Payment Recipient Verification
AssigneePaypal, Inc.
InventorSuresh Anamanamuri
Life of this patent
Estimating the term…
Abstract
Methods and systems are provided for sending payments electronically, wherein the user's certainty that the payments are being sent to the correct recipient are substantially enhanced. The user can request information from the recipient to verify the email address or phone number of the recipient. A communication can be sent to the recipient and the communication can request that the recipient send information that verifies the identity of the recipient to the user. For example, the communication can request that the recipient send a picture of the recipient, an audio voice file of the recipient, or a handwriting sample to the user.
Claims21
A system comprising:
- one or more memories storing information about accounts for a plurality of users, the information including verification information that can be used to verify a payment recipient;
- one or more hardware processors in communication with the one or more memories and operable to:
- receive a first communication including a request by a user to verify the payment recipient;
- send a second communication to the payment recipient requesting the payment recipient to send the verification information to the user;
- receive a third communication including an indication that the user has received and verified the verification information;
- and
- transfer the payment from an account of the user to an account of the payment recipient in response to receiving the third communication.
A method comprising:
- storing, in one or more memories, information about an accounts for a plurality of users, the information including verification information that can be used to verify a payment recipient;
- receiving, electronically by one or more hardware processors, a first communication including a request by a user to verify the payment recipient;
- sending, by the one or more processors, a second communication to the payment recipient requesting the payment recipient to send the verification information to the user;
- receiving, by the one or more processors, a third communication including an indication that the user has received and verified the verification information;
- and
- transferring, by the one or more processors, the payment from an account of the user to an account of the payment recipient in response to receiving the third communication.
A computer program product comprising a non-transitory computer readable medium having computer readable and executable code for instructing one or more processors to perform a method, the method comprising:
- storing information about an account for a plurality of users, the information including verification information that can be used to verify a payment recipient;
- receiving a first communication including a request by a user to verify the payment recipient;
- sending a second communication to the payment recipient requesting the payment recipient to send the verification information to the user;
- receiving a third communication including an indication that the user has received and verified the verification information;
- and
- transferring the payment from an account of the user to an account of the payment recipient in response to receiving the third communication.
Dependencies are inferred from the claim text.