Method, system and server system of payment based on a conversation group

Patent metadata

Field	Value
Publication number	US-10970692-B2
Application number	US-201916258323-A
Country	US
Kind code	B2
Filing date	Jan 25, 2019
Priority date	Nov 6, 2013
Publication date	Apr 6, 2021
Grant date	Apr 6, 2021

Abstract

A method and device of requesting and receiving payment in a group chat environment are disclosed. The method includes: displaying a conversation interface of a group chat session for a pre-established conversation group, the pre-established conversation group including a user of the user device and a plurality of other users participating in the pre-established conversation group; providing, in the conversation interface of the group chat session, a control for requesting payment from the pre-established conversation group; detecting an input from the user invoking the control for requesting payment from the pre-established conversation group; and in response to detecting the input from the user, posting a group payment request as a chat message to the group chat session.

First claim

What is claimed is:

1. A method of performing a payment transaction in a group chat environment, comprising:
at a user device having one or more processors and memory for storing one or more programs to be executed by the one or more processors:
displaying a conversation interface of a group chat session for a pre-established conversation group, the pre-established conversation group including a user of the user device and a plurality of other users participating in the pre-established conversation group;
providing, in the conversation interface of the group chat session, a control for requesting payment from the pre-established conversation group;
detecting an input from the user invoking the control for requesting payment from the pre-established conversation group;
in response to detecting the input from the user:
posting a group payment request as a chat message in the group chat session to one or more designated payers in the pre-established conversation group,
wherein the one or more designated payers for the group payment request are determined in accordance with a predetermined payment scheme associated with the pre-established conversation group, wherein the predetermined payment scheme specifies one or more criteria for dynamically selecting a subset of users from the pre-established conversation group as the one or more designated payers for the group payment request, and wherein the group payment request is only visible and accessible to the one or more designated payers; and

receiving a plurality of payment responses as chat messages in the group chat session from the determined designated payers, each payment response including an indication of accepting or rejecting the group payment request;
in accordance with a determination that a first number of the determined designated payers have accepted the group payment request, obtaining a first distribution of payments among the first number of the determined designated payers according to the predetermined payment scheme; and
sending the first distribution of payments to a server, wherein the server transfers the payments from the first number of the determined designated payers to the user of the user device.

2. The method of claim 1 , wherein posting the group payment request as a chat message to the pre-established conversation group comprises:
sending the group payment request to the server of the group chat session, wherein the group payment request including a group identifier for the pre-established conversation group, and wherein the server of the group chat session determines individual recipients of the group payment request based on the group identifier.

3. The method of claim 1 , wherein the predetermined payment scheme specifies a payment order and a payment history record associated with each member of the pre-established conversation group.

4. The method of claim 3 , wherein the predetermined payment scheme specifies a respective payment proportion for each member of the pre-established conversation group.

5. The method of claim 1 , wherein the one or more criteria for dynamically selecting a subset of users from the pre-established conversation group as the designated payers for the group payment request further comprises a payer selection priority based on how fast a member of the pre-established conversation group has accepted the group payment request.

6. The method of claim 1 , wherein the one or more criteria for dynamically selecting a subset of users from the pre-established conversation group as individual payers for the group payment request further comprises a payer selection priority based on how slowly a member of the pre-established conversation group has rejected the group payment request.

7. The method of claim 1 , further comprising:
in response to posting a group payment request as a chat message to the group chat session, receiving a plurality of payment responses from the plurality of other users participating in the pre-established conversation group.

8. A user device of performing a payment transaction in a group chat environment, comprising:
one or more processors;
memory storing one or more program modules configured for execution by the one or more processors, the one or more program modules including instructions for:
displaying a conversation interface of a group chat session for a pre-established conversation group, the pre-established conversation group including a user of the user device and a plurality of other users participating in the pre-established conversation group;
providing, in the conversation interface of the group chat session, a control for requesting payment from the pre-established conversation group;
detecting an input from the user invoking the control for requesting payment from the pre-established conversation group;
in response to detecting the input from the user:
posting a group payment request as a chat message in the group chat session to one or more designated payers in the pre-established conversation group,

wherein the one or more designated payers for the group payment request are determined in accordance with a predetermined payment scheme associated with the pre-established conversation group, wherein the predetermined payment scheme specifies one or more criteria for dynamically selecting a subset of users from the pre-established conversation group as the one or more designated payers for the group payment request, and wherein the group payment request is only visible and accessible to the one or more designated payers; and
receiving a plurality of payment responses as chat messages in the group chat session from the determined designated payers, each payment response including an indication of accepting or rejecting the group payment request;
in accordance with a determination that a first number of the determined designated payers have accepted the group payment request, obtaining a first distribution of payments among the first number of the determined designated payers according to the predetermined payment scheme; and
sending the first distribution of payments to a server, wherein the server transfers the payments from the first number of the determined designated payers to the user of the user device.

9. The device of claim 8 , wherein posting the group payment request as a chat message to the pre-established conversation group comprises:
sending the group payment request to the server of the group chat session, wherein the group payment request including a group identifier for the pre-established conversation group, and wherein the server of the group chat session determines individual recipients of the group payment request based on the group identifier.

10. The device of claim 8 , wherein the predetermined payment scheme specifies a payment order and a payment history record associated with each member of the pre-established conversation group.

11. The device of claim 10 , wherein the predetermined payment scheme specifies a respective payment proportion for each member of the pre-established conversation group.

12. The device of claim 8 , wherein the one or more criteria for dynamically selecting a subset of users from the pre-established conversation group as the designated payers for the group payment request further comprises a payer selection priority based on how fast a member of the pre-established conversation group has accepted the group payment request.

13. The device of claim 8 , wherein the one or more criteria for dynamically selecting a subset of users from the pre-established conversation group as individual payers for the group payment request further comprises a payer se

Assignees

• Tencent Tech Shenzhen Co Ltd

Inventors

• Ye Wa
• Xu Zhenyu
• Zang Jing

Classifications

• G06Q10/40

  Business processes related to social networking or social networking services · CPC title

• G06Q20/10

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06Q10/107

  Computer-aided management of electronic mailing [e-mailing] · CPC title

• G06Q20/16 Primary

  Payments settled via telecommunication systems · CPC title

• G06Q20/223

  based on the use of peer-to-peer networks · CPC title