Webpage workflows with pooled transactions

Patent metadata

Field	Value
Publication number	US-2017193590-A1
Application number	US-201514985276-A
Country	US
Kind code	A1
Filing date	Dec 30, 2015
Priority date	Dec 30, 2015
Publication date	Jul 6, 2017
Grant date	—

Abstract

Methods and systems for webpage workflows with pooled payments are described. A user or a system may define a flow and individual transactions may be added to create a pooled transaction. The pooled transaction may be processed as one transaction. The pooled transaction may also be canceled or returned as one transaction. In certain embodiments, a transaction device and/or customer relationship management system may analyze the pooled transaction and provided suggestions to aid the user.

First claim

What is claimed is:

1 . A transaction processing system comprising:
communications circuitry; one or more non-transitory memories configured to store instructions; and one or more hardware processors coupled to the non-transitory memories, communicatively connected to the communications circuitry, and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
receive payment information for a plurality of individual transactions to create a pooled transaction, wherein the plurality of transactions is associated with a plurality of webpages,
determine a transaction category for each individual transaction of the plurality of individual transaction,
group the individual transactions into a plurality of transaction pools according to the determined transaction category,
calculate, from the payment information for the plurality of individual transactions, a pooled payment amount,
communicate the pooled payment amount to a user device,
receive, from the user device, an indication to process the pooled transaction, and
process the pooled transaction.

2 . The transaction processing system of claim 1 , wherein the one or more hardware processors is further configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
receive, from the user device, an indication to cancel the pooled transaction; and cancel the pooled transaction.

3 . The transaction processing system of claim 2 , wherein canceling the pooled transaction comprises canceling at least a plurality of the individual transactions.

4 . The transaction processing system of claim 1 , wherein the one or more hardware processors is further configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
receive, from the user device, an indication to cancel the pooled transaction; to sort each individual transaction of the plurality of individual transactions into an automatic cancellation pool and a manual cancellation pool; cancel the transactions of the automatic cancellation pool; and communicate a user input requirement for the manual cancellation pool to the user device.

5 . The transaction processing system of claim 1 , wherein the one or more hardware processors is further configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
receive, from the user device, an indication to cancel a transaction and/or the pooled transaction; determine a related transaction associated with the transaction and/or pooled transaction of the indication to cancel; create a transaction cancellation pool comprising the transaction and/or the pooled transaction and the related transaction; and communicate the transaction cancellation pool to the user device.

6 . The transaction processing system of claim 1 , wherein the one or more hardware processors is further configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
receive, from the user device, an indication to cancel the transactions of at least one of the transaction pools; and cancel the transactions of the at least one transaction pool.

7 . The transaction processing system of claim 1 , wherein the one or more hardware processors is further configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
determine one or more transaction suggestions responsive to one or more of the individual transactions; and communicate, to the user device, the one or more transaction suggestions.

8 . The transaction processing system of claim 7 , wherein the one or more transaction suggestions are determined responsive to, at least in part, a transaction category of the individual transactions and/or a transaction location associated with one or more of the individual transactions.

9 . The transaction processing system of claim 7 , wherein the one or more hardware processors is further configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
store a transaction history associated with the user or user device; and determine the one or more transaction suggestions responsive to, at least in part, the transaction history.

10 . The transaction processing system of claim 7 , wherein the one or more transaction suggestions are determined responsive to, at least in part, a transaction timeframe associated with one or more of the individual transactions.

11 . The transaction processing system of claim 1 , wherein the one or more hardware processors is further configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
store a transaction history associated with the user or user device; and determine one or more suggested transaction pools responsive to the transaction history and at least one of the individual transactions.

12 . The transaction processing system of claim 1 , wherein the one or more hardware processors is further configured to read instructions from the non-transitory memory to cause the system to perform operations comprising receive a transaction flow associated with the plurality of individual transactions.

13 . The transaction processing system of claim 1 , wherein the one or more hardware processors is further configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
determine one or more transaction discounts responsive to one or more of the individual transactions; and communicate, to the user device, the one or more transaction discounts.

14 . The transaction processing system of claim 1 , wherein the one or more hardware processors is further configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
determine a transaction goal associated with a user or the user device; compare the transaction goal to the pooled payment amount; and communicate information associated with the comparison of the transaction goal to the pooled payment amount to the user device.

15 . The transaction processing system of claim 14 , wherein the one or more hardware processors is further configured to read instructions from the non-transitory memory to cause the system to perform operations comprising: sort, responsive to the comparison, the individual transactions of the pooled transaction into at least a first transaction pool and a second transaction pool, wherein each of the first transaction pool and the second transaction pool is associated with different timeframes and communicating the information associated with the comparison comprises communicating information associated with the first transaction pool and the second transaction pool.

16 . The transaction processing system of claim 15 , wherein the one or more hardware processors is further configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
receive, from the user device, an indication to process the transaction pools; process the first transaction pool during a first timeframe; and process the second transaction pool during a second timeframe.

17 . A user device for processing pooled transactions comprising:
a communications component; a user interface configured to display data to a user and receive inputs from the user; and one o

Assignees

• Paypal Inc

Inventors

• Nair Rahul
• Min Eric Byungho

Classifications

• G06Q30/0633 Primary

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

• G06Q30/0613

  using intermediate agents · CPC title

• G06Q20/02

  involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] · CPC title