Systems and methods for facilitating financial transactions over a network

Patent metadata

Field	Value
Publication number	US-10776857-B2
Application number	US-201715854729-A
Country	US
Kind code	B2
Filing date	Dec 26, 2017
Priority date	Dec 28, 2007
Publication date	Sep 15, 2020
Grant date	Sep 15, 2020

Abstract

Systems and methods for facilitating financial transactions over a network include a merchant device, a client device and a payment processing device. The merchant device is adapted to allow a merchant to provide items for purchase via the network. The client device is adapted to allow a user to access the merchant device via the network and view the items for purchase. The client device is adapted to provide a payment mechanism to the user. The user generates a purchase request for an item by selecting the one item, dragging the item to the payment mechanism, and dropping the item over the payment mechanism. The payment processing device is adapted to receive the purchase request from the client device via the network and authorize the user to purchase the item from the merchant based on information passed with the purchase request.

First claim

What is claimed is:

1. A system comprising:
a non-transitory memory of a server device storing user financial information for a payment provider; and
one or more hardware processors of the server device coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
providing, to a client device, a service application for running on the client device, the service application, when run, stores user information, stores payment provider information associated with a first icon, stores merchant information and product information that specifies a merchant and one or more products represented in an invoice icon generated based on user interaction with the service application, causes the first icon to be displayed by the client device, and provides a mechanism for aggregating the merchant information, product information, and the user information into a message based on gesture commands performed by a pointer device of the client device in relation to the first icon;
receiving, from the service application running on the client device, the message that includes the user information, merchant information, and product information based on a gesture command by the pointer device being received by the mechanism of the service application, the gesture command corresponding to a dragging of the invoice icon on a web browser application displayed on the client device to the first icon, and a dropping of the invoice icon onto the first icon; and
initiating a transaction to purchase a product corresponding to the product information by a user corresponding to the user information from a merchant corresponding to the merchant information, wherein the initiating the transaction is performed based on the message, and wherein the merchant does not receive private payment account information for the transaction for the user corresponding to the user information.

2. The system of claim 1 , wherein the first icon is displayed on one of a desktop, a tool bar, or within the web browser application on a display of the client device.

3. The system of claim 1 , wherein the operations further comprise:
detecting that the user is logged into the payment provider; and
requesting a verification of user identification from the user.

4. The system of claim 1 , wherein the operations further comprise:
detecting that no user is logged into the payment provider;
providing a log in window for display on the client device to receive log in information from the user; and
confirming the log in information received from the user.

5. The system of claim 1 , wherein the invoice icon is a graphical representation of a single product, and wherein the product information identifies the single product.

6. The system of claim 1 , wherein the invoice icon is a graphical representation of a shopping cart comprising a set of products, and wherein the product information identifies the set of products in the shopping cart.

7. The system of claim 1 , wherein the operations further comprise:
authenticating the user of the client device on which the service application is run; and
providing, in response to the authenticating the user, funding for the transaction to the merchant on behalf of the user.

8. The system of claim 7 , wherein the operations further comprise providing, in response to the authenticating the user, a portion of the user information that does not include the private payment account information to the merchant, the portion of the user information usable by the merchant to complete the transaction.

9. A method comprising:
providing, to a client device, a service application for running on the client device, the service application, when run, stores user information, stores payment provider information associated with a first icon, stores merchant information and product information that specifies a merchant and one or more products represented in an invoice icon generated based on user interaction with the service application, causes the first icon to be displayed by the client device, and provides a mechanism for aggregating the merchant information, product information, and the user information into a message based on gesture commands performed by a pointer device of the client device in relation to the first icon;
receiving, from the service application running on the client device, the message that includes the user information, merchant information, and product information based on a gesture command corresponding to a dragging of the invoice icon on a web browser application displayed on the client device to the first icon, and a dropping of the invoice icon onto the first icon to initiate a transaction to purchase one or more products corresponding to the invoice icon;
authenticating the user of the client device on which the service application is run; and
providing, in response to the authenticating the user, funding for the transaction to the merchant on behalf of the user, wherein the providing and the authenticating are performed based on the message, and wherein the merchant does not receive private payment account information for the transaction for the user corresponding to the user information.

10. The method of claim 9 , wherein the invoice icon is associated with at least a user, a merchant, and the one or more products.

11. The method of claim 9 , wherein the first icon is displayed on one of a desktop, a tool bar, or within the web browser application on a display of the client device.

12. The method of claim 9 , further comprising:
requesting, when the user is detected as logged into a payment provider corresponding to the payment provider information, a verification of user identification from the user; and
providing, when no user is detected as logged into the payment provider, a log in window for display on the client device to receive log in information from the user.

13. The method of claim 12 , further comprising:
authenticating the user of the client device on which the service application is run; and providing, in response to the authenticating the user, funding for the transaction to the merchant on behalf of the user.

14. The method of claim 10 , wherein the invoice icon is a graphical representation of a single product, and wherein the product information identifies the single product.

15. The method of claim 10 , wherein the invoice icon is a graphical representation of a shopping cart comprising a set of products, and wherein the product information identifies the set of products in the shopping cart.

16. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
providing, to a client device, a service application for running on the client device, the service application, when run, stores user information, stores payment provider information associated with a first icon, stores merchant information and product information that specifies a merchant and one or more products represented in an invoice icon generated based on user interaction with the service application, causes the first icon to be displayed by the client device, and provides a mechanism for aggregating the merchant information, product information, and the user information into a message based on gesture commands performed by a pointer device of the client device in relation to the first icon;
receiving, from the service application running on the client device, the message that includes the user information, merchant information,

Assignees

• Paypal Inc

Inventors

• Mengerink Matthew
• Mardikar Upendra
• Gausebeck David

Classifications

• G06Q40/00

  Finance; Insurance; Tax strategies; Processing of corporate or income taxes · CPC title

• G06Q30/0603

  Catalogue creation or management · CPC title

• G06Q30/0601

  Electronic shopping [e-shopping] · CPC title

• G06Q30/0633

  Managing shopping lists, e.g. compiling or processing purchase lists (shipping orders G06Q10/083; order filling G06Q10/087) · CPC title

• G06Q30/0635 Primary

  replenishment orders; recurring orders · CPC title