Method and apparatus for authorizing a payment via a remote device

Patent metadata

Field	Value
Publication number	US-10275760-B2
Application number	US-201514874349-A
Country	US
Kind code	B2
Filing date	Oct 2, 2015
Priority date	Oct 27, 2008
Publication date	Apr 30, 2019
Grant date	Apr 30, 2019

Abstract

A method of and system for authorizing a transaction remotely is disclosed. A customer uses a computer to browse for a product displayed on the Internet. The customer may enter a unique number into the computer. The unique number is authorized and an authorization code is sent to the customer's communication device. The customer enters the authorization code into the computer to complete the transaction.

First claim

What is claimed is:

1. A device comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the device to perform operations comprising:
transmitting, to a server, a purchase transaction request for performing a purchase transaction associated with an item;
causing an identification number field to be displayed on the device;
in response to a user entering an identification number uniquely associated with the user into the identification number field, transmitting, to the server, the identification number;
receiving, over a cellular phone network, a text message comprising an authorization code transmitted from the server based on the device being uniquely associated with the identification number;
causing an authorization code field to be displayed on the device;
in response to the user entering the authorization code into the authorization code field, transmitting, to the server, a payment request related to the purchase transaction, wherein the payment request comprises the authorization code;
displaying a listing of a plurality of payment options comprising cellular phone carrier billing and one or more funding sources linked to the identification number; and
in response to receiving a selection of a particular payment option from the plurality of payment options, transmitting the particular payment option to the server to cause the server to process the purchase transaction using the particular payment option.

2. The device of claim 1 , wherein the purchase transaction request is associated with purchasing the item from a proprietary web site.

3. The device of claim 2 , wherein the identification number field is displayed on the proprietary web site.

4. The device of claim 1 , wherein the identification number comprises a cellular phone number of the user.

5. The device of claim 1 , wherein the operations further comprise offering the user an incentive in exchange for the user linking the one or more funding sources other than a cellular phone carrier of the user with the identification number.

6. The device of claim 5 , wherein the incentive comprises incentive points that can be used to make a payment.

7. A method comprising:
receiving, by one or more hardware processors from a remote device, a purchase transaction request for performing a purchase transaction associated with an item;
receiving, by the one or more hardware processors from the remote device, an identification number uniquely associated with a user and entered into an identification number field displayed on the remote device;
in response to determining that the user is authorized to perform the purchase transaction, transmitting, by the one or more hardware processors over a cellular phone network, a text message comprising an authorization code to a mobile device of the user uniquely associated with the identification number;
receiving, by the one or more hardware processors from the remote device, a payment request for a payment related to the purchase transaction, wherein the payment request comprises the authorization code entered into an authorization code field displayed on the remote device;
in response to verifying the authorization code, displaying, by the one or more hardware processors on the remote device, a listing of a plurality of payment options comprising cellular phone carrier billing and one or more funding sources linked to the identification number;
in response to receiving a selection of a particular payment option from the remote device, processing, by the one or more hardware processors, the purchase transaction using the particular payment option.

8. The method of claim 7 , wherein purchase transaction is associated with purchasing the item from a proprietary web site.

9. The method of claim 8 , wherein the identification number field is displayed on the proprietary web site.

10. The method of claim 7 , wherein the identification number comprises a cellular phone number of the user.

11. The method of claim 7 , wherein the remote device and the mobile device are one and the same.

12. The method of claim 7 , further comprising offering the user an incentive in exchange for the user linking the one or more funding sources other than a cellular phone carrier of the user with the identification number.

13. The method of claim 12 , wherein the incentive comprises incentive points that can be used to make a payment.

14. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
receiving, from a remote device, a purchase transaction request for performing a purchase transaction associated with an item;
receiving, from the remote device, an identification number uniquely associated with a user and entered into an identification number field displayed on the remote device;
in response to determining that the user is authorized to perform the purchase transaction, transmitting, over a cellular phone network to a mobile device of the user, a text message comprising an authorization code uniquely associated with the identification number;
receiving, from the remote device, a payment request for a payment related to the purchase transaction, wherein the payment request comprises the authorization code entered into an authorization code field displayed on the remote device;
in response to verifying the authorization code, displaying, on the remote device, a listing of a plurality of payment options comprising cellular phone carrier billing and one or more funding sources linked to the identification number; and
in response to receiving a selection of a particular payment option from the remote device, processing the purchase transaction using the particular payment option.

15. The non-transitory machine-readable medium of claim 14 , wherein the purchase transaction is associated with purchasing the item from a proprietary web site.

16. The non-transitory machine-readable medium of claim 15 , wherein the identification number field is displayed on the proprietary web site.

17. The non-transitory machine-readable medium of claim 14 , wherein the identification number comprises a cellular phone number of the user.

18. The non-transitory machine-readable medium of claim 14 , wherein the remote device and the mobile device are one and the same.

19. The non-transitory machine-readable medium of claim 14 , wherein the operations further comprise offering the user an incentive in exchange for the user linking the one or more funding sources other than a cellular phone carrier of the user with the identification number.

20. The non-transitory machine-readable medium of claim 19 , wherein the incentive comprises incentive points that can be used to make a payment.

Assignees

• Paypal Inc

Inventors

• Marcus David A

Classifications

• G06Q30/04

  Billing or invoicing · CPC title

• G06Q30/0222

  During e-commerce, i.e. online transactions · CPC title

• G06Q20/40

  Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists · CPC title

• G06Q20/12

  specially adapted for electronic shopping systems · CPC title

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title