Transferring money using email

• US 9,767,458 B2
• Filed: 11/20/2015
• Issued: 09/19/2017
• Est. Priority Date: 03/15/2013
• Status: Active Grant

• Current Assignee: Block, Inc. (f/k/a Square, Inc.)
• Original Assignee: Block, Inc. (f/k/a Square, Inc.)
• Inventors: Dorsey, Jack, Wilson, Jesse, Grassadonia, Brian
• Primary Examiner(s): Patel, Jagdish
• Application Number:
  US14/947,969
• Publication Number:
  US 20160078448A1
• Time in Patent Office: 669 Days
• Field of Search: 705 39, 705 44
• CPC Class Codes: G06Q 10/107 Computer-aided management of electronic mailing [e-mailing]
• CPC Class Codes: G06Q 20/023 the neutral party being a clearing house
• 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 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for transferring money using email. One of the methods includes receiving, at a user device, user input of a request to transfer a payment amount from a recipient account with a payment service system to a sender account of a sender with the payment service system. A draft email message is generated, the message having content identifying the requested payment amount, the draft email message including a confirmation link to a network resource associated with the payment service system, wherein upon receiving an indication that the recipient selected the confirmation link, the payment service system identifies a sender account of the sender and a recipient account of the recipient and initiates a transfer of the requested payment amount from the recipient account to the sender account.

Claims

1. A computer-implemented method for causing funds to be transferred from a recipient to a sender of an email message, comprising:

receiving, by an email application executed by a user device associated with the sender, a user input that specifies a recipient email address of the recipient and a requested payment amount to be transferred from a recipient account associated with the recipient to a sender account associated with the sender,

wherein the recipient account and the sender account are managed by a payment service system;

generating, by the email application executed by the user device, an email message that includes the requested payment amount and a confirmation link to a network resource associated with the payment service system,

wherein the confirmation link is generated for activation in a web browser executing on a recipient user device associated with the recipient; and

sending, by the email application executed by the user device, the email message to the recipient email address of the recipient and a service email address of the payment service system,

wherein upon receiving an indication that the recipient selected the confirmation link in the email message, a server associated with the payment service system identifies the sender account and the recipient account and initiates a transfer of the requested payment amount from the recipient account to the sender account.

2. The method of claim 1, wherein the email message includes the requested payment amount in a subject or a body of the email message.

3. The method of claim 1, wherein the confirmation link is encoded with the sender email address and the recipient email address.

4. The method of claim 1, wherein the sender account and the recipient account are identified by the server based on association data stored in a database associated with the payment service system.

5. The method of claim 4, wherein the association data defines associations between email addresses and user accounts managed by the payment service system.

6. The method of claim 5, wherein a particular email address of the email addresses corresponds to a particular user of multiple users of the payment service system, and wherein the particular email address is associated with a particular user account associated with the particular user in a transaction conducted by the particular user with another user, said another user being one of the multiple users or an unregistered user.

7. A user device, comprising:

a processor communicatively coupled to a memory and operable to execute instructions stored in the memory; and

the memory, which stores instructions for initiating a transfer of funds from a recipient account to a sender account via an email message, wherein the instructions are configured to cause the user device to;

receive, by an email application executing on the user device associated with a sender, a user input that includes a recipient address of a recipient and a requested payment amount to be transferred from the recipient account associated with the recipient to the sender account associated with the sender,

wherein the recipient account and the sender account are managed by a payment service system;

generate an email message that identifies the requested payment amount and includes a confirmation link to a network resource associated with the payment service system,

wherein the confirmation link is generated for activation in a web browser executing on a recipient user device associated with the recipient; and

concurrently send the email message from the user device to the recipient user device and a server associated with the payment service system,

wherein after receiving a first indication that the recipient selected the confirmation link in the email message, the server associated with the payment service system identifies the sender account and the recipient account, and initiates the transfer of the requested payment amount from the recipient account to the sender account.

8. The system of claim 7, wherein the confirmation link is encoded with the sender email address and the recipient email address.

9. The system of claim 7, wherein the instructions are further configured to cause the system to:

send a second indication that a request to transfer the requested payment amount has been input by the sender to the payment service system, wherein the second indication includes a first identifier for the sender account of the payment service system.

10. The system of claim 9, wherein sending the second indication comprises addressing the email message to a service email address associated with the payment service system.

11. The system of claim 9, wherein sending the second indication comprises sending a network request to the server associated with the payment service system.

12. The system of claim 9, wherein the instructions are further configured to cause the system to:

request a second identifier for the request from the payment service system; and

receive, from the payment service system, the second identifier for the request from the payment service system, wherein the second identifier for the request is included in the email message.

13. The system of claim 7, wherein the instructions are further configured to cause the system to:

send a request to verify the sender account associated with the sender to the payment service system, wherein the sender is associated with a user application installed on the user device;

determine whether the sender has an account with the payment service system; and

in response to determining that the sender does not have an account with the payment service system,

prompt the sender to enter payment information; and

send the payment information to the payment service system, wherein the payment service system initiates the transfer of the requested payment amount using the payment information provided by the sender.

14. The system of claim 7, wherein the payment service system initiates the transfer without asking the sender to enter a username or a password.

15. The system of claim 7, wherein the email message includes the payment amount in a subject or a body of the email message.

16. The system of claim 7, wherein the email message includes embedded content that identifies the requested payment amount.

17. A non-transitory computer readable storage medium of a user device associated with a sender of an email message storing computer-executable instructions, the instructions comprising:

instructions for receiving, by an email application executed by the user device, a user input that specifies a recipient email address of a recipient and a requested payment amount to be transferred from a recipient account associated with the recipient to a sender account associated with the sender,

wherein the recipient account and the sender account are managed by a payment service system;

instructions for generating, by the email application executed by the user device, the email message that includes the requested payment amount and a confirmation link to a network resource associated with the payment service system,

wherein the confirmation link is generated for activation in a web browser executing on a recipient user device associated with the recipient; and

instructions for sending, by the email application executed by the user device, the email message to the recipient email address of the recipient and a service email address of the payment service system,

wherein upon receiving an indication that the recipient selected the confirmation link in the email message, a server associated with the payment service system identifies the sender account and the recipient account and initiates a transfer of the requested payment amount from the recipient account to the sender account.

18. A non-transitory computer readable storage medium of a computer system storing computer-executable instructions for transferring funds from a recipient to a sender of an email message, the instructions comprising:

instructions for receiving, from a user device associated with the sender, a first indication of a first email message being sent from the user device to a first email server,

wherein the first email message includes a request for a payment amount to be transferred from a recipient account of the recipient to a sender account of the sender of the first email message,

wherein the recipient account and the sender account are managed by a payment service system, and

wherein the first indication specifies the payment amount to be transferred and includes a recipient email address of the recipient;

instructions for generating a confirmation link that is encoded with the recipient email address and a sender email address;

instructions for generating a second email message that includes the payment amount and the confirmation link that, when selected by the recipient on a recipient user device, authorizes a transfer of the payment amount from the recipient account to the sender account,

wherein the second email message is addressed to the recipient email address;

instructions for sending the second email message to a second email server to be forwarded by the second email server to the recipient at the recipient email address;

instructions for receiving a second indication that the recipient selected the confirmation link; and

instructions for, in response to receiving the second indication that the recipient selected the confirmation link,

recognizing an authorization by the recipient for the payment service system to initiate the transfer of the requested payment amount; and

initiating the transfer of the requested payment amount from the recipient account to the sender account.

19. The non-transitory computer readable storage medium of claim 18, wherein the first email server and the second email server are a same email server.

20. A computer-implemented method, comprising:

receiving, by a payment service system, a first indication from a sender user device associated with a sender of a first email message, the first indication indicative of the first email message being sent from the sender user device to a first email server,

wherein the first indication includes a requested payment amount to be transferred from a recipient account associated with a recipient of the first email message to a sender account associated with the sender, a recipient email address of the recipient, and a sender email address of the sender;

generating, by the payment service system, a confirmation link to a network resource associated with the payment service system, wherein the confirmation link is generated for activation in a web browser executing at a recipient user device associated with the recipient;

generating, by the payment service system, a second email message that specifies the requested payment amount and includes the confirmation link;

sending, by the payment service system, the second email message to a second email server to be forwarded by the second email server to the recipient at the recipient email address;

receiving, by the payment service system, a second indication indicative of the confirmation link in the second email message being selected by the recipient on the recipient user device; and

in response to receiving the second indication,

recognizing, by the payment service system, an authorization by the recipient for the payment service system to initiate a transfer of the requested payment amount; and

initiating, by the payment service system, the transfer of the requested payment amount from the recipient account to the sender account.

21. The method of claim 20, wherein said initiating the transfer of the requested payment amount comprises:

accessing, by the payment service system, association data from a database associated with the payment service system to identify the sender account and the recipient account,

wherein the database stores the association data that defines associations between multiple email addresses and multiple user accounts,

wherein at least one email address corresponds to a particular user of multiple users of the payment service system, and

wherein the at least one email address is associated with at least one of the multiple user accounts in a transaction conducted by said particular user with another user, said another user being one of the multiple users or an unregistered user.

22. A system, comprising:

a processor communicatively coupled to a memory and operable to execute instructions stored in the memory; and

the memory, which includes specific instructions for transferring funds from a recipient account to a sender account based on an email message, wherein the specific instructions are configured to cause the system to;

receive a first indication from a sender user device associated with a sender of a first email message, the first indication indicative of the first email message being sent from the sender user device to a first email server,

wherein the first indication includes a requested payment amount to be transferred from a recipient account associated with a recipient of the first email message to a sender account associated with the sender, a recipient email address of the recipient, and a sender email address of the sender;

generate a confirmation link to a network resource associated with the payment service system, wherein the confirmation link is generated for activation in a web browser executing at a recipient user device associated with the recipient;

generate a second email message that specifies the requested payment amount and includes the confirmation link;

send the second email message to a second email server to be forwarded by the second email server to the recipient at the recipient email address;

receive a second indication indicative of the confirmation link in the second email message being selected by the recipient on the recipient user device; and

in response to receiving the second indication,

recognize an authorization by the recipient for the payment service system to initiate a transfer of the requested payment amount; and

initiate the transfer of the requested payment amount from the recipient account to the sender account.