PAYMENT IN A CHAT SESSION

• US 20140052633A1
• Filed: 08/15/2012
• Published: 02/20/2014
• Est. Priority Date: 08/15/2012
• Status: Abandoned Application

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: Gandhi, Saumil Ashvin
• Application Number:
  US13/586,052
• Publication Number:
  US 20140052633A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: H04L 51/046 Interoperability with other network applications or services

Abstract

Methods and systems for facilitating payments in a chat session are described. The methods include receiving instructions from a first user to configure a chat session to accept actionable text regarding payment, receiving the actionable text in a message entered by the first user to a second user, determining an action for the first user based on the actionable text, transmitting a request for the action to a second user, receiving approval of the request from the second user, and processing the payment.

Claims

1. A system, comprising:

a memory device storing user account information, wherein the user account information comprises financial information for a first and second user account; and

one or more hardware processors operable to;

receive instructions from the first user to configure a chat session to accept actionable text regarding payment;

receive the actionable text in a message entered by the first user to the second user;

determine an action for the first user based on the actionable text;

transmit a request for the action to the second user;

receive approval of the request from the second user; and

process the payment.

2. The system of claim 1, wherein the actionable text comprises emoticons, a string of letters, symbols, and/or numbers, or a combination thereof.

3. The system of claim 1, wherein the actionable text is quantified to correlate to a certain payment amount.

4. The system of claim 1, wherein the one or more processors is further operable to transfer funds to or from the second user account.

5. The system of claim 4, wherein the one or more processors is further operable to notify the first user, second user, or both after the payment is processed.

6. The system of claim 1, wherein the one or more processors is further operable to convert currency in the actionable text from the first user to another currency in the request to the second user.

7. The system of claim 6, wherein the one or more processors converts the currency based on a location of a user device.

8. The system of claim 1, wherein the one or more processors is further operable to receive a second message from the first user with actionable text for a second payment amount different from a first payment amount.

9. The system of claim 1, wherein the one ore more processors is further operable to transmit and process a second request regarding payment to the second user.

10. A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors of a server are adapted to cause the server to perform a method comprising:

receiving instructions from a first user to configure a chat session to accept actionable text regarding payment;

receiving the actionable text in a message entered by the first user to a second user;

determining an action for the first user based on the actionable text;

transmitting a request for the action to the second user;

receiving approval of the request from the second user; and

processing the payment.

11. The non-transitory machine-readable medium of claim 10, wherein the actionable text comprises emoticons, a string of letters, symbols, and/or numbers, or a combination thereof.

12. The non-transitory machine-readable medium of claim 10, wherein the actionable text is quantified to correlate to a certain payment amount.

13. The non-transitory machine-readable medium of claim 10, wherein processing the payment comprises transferring funds to or from an account of the second user.

14. The non-transitory machine-readable medium of claim 10, further comprising notifying the first user, second user, or both after the payment is processed.

15. A method of facilitating payments in a chat session comprising:

receiving, electronically by a hardware processor of a service provider, instructions from a first user to configure the chat session to accept actionable text regarding payment;

receiving the actionable text in a message entered by the first user to the second user;

determining an action for the first user based on the actionable text;

transmitting a request for the action to the second user;

receiving approval of the request from the second user; and

processing the payment.

16. The method of claim 15, wherein the actionable text comprises emoticons, a string of letter, symbols, and/or numbers, or a combination thereof.

17. The method of claim 15, wherein the actionable text is quantified to correlate to a certain payment amount.

18. The method of claim 15, wherein processing the payment comprises transferring funds to or from an account of the second user.

19. The method of claim 15, further comprising converting currency in the actionable text from the first user to another currency in the request to the second user.

20. The method of claim 19, wherein the currency is converted based on a location of a user device.