Staged transactions systems and methods
First Claim
1. A method for accepting payments from a consumer for a good or service provided by a merchant, the method comprising:
- 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.
4 Assignments
0 Petitions
Accused Products
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.
176 Citations
47 Claims
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1. A method for accepting payments from a consumer for a good or service provided by a merchant, the method comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 8, 9, 10, 11, 12, 13, 14, 15)
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7. The method as 6 further comprising verifying a consumer identity against the consumer profile.
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16. A method for accepting payments from a consumer for a good or service provided by a merchant, the method comprising:
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receiving a transaction request from the merchant, the transaction request comprising a time limit;
providing the merchant with a transaction identifier corresponding to the transaction request;
receiving a payment attempt from the consumer; and
accepting the payment if the payment attempt is within the time limit. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30)
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31. A system for receiving payments from consumers that are associated with goods and/or services supplied by a merchant, the system comprising:
a processor and a storage medium, wherein the storage medium includes instructions executable by the processor to;
receive a transaction request from the merchant;
receive a payment entry from the consumer;
associate the payment entry with the transaction request; and
send at least a portion of the payment to the merchant. - View Dependent Claims (32, 33, 34, 35, 36)
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37. A method for accepting payments from a consumer for a good or service provided by a merchant, the method comprising:
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receiving a transaction request from the consumer;
reporting the transaction request to the merchant;
obtaining a transaction identifier;
receiving a payment from the consumer, the payment associated with the transaction identifier; and
reporting the payment to the merchant. - View Dependent Claims (38, 39, 40, 41, 42)
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43. A method for accepting payments on behalf of a merchant, the method comprising:
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receiving a transaction request;
reporting the transaction request to the merchant;
associating a transaction identifier with the transaction request;
receiving a payment associated with the transaction identifier; and
reporting the payment to the merchant. - View Dependent Claims (44, 45, 46, 47)
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Specification