Person-to-person payments: contextual spending
AssigneeeBay Inc.
InventorCharles Dale Fletcher
Life of this patent
Estimating the term…
Abstract
Receiving at a payment system a request associated with a first party to make a payment to a second party. Recommendations for utilizing the payment are evaluated based on a profile of the second party. The payment and a recommendation for utilization of the payment are sent to the second party. The recommendation that is sent is based on a profile of the second party and may include shopping at a physical store, shopping at an online store, ordering from a catalog, saving in an account, ordering a credit card, ordering a debit card. A transaction fee associated with the payment, and a portion of the fee to be paid by each party is calculated.
Claims22
A computerized method comprising:
- receiving, at a payment system, a request associated with a first party to make a payment to a second party;
- evaluating, by one or more recommendation applications executed by at least one computer processor, recommendations for utilizing the payment, the recommendations based on a spending behavior of the second party, the spending behavior of the second party including at least one of a group of behaviors consisting of heavy shopping, preferring a certain shop, preferring a group of shops, preferring a method of payment, having applied for certain credit cards, and not having applied for certain credit cards;
- and
- from the payment system, sending the payment and a recommendation for utilization of the payment to the second party.
The computerized method of claim I, wherein the sending of the utilization recommendation to the second party includes sending a recommendation based on a profile of the second party.
A system comprising:
- one or more computer processors configured to:
- use a communication module at a payment system to receive a request from a first party for making a payment to a second party;
- use one or more recommendation applications to evaluate recommendations, the recommendations based on the spending behavior of the second party, the spending behavior including at least one of the group consisting of being a heavy shopper, preferring a certain shop or a group of shops, preferring a method of payment, having applied for certain credit cards, and not having applied for certain credit cards;
- use a transaction module to send the payment to the second party;
- use at least one of the one or more recommendation applications to generate a recommendation for utilization of the payment from the evaluated recommendations;
- and
- use the communication module to communicate the recommendation to the second party.
A machine-readable storage device comprising instructions, which when implemented by one or more computer processors perform the following operations:
- receiving a request associated with a first party to make a payment to a second party;
- evaluating recommendations for utilizing the payment, the recommendations based on the spending behavior of the second party, the spending behavior including at least one of the group consisting of being a heavy shopper, preferring a certain shop or a group of shops, preferring a method of payment, having applied for certain credit cards, and not having applied for certain credit cards;
- and
- sending the payment and a recommendation for utilization of the payment to the second party.
Dependencies are inferred from the claim text.