Facilitating sending and receiving of remittance payments
AssigneeFacebook, Inc.
InventorsStephen Moore Davis, Pierpaolo Abbatiello, Lauren Beth Tucker
Life of this patent
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Abstract
One or more embodiments described herein include methods and systems for remitting funds via a social networking system. More specifically, systems and methods described herein provide users the ability to remit funds to co-users utilizing social network profiles and notifications. Additionally, systems and methods described herein determine one or more risk levels for a remittance request based on a variety of social network factors.
Claims20
A method comprising:
- receiving a request at a server, from a sender, to electronically remit funds;
- identifying, by the server, a plurality of potential recipients who live in an eligible country for receiving remittances of funds and that are associated with the sender via a social networking system;
- calculating, by the server, a relationship coefficient between the sender and each of the potential recipients of the plurality of potential recipients based on data of the social networking system;
- and
- providing, by the server, a list of two or more potential recipients with a high relationship coefficient.
A system comprising:
- at least one processor;
- and
- at least one non-transitory computer-readable storage medium storing instructions thereon that, when executed by the at least one processor, cause the system to:
- receive a request, from a sender, to electronically remit funds;
- identify a plurality of potential recipients who live in an eligible country for receiving remittances of funds and that are associated with the sender via a social networking system;
- calculate a relationship coefficient between the sender and each of the potential recipients of the plurality of potential recipients based on data of the social networking system;
- and
- provide a list of two or more potential recipients with a high relationship coefficient.
The system as recited in 12, further comprising instructions that, when executed by the at least one processor, cause the system to calculate a relationship coefficient between the sender and a potential recipient by analyzing one or more of:
- one or more of a number, frequency, or length of social network messages between the sender and the potential recipient,
- social network posts by the sender that reference the potential recipient,
- social network posts by the potential recipient that reference the sender,
- posted social network media that includes or references both the sender and the potential recipient,
- a number of social network friends common between the sender and the potential recipient, and
- analyzing location check-ins indicating the sender and the potential recipient were in the same geographical area at the same time.
The system as recited in 13, further comprising instructions that, when executed by the at least one processor, cause the system to:
- calculate a risk level for each the potential recipients;
- and
- if the risk level for a potential recipient is above a predetermined threshold, excluding the potential recipient from the list.
A method comprising:
- providing a messaging graphical user interface including a communication thread comprising a plurality of electronic messages exchanged between a user and a co-user;
- identifying, by at least one processor, a selection of an option in the messaging graphical user interface to electronically remit funds from the user to the co-user;
- identifying an amount of money that the user desires to send to the co-user;
- identifying, by at least one processor, a country for the co-user based on profile information maintained for the co-user;
- calculating an adjusted amount of money to send to the co-user in a currency of the identified country for the co-user using an exchange rate;
- and
- initiating a remittance including the adjusted amount of money to the co-user.
Dependencies are inferred from the claim text.