Method and system for facilitating a transaction

• US 9,582,817 B2
• Filed: 09/04/2014
• Issued: 02/28/2017
• Est. Priority Date: 06/19/2008
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Keithley, Thomas H.
• Primary Examiner(s): Hamilton, Lalita M
• Application Number:
  US14/477,813
• Publication Number:
  US 20140379486A1
• Time in Patent Office: 908 Days
• Field of Search: 705/26.1, 705/14.4, 705/49, 705/72, 705/73, 705/52, 705/53, 705/65, 705/16, 705/14.49, 705/14.72, 705/14.73, 705/14.52, 705/14.53, 705/14.65, 705/14.16
• US Class Current: 1/1
• CPC Class Codes: G06F 16/9535 Search customisation based on user profiles and personalisation
• CPC Class Codes: G06Q 20/22 Payment schemes or models
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• 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: G06Q 50/10 Services

Abstract

Provided is a system for facilitating a transaction between at least one merchant and at least one consumer. The system includes at least one transaction portal located in a network environment, where the at least one transaction portal associated with at least one consumer affinity. The consumer affinity is an entity, a cause, an affiliation, an organization, a concept, a benefit, an association and/or a sponsor or any combination thereof. The system further includes a communication system for facilitating the transmission of data between the transaction portal, the at least one merchant, the at least one consumer, an entity associated with the consumer affinity or any combination thereof. Also provided is a matching system, a method for facilitating a transaction between at least one merchant and at least one consumer and a method for facilitating a credit-based transaction between at least one merchant and at least one consumer.

Claims

1. A system for facilitating transactions between consumers and merchants, the system comprising:

a communication system configured to facilitate communication of a network;

a transaction database in communication on the network and configured to store transaction data, merchant data, consumer data, credit issuer data, credit product data, consumer affinity data, and/or tracking data;

an affinity database in communication on the network with a plurality of electronic devices and configured to store consumer affinity data, matching data, entity data, cause data, affiliation data, organization data, concept data, benefit data, association data, sponsor data, percentage data, portion data, donation data, fee data, money data, benefit data, and/or sponsorship data;

a kiosk in communication on the network and configured to access a transaction portal, the transaction portal configured to;

be accessed over the network,

determine an identity of a consumer logged onto the transaction portal,

retrieve information associated with the consumer, based on the identity, from the transaction database and/or the affinity database, the information including a plurality of affinities of the consumer, and

generate an interactive web page specifically tailored to the consumer, based on the affinities, the interactive web page configured to be accessed through a plurality of electronic devices and comprising;

a branded portion identifying the affinities and/or entities associated with the affinities;

a catalog portion configured to provide a catalog of products of a merchant; and

a transaction portion associated with a webpage to perform a transaction and configured to process a transaction associated with the consumer and the merchant;

a transactional system in communication on the network and configured to;

consummate the transaction associated with the consumer and the merchant, and

a processor in communication in communication on the network and configured to;

receive an indication of the transaction,

determine the entities associated with the affinities, and

determine a benefit for each of the plurality of entities associated with the transaction.

2. The system of claim 1, wherein

the kiosk is situated at a location accessible to the general public.

3. The system of claim 1, wherein the transaction portal is further configured to retrieve information about the merchant, based on the affinity, from the transaction database, wherein the merchant is willing to pay a benefit to the entity and the information includes an identity of the merchant willing to pay the benefit to the entity in consideration for a transaction consummated with the consumer.

4. The system of claim 3, wherein the processor is further configured to:

convey the benefit in consideration for the consummated transaction to the entity associated with the affinity, wherein the benefit is paid by the merchant.

5. The system of claim 4, wherein:

the transaction is a credit-based transaction or a debit-based transaction that is funded by a credit issuer; and

the credit issuer is the entity or is responsible for conveying the benefit to the entity.

6. The system of claim 5, wherein:

the transactional portal is further configured to enable the consumer to pay the merchant with a credit product or a debit product of the credit issuer;

the information about the merchant further comprises the identity of merchant willing to accept payments comprising a credit product or a debit product of the credit issuer; and

the credit issuer pays part or all of the benefit conveyed to the entity.

7. The system of claim 4, wherein:

the transaction portal is associated with airlines, each having frequent-flyer loyalty program; and

the benefit comprises a provision of credit to the consumer for frequent-flyer airline miles in the loyalty program of a selected one of the airlines.

8. The system of claim 4, wherein:

the transaction portal is associated with merchants offering free or reduced-cost shipping;

the affinity is the consumer; and

the benefit comprises a provision of free or reduced-cost shipping to the consumer for goods or services purchased by the consumer from the merchant selected.

9. A method for facilitating transactions between consumers and merchants, the method comprising:

logging a consumer onto a network-enabled kiosk having a display and configured to access a transaction portal;

accessing the transaction portal over the network;

determining an identity of the consumer logged onto the transaction portal;

retrieving information associated with the consumer, based on the identity, wherein the information includes a plurality of affinities of the consumer;

generating an interactive web page specifically tailored to the consumer, based at least on the affinities, the interactive web page configured to be accessed through a plurality of electronic devices and comprising;

a branded portion identifying the affinities and/or entities associated with the affinities,

a catalog portion configured to provide a catalog of products of a merchant, and

a transaction portion associated with a webpage to perform a transaction and configured to process a transaction associated with the consumer and the merchant;

displaying the interactive web page on the display of the kiosk;

consummating the transaction associated with the consumer and the merchant; and

determining the entities associated with the affinities; and

determining a benefit for each of the plurality of entities associated with the transaction.

10. The method of claim 9, wherein the kiosk is disposed at a location accessible by the general public.

11. The method of claim 9, wherein the transaction portal includes links to merchants willing to pay a benefit to the entity in consideration for a transaction consummated with the consumer.

12. The method of claim 11, further comprising conveying the benefit in consideration for the consummated transaction to the entity associated with the affinity, wherein the benefit is paid by the merchant.

13. The method of claim 12, wherein the benefit comprises:

credit provided to the consumer in a loyalty program of a seller of goods or services, or

free or reduced-cost shipping provided to the consumer for goods or services purchased by the consumer from the merchant selected.

14. A method for facilitating transactions between consumers and merchants, the method comprising:

receiving an identifier of a consumer from a network-enabled kiosk;

communicating the identifier to a service provider;

receiving, from the service provider, an interactive web page specifically tailored to the consumer based at least on a plurality of affinities of the consumer, the interactive web page comprising;

a branded portion identifying the affinities and/or entities associated with the affinities,

a catalog portion configured to provide a catalog of products of a merchant, and

a transaction portion associated with a webpage to perform a transaction and configured to process a transaction associated with the consumer and the merchant;

displaying the interactive web page to the consumer on a network-enabled kiosk;

consummating the transaction associated with the consumer and the merchant; and

determining the entities associated with the affinities; and

determining a benefit for each of the plurality of entities associated with the transaction.

15. The method of claim 14, wherein the kiosk is disposed at a location accessible by the general public.

16. The method of claim 15, wherein the location comprises an airport, a bus station or a train station.

17. The method of claim 14, wherein:

the web page further includes identities of merchants willing to pay a benefit to the entity in consideration for a transaction consummated with the consumer;

the service provider is a credit/debit issuer; and

the method further comprises consummating a transaction between the consumer and a willing merchant selected by the consumer and funded by the credit/debit issuer.

18. The method of claim 17, wherein the benefit is paid to the entity by one, the other, or both of the selected merchant and the credit/debit issuer.

19. The method of claim 17, the benefit comprises:

credit provided to the consumer in a loyalty program of a seller of goods or services, or

free or reduced-cost shipping provided to the consumer for goods or services purchased by the consumer from the selected merchant.

20. The method of claim 17, wherein the affinity comprises a defined goal of the consumer.