PAYMENT SERVICE

• US 20080313053A1
• Filed: 08/26/2008
• Published: 12/18/2008
• Est. Priority Date: 03/21/2003
• Status: Abandoned Application

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: Listwon, Benjamin Gregg, Levchin, Max R., Kang, David Young-June, Li, David Ching
• Application Number:
  US12/198,664
• Publication Number:
  US 20080313053A1
• Time in Patent Office: Days
• US Class Current: 705/26
• 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 20/10 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 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• 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 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G06Q 30/0613 Third-party assisted
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce data processing systems or methods, specially adapted for e-commerce G06Q30/00
• CPC Class Codes: H04L 63/102 Entity profiles
• CPC Class Codes: H04L 63/12 Applying verification of the received information cryptographic mechanisms or cryptographic arrangements for data integrity or data verification H04L9/32
• CPC Class Codes: H04L 63/168 above the transport layer
• CPC Class Codes: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]
• CPC Class Codes: H04L 67/025 for remote control or remote monitoring of applications
• CPC Class Codes: H04L 67/52 specially adapted for the location of the user terminal

Abstract

A method and system to offer a payment service to a consumer user. The system receives a check-out request from the consumer user of an electronic storefront. The check-out request is for purchase one or more products from the electronic storefront. The system determines whether to offer a payment service to the consumer user by identifying whether the consumer user is authorized to use the payment service to make purchases from the electronic storefront. Finally, the system serves a web-based check-out interface to a client used by the consumer user. The check-out interface includes an offer to the consumer user to use the payment service. Specifically, the offer includes an option to enable the consumer user to make payment for the one or more products via the payment service.

Claims

1. A method to offer a payment service to a consumer user, the method comprising:

receiving a check-out request from the consumer user of an electronic storefront to purchase one or more products from the electronic storefront;

determining whether to offer the payment service to the consumer user based on whether the consumer user is authorized to use the payment service to make purchases from the electronic storefront; and

serving a web-based check-out interface to a client used by the consumer user, the check-out interface including the offer to the consumer user to use the payment service, and the offer including an option to enable the consumer user to make payment for the one or more products via the payment service.

2. The method of claim 1, further comprising:

sending a service cookie from the payment service to the client, the cookie containing information to identify the consumer user;

passing the service cookie via the client to the payment service in response to a prompt from the electronic storefront; and

identifying the consumer user via the service cookie.

3. The method of claim 1, further comprising authenticating the electronic storefront with the payment service.

4. The method of claim 3, further comprising comparing a merchant identifier (ID) with user profile information to authenticate the storefront.

5. The method of claim 4, wherein the merchant ID is provided to the payment service via a uniform resource locator (URL).

6. The method of claim 1, providing an application program interface (API) to the electronic storefront.

7. The method of claim 1, further comprising serving a web-based check-out interface to the client that does not offer the payment service to the consumer user.

8. The method of claim 1, wherein the determining whether to offer the payment service to the consumer user is transparent to the consumer user.

9. The method of claim 1, further comprising embedding a return URL within a URL used to redirect the browser to the payment service, the return URL is utilized to redirect the browser to the web-based checkout interface.

10. A system to offer a payment service to a consumer user, the system comprising:

a merchant server to host the electronic storefront, the electronic storefront to receive a check-out request from the consumer user, the check-out request to purchase of one or more products from the electronic storefront; and

a payment service server to host a payment service, the payment service server to determine whether to offer the payment service to the consumer user, the payment service server to determine whether the consumer user is authorized to use the payment service to make purchases from the electronic storefront, the merchant server to serve a web-based check-out interface to a client used by the consumer user, the check-out interface includes the offer to the consumer user to use the payment service, and the offer includes an option to enable the consumer user to make payment for the one or more products via the payment service.

11. The system of claim 10, wherein the payment service server is to send a service cookie to the client, the cookie to contain information to identify the consumer user, wherein the client passes the service cookie to the payment service in response to a prompt from the merchant server, wherein the payment server is to identify the consumer user via the service cookie.

12. The system of claim 10, wherein the payment service server is to authenticate the electronic storefront.

13. The system of claim 12, wherein the payment service server is to compare a merchant identifier (ID) with user profile information to authenticate the storefront.

14. The system of claim 13, wherein the merchant ID is provided to the payment service via a uniform resource locator (URL).

15. The system of claim 10, wherein the payment server provides an application program interface (API) to the electronic storefront.

16. The system of claim 10, wherein the merchant server is to serve a web-based check-out interface to the client that does not offer the payment service to the consumer user.

17. The system of claim 10, wherein the payment server determines whether to offer the payment service to the consumer user is performed transparent to the consumer user.

18. The system of claim 10, wherein the payment server is to embed a return URL within a URL used to redirect the browser to the payment server, wherein the return URL is utilized to redirect the browser to the web-based checkout interface.

19. A machine readable medium to provide instructions which, when executed, cause operations to be performed, the operations including:

receiving a check-out request from a consumer user of an electronic storefront to purchase one or more products from the electronic storefront;

determining whether to offer a payment service to the consumer user based on whether the consumer user is authorized to use the payment service to make purchases from the electronic storefront; and

serving a web-based check-out interface to a client used by the consumer user, the check-out interface including the offer to the consumer user to use the payment service, and the offer including an option to enable the consumer user to make payment for the one or more products via the payment service.

20. A system to offer a payment service to a consumer user, the system comprising:

a first means for hosting the electronic storefront, the electronic storefront to receive a check-out request from the consumer user, the check-out request to purchase of one or more products from the electronic storefront;

a payment service server to host a payment service, the payment service to determine whether to offer the payment service to the consumer user, the payment service to identify whether the consumer user is authorized to use the payment service to make purchases from the electronic storefront, the merchant server to serve a web-based check-out interface to a client used by the consumer user, the check-out interface including the offer to the consumer user to use the payment service, and the offer including an option to enable the consumer user to make payment for the one or more products via the payment service.