US 10,832,235 B2Granted

Image based MMS transactions mechanism

AssigneePaypal, Inc.

InventorEduardo Alfonso Batlle

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Abstract

Embodiments relate to transactions using image based MMS solutions over a communication device. In an embodiment, a method includes receiving, by a payment provider server, from a buyer device, transaction information associated with a transaction between a buyer and a seller; wherein the seller provides a seller payment provider messaging endpoint identifier to the buyer along with the transaction information for use in processing the transaction. The method also includes transmitting, by the payment provider server, to the buyer device, message content comprising an image displayed on a user interface of the buyer device, the image comprising payment instrument information for use in connection with the transaction, wherein the buyer communicates information included in the message content to the seller payment provider messaging endpoint identifier. And the method includes processing, by the payment provider server, the transaction based on information included in the message content and the transaction information.

Claims20

Dependent claims

A system comprising:

a non-transitory memory storing payment provider account information associated with a buyer comprising:
registration information for a buyer device in connection with conducting transactions via a payment provider server using multimedia messaging services (MMS);
and
payment provider account information associated with a seller comprising registration information for a seller device in connection with conducting transactions via the payment provider server using MMS, wherein the payment provider account information associated with the buyer further comprises a buyer payment provider MMS identifier, wherein the payment provider account information further comprises a seller payment provider MMS endpoint identifier for use in processing MMS transactions, and wherein at least one of the buyer device or the seller device further comprises a device without capabilities for running applications;
and
an image based MMS transaction module implemented by at least one hardware processor in communication with the non-transitory memory, the hardware processor(s) configured to:
receive, by the payment provider server, from the buyer device, transaction information associated with an MMS transaction between the buyer and the seller, wherein the seller provides the seller payment provider MMS endpoint identifier to the buyer along with the transaction information;
generate, by the payment provider server, payment instrument information for processing a payment associated with the transaction information, wherein the payment instrument information comprises a displayable code for a limited use account identifier for the payment;
generate, by the payment provider server, an image of the payment instrument information displayable on the buyer device;
transmit, by the payment provider server, an MMS message to the buyer device causing the image to be displayed on at least a portion of a user interface of the buyer device, the image comprising the payment instrument information for use in connection with the MMS transaction, wherein at least a portion of content in the MMS message is configured to enable the buyer to communicate the at least a portion of the content to the image based MMS transaction module using the seller payment provider MMS endpoint identifier;
and
process, by the payment provider server, the MMS transaction based at least in part on the image and the transaction information.

9 more elements

A method comprising:

receiving, by a payment provider server, from a buyer device, transaction information associated with a transaction between a buyer and a seller based on a seller payment provider messaging endpoint identifier associated with the transaction for a seller device of the seller, wherein at least one of the buyer device or the seller device process the transaction without utilizing a mobile application associated with the payment provider server;
generating, by the payment provider server, payment instrument information for processing a payment associated with the transaction information, wherein the payment instrument information comprises a displayable code for a limited use account identifier for the payment;
generating, by the payment provider server, an image of the payment instrument information displayable on the buyer device;
transmitting, by the payment provider server, to the buyer device, message content causing the image to be displayed on at least a portion of a user interface of the buyer device, the image comprising the payment instrument information for use in connection with the transaction, wherein the buyer communicates at least a portion of information included in the message content to the payment provider server using the seller payment provider messaging endpoint identifier;
and
processing, by the payment provider server, the transaction based at least in part on the at least a portion of information included in the message content and the transaction information.

3 more elements

A non-transitory computer-readable medium comprising executable modules which, in response to execution by a computer system, cause the computer system to perform a method comprising:

receiving, by a payment provider server, from a buyer device, transaction information associated with a transaction between a buyer and a seller, based on a seller payment provider messaging endpoint identifier associated with the transaction for a seller device of the seller, wherein at least one of the buyer device or the seller device utilize an image messaging service in place of a transaction processing application for processing the transaction with the payment provider server;
generating, by the payment provider server, payment instrument information for processing a payment associated with the transaction information, wherein the payment instrument information comprises a displayable code for a limited use account identifier for the payment;
generating, by the payment provider server, an image of the payment instrument information displayable on the buyer device;
transmitting, by the payment provider server, to the buyer device, message content causing the image to be displayed on at least a portion of a user interface of the buyer device, the image comprising the payment instrument information for use in connection with the transaction, wherein the buyer communicates at least a portion of information in the message content to the payment provider server using the seller payment provider messaging endpoint identifier;
and
processing, by the payment provider server, the transaction based at least in part on the at least a portion of information in the message content and the transaction information.

3 more elements

Dependencies are inferred from the claim text.