Staged transactions systems and methods

• US 9,129,464 B2
• Filed: 08/01/2006
• Issued: 09/08/2015
• Est. Priority Date: 03/31/2001
• Status: Active Grant

• Current Assignee: Western Union
• Original Assignee: Western Union
• Inventors: Hansen, Kurt L., Sayor, Thomas B., Vialpando, Sharon K., Algiene, Ken
• Primary Examiner(s): Reagan, James A
• Application Number:
  US11/497,813
• Publication Number:
  US 20070016526A1
• Time in Patent Office: 3,325 Days
• Field of Search: 705 50- 79
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• 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 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/3433 the counter having monetary units
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/383 Anonymous user system
• CPC Class Codes: G06Q 20/385 : using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 : Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 : Transaction verification
• CPC Class Codes: G06Q 30/0207 : Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0277 : Online advertisement
• CPC Class Codes: G06Q 30/04 : Billing or invoicing
• CPC Class Codes: G06Q 30/0601 : Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 40/00 : Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 7/02 : by keys or other credit registering devices
• CPC Class Codes: G07F 7/025 : by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Abstract

Systems and methods for accepting payments for goods and services provided by a merchant. In one embodiment, a method for accepting payments from a consumer for a good or service provided by a merchant comprises receiving a transaction request from the merchant, receiving a payment from the consumer, associating the payment with the transaction request, and sending at least a portion of the payment to the merchant. In this manner, the merchant stages the transaction, and the consumer completes the transaction by making the payment. An optional time limit feature also may be used, and the transaction may be staged by the consumer, or others.

Claims

1. A computer implemented method for staging a transaction, wherein payments are accepted from a consumer for a good or service provided by a merchant, where the goods or services are ordered on behalf of a consumer by a third party, the method comprising:

a payment service provider receiving, in response to transactions in which goods or services are ordered by one or more third parties rather than the consumer, transaction requests from the merchant, the transaction requests comprising a set of transaction identifiers, the set of identifiers associated with consumer purchases;

storing the transaction requests in a consumer database accessible by the payment service provider;

receiving a payment at the payment service provider from the consumer, including receiving a transaction identifier from the consumer that corresponds to the transaction request;

using a computer to associate the payment with the transaction request and transaction identifier and to establish a payment account with the payment service provider that reflects the payment; and

sending at least a portion of the payment in the payment account to the merchant.

2. The method as in claim 1, further comprising storing a record of the payment and the associated transaction request in a database.

3. The method as in claim 1, further comprising:

receiving an inquiry from the merchant as to whether the payment was made by the consumer; and

sending a reply to the merchant in response to the inquiry.

4. The method as in claim 1, further comprising providing an indication to the merchant that the payment was made by the consumer.

5. The method as in claim 1, wherein sending at least the portion of the payment to the merchant comprises electronically sending at least the portion of the payment to an account of the merchant.

6. The method as in claim 1, wherein the transaction request comprises a consumer profile.

7. The method as in claim 6, further comprising verifying a consumer identity against the consumer profile.

8. The method as in claim 1, wherein the transaction request comprises a time limit, and wherein associating the payment with the transaction request comprises:

accepting the payment if receiving the payment occurs within the time limit; and

rejecting the payment if receiving the payment does not occur within the time limit.

9. The method as in claim 1, wherein the consumer is physically present at a payment service provider location when making payment.

10. The method as in claim 1, wherein the consumer data base is operated by the payment service provider.

11. The method as in claim 1, further comprising providing a confirmation to the consumer after the receiving the payment.

12. The method as in claim 11, wherein the confirmation comprises a certificate reflecting the good or service provided by the merchant.

13. The method as in claim 1, further comprising providing the good to the consumer on behalf of the merchant.

14. The method as in claim 13, wherein the good comprises a data package.

15. The method as in claim 1, further comprising providing the consumer with a location of at least one payment location.

16. The method as in claim 11, wherein the confirmation is selected from a group consisting of a receipt, an electronic ticket, a gift certificate, an award, a redeemable coupon, and a voucher.

17. A computer implemented method for accepting payments from a consumer for a good or service provided by a merchant, the method comprising:

a payment service provider receiving transaction requests from the merchant, the transaction requests comprising a set of transaction identifiers, the set of identifiers associated with consumer purchases;

storing the transaction requests in a consumer database accessible by the payment service provider;

receiving a payment at the payment service provider from the consumer, including receiving a transaction identifier from the consumer that corresponds to the transaction request;

using a computer to associate the payment with the transaction request and transaction identifier and to establish a payment account with the payment service provider that reflects the payment;

sending at least a portion of the payment in the payment account to the merchant; and

providing a confirmation to the consumer from the payment service provider after the receiving the payment at the payment service provider from the consumer, the confirmation reflecting the good or service being provided by the merchant.

18. The method as in claim 17, wherein the confirmation is a data package.

19. The method as in claim 17, wherein the confirmation is selected from a group consisting of a receipt, an electronic ticket, a gift certificate, an award, a redeemable coupon, and a voucher.

20. A computer implemented method for accepting payments from a consumer for a good or service provided by a merchant, the method comprising:

a payment service provider receiving transaction requests from the merchant, the transaction requests comprising a set of transaction identifiers, the set of identifiers associated with consumer purchases;

storing the transaction requests in a consumer database accessible by the payment service provider;

receiving a payment at the payment service provider from the consumer, including receiving a transaction identifier from the consumer that corresponds to the transaction request;

using a computer to associate the payment with the transaction request and transaction identifier and to establish a payment account with the payment service provider that reflects the payment;

transferring at least a portion of the payment in the payment account from the payment service provider to the merchant, wherein the payment service provider waits a predetermined period of time after establishing the payment account and before transferring payment to the merchant, in order to provide the consumer such period of time to dispute the transaction and request return of the payment from the payment service provider; and

providing a confirmation to the consumer from the payment service provider after receiving the payment at the payment service provider from the consumer, the confirmation reflecting the good or service being provided by the merchant.

21. The method as in claim 20, wherein the payment is transferred from the payment service provider to the merchant if a dispute is not lodged by the consumer within the predetermined period of time.

22. A computer implemented method for accepting payments for transactions between a consumer and a merchant related to a good or service provided by the merchant to the consumer, the method comprising:

a payment service provider receiving transaction requests from the merchant, the transaction requests comprising a set of transaction identifiers, the set of identifiers associated with consumer transactions, wherein each transaction identifier comprises first and second portions, wherein the first portion is associated with and is capable of identifying the consumer and the second portion is associated with a specific transaction;

storing data, including the transaction requests and data relating to the consumer, in a consumer database accessible by the payment service provider;

receiving a payment at the payment service provider from the consumer, including receiving a transaction identifier from the consumer that corresponds to the transaction request for a current transaction;

using a computer to associate the payment with the transaction request and transaction identifier and to establish a payment account with the payment service provider that reflects the payment for the current transaction;

sending at least a portion of the payment in the payment account to the merchant; and

separately accessing the consumer database with the first portion of the transaction identifier only and apart from using the computer to associate a payment with the transaction request, so data relating to the consumer may be accessed in the consumer database using the first portion of the transaction identifier.

23. The method as in claim 22, wherein the data relating to the consumer which may be accessed using the first portion of the transaction identifier is selected from a group consisting of prior payments made, past transactions executed by the consumer, future payment schedules, information on late payments, information on non-payments, and information on defaults.