Transaction conversion with payment card
AssigneeeBay Inc.
InventorVijayakumar Balusamy
Life of this patent
Estimating the term…
Abstract
Methods and systems for facilitating payment are described. A user presents a payment card (e.g., credit or bank card) during checkout, and payment card details are transmitted to a service provider. The service provider receives the details and determines that the payment card is linked to an account with the service provider. The service provider identifies the user account linked to the payment card and processes the transaction using the funding sources available in the user account. The funding sources used may include the payment card or may be different.
Claims20
A system, comprising:
- a memory device storing user account information;
- and
- one or more processors in communication with the memory device and operable to:
- receive a payment request and payment card information from a payment card, wherein the payment card is not issued by a service provider;
- identify a user account with the service provider based on the payment card information;
- and
- process the payment request using at least one funding source linked to the user account.
A method for facilitating payment, comprising:
- receiving, by one or more hardware processors of a service provider, a payment request and payment card information from a payment card, wherein the payment card is not issued by a service provider;
- identifying, by the one or more hardware processors, a user account with the service provider based on the payment card information;
- and
- processing, by the one or more hardware processors, the payment request using at least one funding source linked to the user account.
A non-transitory machine-readable medium comprising instructions which, in response to a computer system, cause the computer system to perform a method comprising:
- receiving a payment request and payment card information from a payment card, wherein the payment card is not issued by a service provider;
- identifying a user account with the service provider based on the payment card information;
- and
- processing the payment request using at least one funding source linked to the user account.
Dependencies are inferred from the claim text.