Post-paid, single click payments
AssigneeGoogle Inc.
InventorVikas Gupta
Life of this patent
Estimating the term…
Abstract
A deferred payment authorization system that allows users to exercise an instant purchase, deferred payment option for online payment without providing payment information. multiple transaction costs for frequent or recurring purchases can be reduced to a single transaction that can be processed offline at the user's convenience, particularly for small, online purchases made on a frequent or reoccurring basis.
Claims32
A computer-implemented method for authorizing instant purchases without payment information, comprising:
- receiving, by one or more computing devices, a request for instant purchase of an item by a user, wherein the request does not include or require payment information to pay for the item, the item being purchased by the user from a provider;
- determining, by the one or more computing devices, whether the user is approved for instant purchase based on a prior account activity level associated with an account of the user;
- authorizing, by the one or more computing devices, the instant purchase in response to a determination that the user is approved for instant purchase;
- communicating, by the one or more computing devices, the authorization to the provider;
- obtaining, by the one or more computing devices, deferred payment of the instant purchase from the user after the user receives the item from the provider.
A computer program product, comprising:
- a non-transitory computer-executable storage device having computer-readable program instructions embodied thereon that when executed by a computer cause the computer to authorize instant purchases without payment information, the computer-executable program instructions comprising:
- computer-executable program code to receive a request for an instant purchase of an item by a user, wherein the request does not include or require payment information to pay for the item, the item being purchased by the user from a provider;
- computer-executable program code to determine whether to authorize the instant purchased based on a prior account activity level associated with an account of the user;
- computer-executable program code to authorize the instant purchase;
- computer-executable program code to communicate the authorization of the instant purchase to the provider;
- computer-executable program code to update a record of the user to include information regarding the approved purchase;
- computer-executable program code to obtain deferred payment of the instant purchase from the user after the user receives the item from the provider.
The computer program product of 13, wherein obtaining deferred payment of the instant purchase comprises notifying the user of the account balance and requesting payment information after an account balance or time limit is reached.
The computer program product of 13, wherein obtaining deferred payment of the instant purchase comprises requesting authorization from the user to process payment using payment information associated with the user's account after an account balance limit or time limit is reached.
The computer program product of 13, wherein obtaining deferred payment of the instant purchase comprises processing payment using pre-authorized payment information associated with the user's record after an account balance limit or time limit is reached.
A system to authorize instant purchases without payment information, comprising:
- a storage device;
- and
- a processor communicatively coupled to the storage device, wherein the processor executes application code instructions that are stored in the storage device to cause the system to;
- receive a request for instant purchase of an item by a user, wherein the request does not include payment information to pay for the item;
- determine whether to authorize the instant purchase based on a prior account activity level associated with an account of the user;
- communicate an authorization of the instant purchase to a provider of the item;
- notify the user of the approved instant purchase and providing access for the user to content associated with the approved instant purchase;
- and
- obtain deferred payment of the instant purchase from the user after the user receives the item from the provider.
Dependencies are inferred from the claim text.