Facilitating sending and receiving of peer-to-business payments

Patent metadata

Field	Value
Publication number	US-11074570-B2
Application number	US-201816113880-A
Country	US
Kind code	B2
Filing date	Aug 27, 2018
Priority date	Dec 19, 2014
Publication date	Jul 27, 2021
Grant date	Jul 27, 2021

Abstract

The present disclosure relates to systems, methods, and devices for enabling peer to business payments using an integrated payment and messaging system. In particular, the integrated payment and messaging system allows users to send electronic payments as well as exchange messages with a merchant. The integrated payment and messaging system can improve security by allowing a user to make a purchase without having to provide sensitive financial information to the merchant. In addition, the integrated payment and messaging system can allow a user to make a payment for an order seamlessly during a conversation with the merchant.

First claim

What is claimed is:

1. A system comprising:
at least one processor; and
a non-transitory computer memory comprising instructions that, when executed by the at least one processor, cause the system to:
provide, to a client device of a merchant and based on a setting associated with a user indicating that the merchant can communicate with the user via a messaging thread, instructions to cause the client device of the merchant to:
determine that a messaging graphical user interface is not in focus on a display device of the client device of the merchant; and
bring the messaging graphical user interface into focus on the display device of the client device of the merchant by opening the messaging graphical user interface to present the messaging thread comprising a conversation between the user and the merchant on the display device of the client device of the merchant;

receive, from the client device of the merchant, a product listing comprising a plurality of products available from the merchant;
provide, to a client device of a user, the product listing within the messaging thread, the messaging thread comprising the conversation between the user and the merchant within a messaging application;
receive, via a user messaging account associated with the user, a payment message directed to a merchant messaging account associated with the merchant within the messaging thread, the payment message indicating a payment amount corresponding to a selected product of the product listing;
authorize, with a payment network, a payment credential of the user for the payment amount;
forward, in response to positive payment authorization for the payment credential, the payment message to the merchant messaging account for displaying content of the payment message within the messaging thread; and
process a transaction for the payment amount between the user and the merchant by sending a payment transaction request to the payment network to transfer funds from the payment credential of the user to an account associated with the merchant.

2. The system as recited in claim 1 , further comprising instructions that, when executed by the at least one processor, cause the system to:
provide, to the client device of the user, a consumer version of the messaging application comprising the messaging thread; and
provide, to a client device of the merchant, a merchant version of the messaging application comprising the messaging thread, the merchant version of the messaging application having functions not available in the consumer version of the messaging application.

3. The system as recited in claim 1 , further comprising instructions that, when executed by the at least one processor, cause the system to:
identify a setting associated with the user indicating that the merchant can communicate with the user via the messaging thread; and
access, in response to identifying the setting, the messaging thread between the user and the merchant by causing the client device of the merchant to open the conversation between the user and the merchant within the messaging application.

4. The system as recited in claim 3 , further comprising instructions that, when executed by the at least one processor, cause the system to:
receive location information associated with the client device of the user; and
provide the instructions to cause the client device of the merchant to bring the messaging graphical user interface into focus on the display device of the client device of the merchant in response to receiving the location information associated with the client device of the user.

5. The system as recited in claim 3 , wherein the setting associated with the user comprises a user preference set by the user.

6. The system as recited in claim 1 , further comprising instructions that, when executed by the at least one processor, cause the system to:
provide, to the client device of the user for display within the messaging application comprising the messaging thread, a list of merchants comprising the merchant; and
provide, to the client device of the user with the list of merchants, a visual indication that the merchant is associated with a social networking system and is able to communicate via the messaging application.

7. The system as recited in claim 1 , further comprising instructions that, when executed by the at least one processor, cause the system to:
receive, from the client device of the user, an image of the user within a time-dependent flow of the messaging thread between the user and the merchant; and
compare, using image recognition techniques, the image of the user to stored information in a messaging database to verify an identity of the user.

8. The system as recited in claim 1 , further comprising instructions that, when executed by the at least one processor, cause the system to associate, in response to the payment message, the payment message with the messaging thread by writing the payment message with a message thread identifier for the messaging thread to a message database.

9. The system as recited in claim 8 , further comprising instructions that, when executed by the at least one processor, cause the system to:
receive, via the messaging thread, a refund request for the selected product, the refund request comprising a transaction identifier from the payment message;
access, in response to the refund request, transaction information from the message database based on the transaction identifier in the refund request; and
process the refund request for the selected product using the transaction information.

10. A non-transitory computer readable storage medium comprising instructions that, when executed by at least one processor, cause a computer system to:
provide, to a client device of a merchant and based on a setting associated with a user indicating that the merchant can communicate with the user via a messaging thread, instructions to cause the client device of the merchant to:
determine that a messaging graphical user interface is not in focus on a display device of the client device of the merchant; and
bring the messaging graphical user interface into focus on the display device of the client device of the merchant by opening the messaging graphical user interface to present the messaging thread comprising a conversation between the user and the merchant on the display device of the client device of the merchant;

receive, from the client device of the merchant, a product listing comprising a plurality of products available from the merchant;
provide, to a client device of a user, the product listing within the messaging thread, the messaging thread comprising the conversation between the user and the merchant within a messaging application;
receive, via a user messaging account associated with the user, a payment message directed to a merchant messaging account associated with the merchant within the messaging thread, the payment message indicating a payment amount corresponding to a selected product of the product listing;
authorize, with a payment network, a payment credential of the user for the payment amount;
forward, in response to positive payment authorization for the payment credential, the payment message to the merchant messaging account for displaying content of the payment message within the messaging thread; and
process a transaction for the payment amount between the user and the merchant by sending a payment transaction request to the payment network to transfer funds from the payment credential of the user to an account associated with the merchant.

11. The non-transitory computer readable storage medium as recited in claim 10 , further comprisi

Assignees

• Facebook Inc

Inventors

• Davis Stephen Moore
• Nalla Vipan Reddy Raja

Classifications

• G06Q20/325

  using wireless networks · CPC title

• G06Q20/3224

  Transactions dependent on location of M-devices · CPC title

• G06Q20/085

  involving remote charge determination or related payment systems · 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

• G06Q20/3255 Primary

  using mobile network messaging services for payment, e.g. SMS · CPC title