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US 11,455,603 B2Granted
Payment via financial service provider using network-based device
AssigneePaypal, Inc.
InventorsMark Harrison, Hugo Olliphant
Life of this patent
Estimating the term…
Abstract
A system includes an interface to receive a request associated with a third party at a financial service provider from a network-based device associated with a user. The request includes an identifier that identifies an offer. The system further includes a revenue share application configured to determine whether the transaction involves a plurality of third parties and to determine a payment share for each party of the plurality of third parties based on the transaction involving the plurality of third parties. A payment transfer module transfers the payment share from an account of the user to each account associated with each party of the plurality of third parties.
Claims20
A system, comprising:
- at least one processor;
- a non-transitory, computer-readable medium having instructions stored thereon that are executable by the at least one processor to cause the system to perform operations comprising:
- receiving, from a network-based device that is associated with a user, a request corresponding to a transaction, wherein the request includes an identifier derived from a publication associated with a third party, wherein the identifier includes:
- a first portion identifying the third party, and a second portion, different than the first portion, identifying an offer provided by the third party;
- in response to receiving the identifier from the network-based device, automatically processing payment from the user to the third party without any further action by the user, including by:
- using the first portion of the identifier in the request, identifying the third party associated with the transaction;
- using the second portion of the identifier in the request, identifying the offer provided by the third party, including accessing an offer database associated with the identified third party to verify whether the identified offer is valid;
- determining, based on the request, that the user has provided authorization to process payment to the third party based on the offer;
- and
- automatically transferring a payment amount from an account of the user to an account associated with the third party;
- and
- providing, to a computer system associated with the third party, a notification of the payment from the user, wherein the notification includes the identifier derived from the publication associated with the third party.
9 more elements
A method, comprising:
- receiving, at a server from a network-based device that is associated with a user, a request corresponding to a transaction, wherein the request includes an identifier derived from a publication associated with a third party, wherein the identifier includes:
- a first portion identifying the third party, and a second portion identifying an offer provided by the third party;
- in response to receiving the identifier from the network-based device, automatically processing, by the server, payment from the user to the third party without any further action by the user, including by:
- using the first portion of the identifier in the request, identifying the third party associated with the transaction;
- using the second portion of the identifier in the request, identifying the offer provided by the third party, including accessing an offer database associated with the identified third party to verify whether the identified offer is valid;
- determining, based on the request, that the user has provided authorization to process payment to the third party based on the offer;
- and
- automatically transferring a payment amount from an account of the user to an account associated with the third party;
- and
- providing, by the server to a computer system associated with the third party, a notification of the payment from the user, wherein the notification includes the identifier derived from the publication associated with the third party.
7 more elements
A non-transitory, machine-readable medium having instructions stored thereon that, in response to being executed by one or more processors, cause a system to perform operations comprising:
- receiving, from a network-based device that is associated with a user, a request corresponding to a transaction, wherein the request includes an identifier derived from a publication associated with a third party, wherein the identifier includes:
- a first portion identifying the third party, and a second portion identifying an offer provided by the third party;
- in response to receiving the identifier from the network-based device, automatically processing payment from the user to the third party without any further action by the user, including by:
- using the first portion of the identifier in the request, identifying the third party associated with the transaction;
- using the second portion of the identifier in the request, identifying the offer provided by the third party, including accessing an offer database associated with the identified third party to verify whether the identified offer is valid;
- determining, based on the request, that the user has provided authorization to process payment to the third party based on the offer;
- and
- automatically transferring a payment amount from an account of the user to an account associated with the third party;
- and
- providing, to a computer system associated with the third party, a notification of the payment from the user, wherein the notification includes the identifier derived from the publication associated with the third party.
7 more elements
Dependencies are inferred from the claim text.