# US 2013/0159170 A1 · System and method for facilitating electronic financial transactions during a phone call

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- Number: US 2013/0159170 A1
- Document ID: US20130159170A1
- Status: Published application
- Kind: A1
- Application number: 13/330,374
- Filed: 2011-12-19
- Published: 2013-06-20
- Earliest claimed: 2011-12-19
- Assignees: eBay Inc.
- Inventors: Saumil Ashvin Gandhi; Ray Hideki Tanaka
- Web page: https://patentgrep.com/patent/US20130159170A1

## CPC

- G06Q 20/326: {Payment applications installed on the mobile devices}
- G06Q 20/3267: {In-app payments}
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

A payment button on a device capable of making telephone calls, such as a mobile phone, allows a payer to electronically transfer money while in a phone call with a payee. The payment button also allows a payee to initiate an electronic payment transaction while in a phone call with a payer. The payment button may be a clickable or tappable virtual button presented on a display of the phone when being used to make or receive a call. The payer or the payee can simply enter a payment amount on the phone to complete an electronic payment transaction. A notification of payment is instantly transmitted to the phones being used for the phone call, so that the parties can safely and conveniently conclude a purchase and/or payment transaction during one phone call.

## Claims

### Claim 1

A method for facilitating electronic transactions, comprising:
receiving, by a processor of a payment service provider, a request for a payment from a first user, wherein the request is initiated in response to a command received on a device of the first user during a phone call with a second user;
determining, by the processor, an identifier of the first user, an identifier of the second user, and an amount of the payment;
processing the request based at least in part on the first identifier, the second identifier, and the amount of the payment; and
transmitting a notification to the first user and/or the second user when the processing of the request is completed.

### Claim 2 (depends on 1)

The method of claim 1, wherein the first user is a payer and the request is for the payment to be sent to the second user.

### Claim 3 (depends on 1)

The method of claim 1, wherein the first user is a payee and the request is for the payment to be sent from the second user.

### Claim 4 (depends on 3)

The method of claim 3, wherein the request is forwarded to a device of the second user.

### Claim 5 (depends on 1)

The method of claim 1, wherein the command comprises tapping, clicking, or selecting a button on the device of the first user.

### Claim 6 (depends on 1)

The method of claim 1, wherein the notification is transmitted using at least one of an email, a Short Message Service (“SMS”) text, an in-band signal, or an automated voice alert.

### Claim 7 (depends on 1)

The method of claim 1, wherein the first identifier and the second identifier comprise an email address or a phone number.

### Claim at position 8

8-20. (canceled)

### Claim 21

A non-transitory computer readable medium comprising a plurality of machine-readable instructions which, when executed by one or more processors of a server of a service provider, are adapted to cause the server to perform a method comprising:
receiving a request for a payment from a first user, wherein the request is initiated in response to a command received on a device of the first user during a phone call with a second user;
determining an identifier of the first user, an identifier of the second user, and an amount of the payment;
processing the request based at least in part on the first identifier, the second identifier, and the amount of the payment; and
transmitting a notification to the first user and/or the second user when the processing of the request is completed.

### Claim 22 (depends on 21)

The non-transitory computer readable medium of claim 21, wherein the first user is a payer and the request is for the payment to be sent to the second user.

### Claim 23 (depends on 21)

The non-transitory computer readable medium of claim 21, wherein the first user is a payee and the request is for the payment to be sent from the second user.

### Claim 24 (depends on 23)

The non-transitory computer readable medium of claim 23, wherein the request is forwarded to a device of the second user.

### Claim 25 (depends on 21)

The non-transitory computer readable medium of claim 21, wherein the command comprises tapping, clicking, or selecting a button on the device of the first user.

### Claim 26 (depends on 21)

The non-transitory computer readable medium of claim 21, wherein the notification is transmitted using at least one of an email, a Short Message Service (“SMS”) text, an in-band signal, or an automated voice alert.

### Claim 27 (depends on 21)

The non-transitory computer readable medium of claim 21, wherein the first identifier and the second identifier comprise an email address or a phone number.

### Claim 28

A system comprising:
one or more hardware processors in communication with a non-transitory memory configured for:
receiving a request for a payment from a first user, wherein the request is initiated in response to a command received on a device of the first user during a phone call with a second user;
determining an identifier of the first user, an identifier of the second user, and an amount of the payment;
processing the request based at least in part on the first identifier, the second identifier, and the amount of the payment; and
transmitting a notification to the first user and/or the second user when the processing of the request is completed.

### Claim 29 (depends on 28)

The system of claim 28, wherein the first user is a payer and the request is for the payment to be sent to the second user.

### Claim 30 (depends on 28)

The system of claim 28, wherein the first user is a payee and the request is for the payment to be sent from the second user.

### Claim 31 (depends on 30)

The system of claim 30, wherein the request is forwarded to a device of the second user.

### Claim 32 (depends on 28)

The system of claim 28, wherein the command comprises tapping, clicking, or selecting a button on the device of the first user.

### Claim 33 (depends on 28)

The system of claim 28, wherein the notification is transmitted using at least one of an email, a Short Message Service (“SMS”) text, an in-band signal, or an automated voice alert.

### Claim 34 (depends on 28)

The system of claim 28, wherein the first identifier and the second identifier comprise an email address or a phone number.