Payment system and method

• US 9,058,601 B2
• Filed: 02/21/2014
• Issued: 06/16/2015
• Est. Priority Date: 08/31/2007
• Status: Active Grant

• Current Assignee: Microsoft Technology Licensing LLC (Microsoft Corporation)
• Original Assignee: Skype S.Ã R.L. (Microsoft Corporation)
• Inventors: Viidu, Siim, Coenen, Edith, Kutt, Andres, Ondeck, Kristen
• Primary Examiner(s): CHEUNG, CALVIN K
• Application Number:
  US14/186,879
• Publication Number:
  US 20140172716A1
• Time in Patent Office: 480 Days
• Field of Search: 705/26.1, 705/39, 705/44, 705/64
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/04 Payment circuits
• 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 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/26 Debit schemes, e.g. "pay now"
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

In one embodiment, transferring payment between a first user and a second user of a communication system includes displaying a contact list in a user interface of a client executed at a user terminal of the first user, the contact list including the second user. The client retrieves and displays at least one page from a payment provider responsive to the first user selecting the second user from the contact list. The client transmits, to the payment provider, information related to the payment entered into the page by the first user, which causes the payment provider to transfer the payment from an account of the first user to an account of the second user.

Claims

1. A computer-implemented method of transferring a payment between a first user of a communication system and a second user of the communication system, the computer-implemented method comprising:

identifying a digital certificate associated with the first user, wherein the digital certificate associated with a communication system;

retrieving a contact list from a contact server using the digital certificate, wherein the contact list including a plurality of contacts, wherein each contact being associated with at least one user of the communication system;

causing the plurality of contacts in the contact list to be displayed in a graphical user interface of a client application executed at a first user'"'"'s terminal;

provide a plurality of selections associated with the each contact in the graphical user interface, wherein one selection of the plurality of selections is a payment transfer option;

automatically identifying the second user as a recipient of said payment responsive to the one selection of a contact associated with the second user and the one selection of the payment transfer option associated with a selected contact;

providing information about the selected contact to a payment provider server;

receiving information related to said payment through the graphical user interface; and

transmitting said information related to said payment to said payment provider server to cause said payment provider server to perform;

transmitting a message to a graphical user interface of a client application at a second user'"'"'s terminal over the communication system; and

transferring said payment from an account of the first user to an account of the second user by linking together authorization information of the second user in the communication system with authorization information of the second user in the payment provider server.

2. The method of claim 1, wherein the one selection of the contact associated with the second user comprises detecting activation of a name of the second user displayed in the graphical user interface of the client application.

3. The method of claim 1, wherein the causing step further comprises triggering, by the client application, displaying of at least one page within a pop-up window.

4. The method of claim 1, wherein said information related to said payment comprises payment provider authorization information for the first user.

5. The method of claim 4, wherein said payment provider authorization information for the first user comprises a payment provider username and a payment provider password.

6. The method of claim 1, wherein said information related to said payment comprises an identity of the second user in the communication system.

7. The method of claim 1, wherein said information related to said payment comprises at least one of a payment amount, a currency, or a message.

8. The method of claim 1, wherein said message transmitted by said payment provider server is an email message transmitted to an email address of the second user.

9. The method of claim 1, wherein said message transmitted by said payment provided server is an SMS message transmitted to a telephone number of the second user.

10. The method of claim 1, wherein the authorization information of the second user is provided for an initial payment by:

authorizing the second user with the communication system;

authorizing the second user with said payment provider server; and

transmitting an acceptance message from the graphical user interface of the client application at the second user'"'"'s terminal to said payment provider server to initiate the transfer of said initial payment.

11. The method of claim 1, wherein said linking comprises storing the authorization information of the second user in the communication system and the authorization information of the second user in said payment provider server at a network node.

12. The method of claim 11, wherein the authorization information of the second user in the communication system is a communication system user name of the second user, and the authorization information of the second user in said payment provider server is a payment provider user name of the second user.

13. One or more computer-readable storage devices comprising instructions stored thereon that, responsive to execution by a processor, perform operations of transferring a payment between a first user of a communication system and a second user of the communication system, the operations comprising:

identifying a digital certificate associated with the first user, wherein the digital certificate associated with the communication system;

retrieving a contact list from a contact server using the digital certificate, wherein the contact list including a plurality of contacts, wherein each contact being associated with at least one user of the communication system;

causing in a graphical user interface at the first user'"'"'s terminal the plurality of contacts in the contact list to be displayed;

provide a plurality of selections associated with the each contact in the graphical user interface, wherein one selection of the plurality of selections is a payment transfer option;

automatically identifying the second user as a recipient of said payment responsive to the one selection of a contact associated with the second user and the one selection of the payment transfer option associated with a selected contact;

providing information about the selected contact to a payment provider server;

receiving information related to said payment through the graphical user interface; and

transmitting said information related to said payment to said payment provider server to cause said payment provider server to perform the operations;

transmitting a message to a second user'"'"'s terminal over the communication system; and

transferring said payment from an account of the first user to an account of the second user by linking together authorization information of the second user in the communication system with authorization information of the second user in the payment provider server.

14. The one or more computer-readable storage devices of claim 13, wherein the causing step further comprises triggering, by a client application, displaying of at least one page within a pop-up window.

15. The one or more computer-readable storage devices of claim 13, wherein said message transmitted by said payment provider server is an email message transmitted to an email address of the second user.

16. The one or more computer-readable storage devices of claim 13, wherein said message transmitted by said payment provided server is an SMS message transmitted to a telephone number of the second user.

17. The one or more computer-readable storage devices of claim 13, wherein said authorization information of the second user is provided for an initial payment by:

authorizing the second user with the communication system;

authorizing the second user with said payment provider server; and

transmitting an acceptance message from said second user'"'"'s terminal of to said payment provider server to initiate the transfer of said initial payment.

18. A computing device comprising:

at least one memory; and

a processor;

wherein the at least one memory is coupled to the processor to implement a client application configured to;

identify a digital certificate associated with a first user, wherein the digital certificate associated with a communication system;

retrieve a contact list from a contact server using the digital certificate, wherein the contact list including a plurality of contacts, wherein each contact being associated with at least one user of the communication system;

cause in a graphical user interface at a first user'"'"'s terminal the plurality of contacts in the contact list to be displayed;

provide a plurality of selections associated with the each contact in the graphical user interface, wherein one selection of the plurality of selections is a payment transfer option;

automatically identify a second user as a recipient of a payment responsive to the one selection of a contact associated with the second user and the one selection of the payment transfer option associated with a selected contact;

provide information about the selected contact to a payment provider server;

receive information related to said payment through the graphical user interface; and

transmit said information related to said payment to said payment provider server to cause said payment provider to;

transmit a message to a second user'"'"'s terminal over the communication system; and

transfer said payment to an account of the second user by linking together authorization information of the second user in the communication system with authorization information of the user in the payment provider server.

19. The computing device of claim 18, wherein said message transmitted by said payment provider server is an email message transmitted to an email address of the second user.

20. The computing device of claim 18, wherein said message transmitted by said payment provided server is an SMS message transmitted to a telephone number of the second user.