Systems and methods for bookmark payment processing

• US 9,245,262 B1
• Filed: 10/10/2013
• Issued: 01/26/2016
• Est. Priority Date: 08/15/2013
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Avatara, Satyan
• Primary Examiner(s): Nguyen, Tien
• Application Number:
  US14/051,028
• Time in Patent Office: 838 Days
• Field of Search: 705/35, 705/36, 705/37, 705/39, 705/38, 705/26, 705/40, 705/21, 235/383, 345/723, 345/716, 386/69, 386/70, 455/466, 709/203, 709/246, 707/7, 707/10, 707/200, 707/512, 715/206
• US Class Current: 1/1
• CPC Class Codes: G06F 17/00 Digital computing or data processing equipment or methods, specially adapted for specific functions information retrieval, database structures or file system structures therefor G06F16/00
• 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 20/108 Remote banking, e.g. home banking
• 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 30/0222 During e-commerce, i.e. online transactions

Abstract

The invention provides a method and system that performs transaction processing using a payment bookmark that is associated with a user bookmarked link. The system includes a computer processor constituted by a communication portion; a database; and a bookmark processing portion. The communication portion interfaces with the user to input selection of a payment bookmark, and upon selection of the payment bookmark, the computer processor invoking the bookmark processing portion, and the payment bookmark being mapped to the user bookmarked link (UB link) stored in the database. The UB link is constituted by UB link data, and the UB link data including core link data. The bookmark processing portion performs processing to retrieve available transaction data to append to the core link data of the UB link. The bookmark processing portion outputs the UB link including the UB link data to a server over a network.

Claims

1. A system that performs transaction processing using a payment bookmark that is associated with a user bookmarked link, the system comprising:

at least one computer processor; and

memory having instructions stored thereon, the instructions, when executed by the at least one processor, cause the at least one processor to perform operations, the operations comprising;

receiving a selection of a payment bookmark from a user, and upon selection of the payment bookmark, the computer processor invoking a bookmark processing application;

the payment bookmark mapped to the user bookmarked link (UB link) that is stored in the memory, wherein the UB link includes UB link data, and wherein the UB link data includes core link data;

the bookmark processing application causes the at least one processor to;

identify available transaction data from a merchant website;

retrieve available transaction data from the merchant webpage based on a set of rules, and wherein the retrieved available transaction data includes transaction link data;

append any retrieved transaction link data to the core link data of the UB link data based on the set of rules, such that;

the UB link data includes core link data and transaction link data, when the transaction data was available to retrieve;

the UB link data includes core link data without transaction link data, when transaction link data was not available to retrieve; and

output the UB link with the UB link data to a server over a network, wherein the server performs processing of the UB link and pushes a user transaction webpage back to the user.

2. The system of claim 1, the bookmark processing instructions cause the at least one processor to identify that there is available transaction data, such that transaction data is appended to the UB link.

3. The system of claim 2, the bookmark processing instructions cause the at least one processor to retrieve the available transaction data from the merchant webpage displayed on a user interface of the system.

4. The system of claim 3, the retrieving the available transaction data is performed automatically, without user input, upon the user selecting the UB link.

5. The system of claim 3, the retrieving the available transaction data is performed by interfacing with a user to receive, from the user, at least a portion of the available transaction data.

6. The system of claim 1, the available transaction data constituted by merchant related data and transaction amount data.

7. The system of claim 1, the UB link in the form of a uniform resource locator (URL).

8. The system of claim 1, wherein the bookmark application is disposed (1) in part on a computer readable medium of the system and (2) in part in a cloud computing environment.

9. The system of claim 1, the bookmark processing application is disposed on a computer readable medium of the system.

10. The system of claim 1, the network constituted by the Internet.

11. The system of claim 1, the network constituted by an Intranet.

12. The system of claim 1, wherein the system is disposed in one of a cell phone, smartphone, personal computer, personal digital assistant (PDA), tablet computer, iPad, and notebook computer.

13. The system of claim 1, wherein the retrieving available transaction data includes retrieving data from a merchant in geographical proximity to a user computer.

14. The system of claim 1, wherein the memory includes a plurality of payment bookmarks associated with a user computer.

15. The system of claim 14, the plurality of payment bookmarks, associated with the user computer, being different in regards to preferences associated with each respective bookmark.

16. The system of claim 15, the plurality of payment bookmarks including a first bookmark associated with a first merchant and a second bookmark associated with a second merchant.

17. The system of claim 15, the plurality of payment bookmarks including a first bookmark associated with a first transaction limit and a second bookmark associated with a second transaction limit.

18. A computer-implemented method to perform transaction processing using a payment bookmark that is associated with a user bookmarked link, the method performed by one or more data processing apparatus, the method comprising:

receiving selection of a payment bookmark from a user, and upon selection of the payment bookmark, the one or more data processing apparatus invoking a bookmark processing application stored in a memory;

the payment bookmark mapped to the user bookmarked link (UB link) that is stored in the memory, wherein the UB link includes UB link data, and wherein the UB link data includes core link data;

identifying available transaction data from a merchant webpage;

retrieving, by the one or more data processing apparatus, available transaction data from the merchant webpage performed based on a set of rules, and wherein the retrieved available transaction data includes transaction link data;

appending, by the one or more data processing apparatus, any retrieved transaction link data to the core link data of the UB link data based on the set of rules, such that;

the UB link data includes core link data and transaction link data, when the transaction data was available to retrieve;

the UB link data includes core link data without transaction link data, when transaction link data was not available to retrieve; and

outputting, by the one or more data processing apparatus, the UB link with the UB link data to a server over a network, wherein the server performs processing of the UB link and pushes a user transaction webpage back to the user.

19. A non-transitory computer readable medium having instructions stored thereon, the instructions, when executed by one or more processors, cause the processors to perform transaction processing using a payment bookmark that is associated with a user bookmarked link, the instructions further causing the one or more processors to:

receive selection of a payment bookmark from a user, and upon selection of the payment bookmark, invoke a bookmark processing application;

the payment bookmark mapped to the user bookmarked link (UB link) that is stored in memory, wherein the UB link includes UB link data, and wherein the UB link data includes core link data;

identify available transaction data from a merchant webpage;

retrieve, by the one or more processors, available transaction data from the merchant webpage to performed based on a set of rules, and wherein the retrieved available transaction data includes transaction link data;

append, by the one or more processors, any retrieved transaction link data to the core link data of the UB link data based on the set of rules, such that;

the UB link data includes core link data and transaction link data, when the transaction data was available to retrieve;

the UB link data includes core link data without transaction link data, when transaction link data was not available to retrieve; and

output, by the one or more processors, the UB link with the UB link data to a server over a network, wherein the server performs processing of the UB link and pushes a user transaction webpage back to the user.