display in a single window with the visual representation of the one or more items selected by the user without refreshing the single window in response to the product selection request.

9. The system of claim 8, wherein the processor is further configured to execute computer-executable instructions stored in the storage medium to cause the system to, in response to receiving the product selection request, operations of receiving and checking a hash code generated in response to the product selection request to ensure that the code has not been changed after providing the code for inclusion on a first merchant web page.

10. The system of claim 8, wherein providing the purchase information associated with the one or more items includes operations of checking an inventory database maintained by the first merchant for availability of the one or more items prior to providing the purchase information associated with the one or more items.

11. The system of claim 8, wherein the purchase information of the one or more items includes at least one of a quantity of the one or more items, a price associated with the one or more items, and a total price of the one or more items.

12. The system of claim 8, wherein the processor is further configured to execute computer-executable instructions stored in the storage medium to cause the system to:

determine an amount associated with the transaction; and

cause a credit in the amount to be added to an account associated with the first merchant.

13. The system of claim 8, wherein the processor is further configured to execute computer-executable instructions stored in the storage medium to cause the system to:

receive authentication information from the user; and

match the authentication information to a session identifier received in the product selection request.

14. The system of claim 8, wherein the processor is further configured to execute computer-executable instructions stored in the storage medium to cause the system to:

store a range of permissible prices for the one or more items; and

compare price information for the one or more items received in the product selection request to the stored range of permissible prices,

wherein the purchase information is provided only if the price information is within the range of permissible prices.

15. A computer program product, comprising:

a non-transitory computer-readable medium having computer-readable program instructions embodied thereon that when executed by a computer cause the computer to perform operations, the computer-readable program instructions comprising;

computer-readable program instructions to generate code that, when invoked by one or more user computing devices operated by a user, displays a control for transmitting a product selection request by the user to the payment system;

computer-readable program instructions to provide the code for inclusion on a first merchant web page, wherein the first merchant website is associated with a first merchant and wherein the first merchant website comprises a visual representation of one or more items;

computer-readable program instructions to receive the product selection request in response to the user selecting the control on the first merchant web page; and

computer-readable program instructions to provide purchase information associated with the one or more items for display in a single window with the visual representation of the one or more items selected by the user without refreshing the single window in response to the product selection request.

16. The computer program product of claim 15, further comprising computer-readable program instructions to receive and check a hash code generated in response to the product selection request to ensure that the code has not been changed after providing the code for inclusion on a first merchant web page.

17. The computer program product of claim 15, wherein providing the purchase information associated with the one or more items comprises computer-readable program instructions to check an inventory database maintained by the first merchant for availability of the one or more items prior to providing the purchase information associated with the one or more items.

18. The computer program product of claim 15, wherein the purchase information of the one or more items includes at least one of a quantity of the one or more items, a price associated with the one or more items, and a total price of the one or more items.

19. The computer program product of claim 15, further comprising:

computer-readable program instructions to determine an amount associated with the transaction; and

computer-readable program instructions to cause a credit in the amount to be added to an account associated with the first merchant.

20. The computer program product of claim 15, further comprising:

computer-readable program instructions to store a range of permissible prices for the one or more items; and

computer-readable program instructions to compare price information for the one or more items received in the product selection request to the stored range of permissible prices,

wherein the purchase information is provided only if the price information is within the range of permissible prices.