Patent application number | Description | Published |
20080235123 | MICRO PAYMENTS - In one example embodiment, a system and method is shown that includes receiving financial data generated by a widget residing on a web page, the financial data including at least one of donation, or purchase data. The system and method may further include transmitting a display update to update the widget, the updating based upon the financial data. Some example embodiments may include, selecting a widget using an input device to generate data including at least one of donation or purchase data. Moreover, the system and method may include transmitting the at least one of donation or purchase data. Further, the system and method may include storing the at least one of donation or purchase data to a cookie. | 09-25-2008 |
20080249818 | METHOD AND APPARATUS FOR PROCESSING ON-LINE DONATIONS - A computer-implemented method and apparatus for processing on-line donations is disclosed. An example embodiment includes elements to generate a donation badge for display on a web page; link the donation badge with an account on a payment site; receive a donation from a donor via the donation badge; and credit the donation to the account linked to the donation badge. | 10-09-2008 |
20080319839 | DYNAMICALLY CREATING A CONTEXT BASED ADVERTISEMENT - A method and a system dynamically generates an advertisement based on one or more tokens distilled from information about a web session that requested a web page. For example, a token is distilled from information about a web session. Data is retrieved from a commerce database based on the token. The retrieved data is assembled into an advertisement, which is then supplied for rendering with the web page. | 12-25-2008 |
20090043694 | SYSTEM AND METHOD FOR INTEGATING DIGITAL RIGHTS MANAGEMENT INFORMATION AND PAYMENT INFORMATION - One embodiment provides a system of distributing digital content from a first party to a second party over a network. The system includes an interface to receive by the second party from the first party a digital content package including a digital content and its header. The header provides Digital Rights Management (DRM) information and payment information for the digital content. The system also includes a payment module to receive a payment from the second party based on the received payment information. The system further includes an authorization module, after receiving the payment, to allow the second party to play the digital content under restrictions described in the received DRM. In some embodiments, the system may also include a preview module to allow the second party to preview the digital content for a predetermined number of times or for a predetermined length of time. | 02-12-2009 |
20090070262 | ACH-ENABLED MICROPAYMENTS - A method and a system for arranging for micropayment of transaction amounts related to micro-transactions transacted by a user are provided. In example embodiments, the method may include analyzing transaction conditions (e.g., availability of a stored value, a valid bank account, an Automated Clearing House (ACH) funding, a credit card account, or a transaction risk assessment result, associated with the user, and monetary value of the micro-transaction) and selecting a micropayment option for charging the transaction amount from a group of micropayment options, based on the transaction condition. The method may also include automatically applying the selected micropayment option for charging the transaction amount. According to example embodiments, the system may include a transaction analysis module and a payment processor. | 03-12-2009 |
20090076949 | CENTRALIZED TRANSACTION RECORD STORAGE - Various methods and systems are provided to permit the storage of online transaction records associated with user-merchant transactions facilitated by a payment service provider. In one example, such transaction records may be aggregated by the payment service provider to permit a user to search the records. In another example, such transaction records may be associated with user-selectable links to permit users to reorder previously purchased items referenced by the transaction records. In yet another example, such transaction records may be associated with warranty information to permit users to conveniently view warranty details associated with previously purchased items. In a further example, a client device may be implemented to determine whether a webpage includes transaction information associated with a user-merchant transaction. The transaction information may be captured and passed by the client device over a network in order to facilitate storage of the transaction information in a transaction record. | 03-19-2009 |
20090125349 | GLOBAL CONDUCT SCORE AND ATTRIBUTE DATA UTILIZATION - In one embodiment, a system and method is illustrated as including generating a model using at least one of a global conduct score and attribute data. A range of numeric values may be retrieved, based upon which, a better term is granted in a transaction than would otherwise be granted in the transaction. A comparison may be made between the model and the range of numeric values. Further, a better term may be granted in the transaction where the model falls within the range of numeric values. The global conduct score is computed using an approach including at least one of a feed score approach, and a composite score approach. The attribute data includes page view data, click through data, account usage data, and good purchased data. The model includes a global conduct score model, a weighting model, an AI based model, and an associated network based model. | 05-14-2009 |
20090171804 | SYSTEM AND METHOD FOR CONDUCTING A GIFT VALUE TRANSACTION - A system and method for conducting a gift value transaction is described herein. The method includes receiving a request for payment for a gift; notifying a gift recipient of the gift; prompting the gift recipient to accept or reject the gift; and receiving a response from the gift recipient, wherein if the response is to accept the gift, the gift is released to the gift recipient, and if the response is to reject the gift, prompting the gift recipient to select an alternative gift in place of the gift. | 07-02-2009 |
20090171836 | SYSTEM AND METHOD FOR IDENTIFICATION VERIFICATION OVER A FINANCIAL NETWORK - A system and method for identification verification over a network is described herein. In one embodiment, the system for identification verification over a network comprises a communication interface; and a payment provider system configured to receive via the communication interface an image of an individual from a merchant system, verify the image received from the merchant system by comparing the image received with a known good image of the individual, and indicated one of positive identification or negative identification back to the merchant system. | 07-02-2009 |
20090171843 | UNIVERSAL FUNDING CARD AND DELAYED ASSIGNMENT OF A FUNDING INSTRUMENT FOR A FINANCIAL TRANSACTION - A universal funding card and the delayed assignment of a funding instrument for a financial transaction are described herein. In one embodiment, a system for facilitating a financial transaction comprises a communications interface; a database storing data regarding a user and a plurality of funding instruments associated with that user; and a payment processing system configured to receive a request for payment authorization from a merchant via the communications interface, to authorize payment to the merchant prior to selection of a funding instrument, and after authorizing payment to the merchant, receive instructions regarding a funding instrument to debit for the payment. | 07-02-2009 |
20090171844 | SYSTEM AND METHOD OF A PASSPHRASE ACCOUNT IDENTIFIER FOR USE IN A NETWORK ENVIRONMENT - A system and method for facilitating a financial transaction over a network including use of a passphrase account identifier is described herein. In one embodiment, a system for facilitating a financial transaction over a network comprises a communication interface; and a payment provider system configured to receive via the communication interface a passphrase account identifier from a merchant system, match the passphrase account identifier to a corresponding funding instrument number of a corresponding funding instrument, communicated the corresponding funding instrument number to an issuer system, receive from the issuer system a notification indication of one of acceptance of the funding instrument or decline of the funding instrument, and communicate back to the merchant system the notification indication. | 07-02-2009 |
20090171900 | PRINTER DRIVER FOR TRANSACTION RECORD STORAGE - A printer driver may be used to pass transaction information to a remote location for storage. Such transaction information may pertain, for example, to online transactions performed by a user in relation to various online merchants. Such transactions, for example, may also be facilitated by a payment service provider. In one example, a method of processing transaction information includes receiving transaction information at a client device. The transaction information is associated with a user-merchant transaction. The method also includes receiving a user-initiated selection of a printer driver. The method further includes, in response to the selection, passing the transaction information to a remote location to store the transaction information in a transaction record maintained at the remote location. The passing is performed by software implemented in the printer driver. Related methods, devices, and systems are also disclosed. | 07-02-2009 |
20090327128 | SYSTEM AND METHOD FOR MANAGING ALLOCATION OF FUNDS BETWEEN A PLURALITY OF ENTITIES - Embodiments of the present invention provide a system and method for managing allocation of funds between a plurality of entities. In example embodiments, details of a remuneration to the plurality of entities are received. The remuneration relates to at least one transaction. Funds associated with the remuneration are allocated among the plurality of entities to be remunerated based on at least a portion the details of the remuneration. | 12-31-2009 |
20100017217 | METHODS AND SYSTEMS FOR SETTING AND ENABLING BADGES ON WEB PAGES - A charity badge may be set up for a web site of a publisher. The publisher may indicate a charity organization that the publisher wants to support. The charity badge may not be visible until an event occurs. The event may be a disaster event. | 01-21-2010 |
20100191629 | SYSTEM AND METHOD FOR MANAGING ALLOCATION OF FUNDS BETWEEN A PLURALITY OF ENTITIES - Embodiments of the present invention provide a system and method for managing allocation of funds between a plurality of entities. In example embodiments, details of a remuneration to the plurality of entities are received. The remuneration relates to at least one transaction and the received details identify a list of individuals to be remunerated and an amount of the remuneration to be allocated to each of the individuals on the list. Funds associated with the remuneration are allocated among the plurality of entities to be remunerated based on at least a portion the details of the remuneration. | 07-29-2010 |
20110077949 | MICROPAYMENTS AGGREGATION - Various methods, apparatus, and systems are disclosed for improved micropayment arrangements that allow for versatile and efficient micropayments aggregation and distribution of funds. In accordance with one embodiment, a method of aggregating micropayments includes registering a plurality of seller accounts, each including content to be sold, and associating the content with a micropayment aggregation method, including pre-paid aggregation, post-paid aggregation, and time-delayed aggregation. The method further includes then charging a buyer account for purchases of content based on different micropayment aggregation methods associated with the content. | 03-31-2011 |
20110246516 | CENTRALIZED TRANSACTION RECORD STORAGE - Various methods and systems are provided to permit the storage of online transaction records associated with user-merchant transactions facilitated by a payment service provider. In accordance with an embodiment of the disclosure, a method of processing transaction information comprises receiving a webpage at a client device, wherein the webpage has an associated webpage address. The method also includes comparing the webpage address with a transaction webpage database. If the webpage address matches an address of the transaction webpage database, the method includes: capturing at least a portion of the webpage corresponding to transaction information associated with a user-merchant transaction, and passing the transaction information over a network in order to facilitate storage of the transaction information in a transaction record. | 10-06-2011 |
20110307343 | SYSTEM AND METHOD FOR CONDUCTING A GIFT VALUE TRANSACTION - A system and method for conducting a gift value transaction is described herein. The method includes receiving a request for payment for a gift, wherein the request includes buyer-imposed conditions on use of the gift; notifying a gift recipient of the gift; and tracking the gift recipient's account balances at the different merchants with the buyer-imposed conditions. | 12-15-2011 |
20120016776 | DYNAMIC CONTENT FOR ONLINE TRANSACTIONS - Various methods and systems are disclosed to provide dynamic content to users of online payment service providers without requiring users to log in or otherwise actively engage the payment service providers. In one example, a method of providing dynamic content includes providing a client device with access to an online marketplace over a network. The method also includes facilitating transmission of a user identifier stored by the client device to a payment service provider. The method further includes receiving dynamic content from the payment service provider in response to the user identifier. In addition, the method includes serving the dynamic content to the client device over the network. | 01-19-2012 |
20120203692 | Centralized Transaction Record Storage - A system according to an embodiment comprises a plurality of searchable machine-readable transaction records associated with a plurality of user accounts, the searchable machine-readable transaction records comprising transaction information associated with a plurality of user-merchant transactions, wherein the transaction information is provided by merchant server(s) and is captured and passed by one or more users to the system in response to a determination performed at a respective client device of the user(s) that a webpage comprises transaction information such that an address of the webpage matches an address in a transaction webpage database; one or more processors; and one or more memories adapted to store a plurality of machine-readable instructions which when executed by the processor(s) are adapted to cause the system to provide: a transaction record processing application configured to store the captured transaction information in the searchable machine-readable transaction records associated with the user accounts on the system. | 08-09-2012 |
20120215697 | METHOD AND SYSTEM FOR FACILITATING ONLINE PAYMENTS BASED ON AN ESTABLISHED PAYMENT AGREEMENT - A method and system for facilitating online payments are disclosed. According to one aspect of the present invention, a payment agreement is established at a payment service provider that defines terms of a payment relationship between a merchant and a user. The establishing of the payment agreement includes linking the payment agreement with a payment account of the merchant or user stored at the payment service provider. After establishing the payment agreement, a payment request associated with a transaction is received, whereby the payment request includes a unique identifier to identify the payment agreement stored at the payment service provider. Based on a verification that the payment request complies with terms of the payment agreement, the payment request is processed. | 08-23-2012 |
20120253955 | SYSTEM AND METHOD OF A PASSPHRASE ACCOUNT IDENTIFIER FOR USE IN A NETWORK ENVIRONMENT - A system and method for facilitating a financial transaction over a network including use of a passphrase account identifier is described herein. In one embodiment, a system for facilitating a financial transaction over a network comprises a communication interface; and a payment provider system configured to receive via the communication interface a passphrase account identifier from a merchant system, match the passphrase account identifier to a corresponding funding instrument number of a corresponding funding instrument, communicated the corresponding funding instrument number to an issuer system, receive from the issuer system a notification indication of one of acceptance of the funding instrument or decline of the funding instrument, and communicate back to the merchant system the notification indication. | 10-04-2012 |
20120254424 | GLOBAL CONDUCT SCORE AND ATTRIBUTE DATA UTILIZATION PERTAINING TO COMMERCIAL TRANSACTIONS AND PAGE VIEWS - In one embodiment, a system and method is illustrated as including generating a model using at least one of a global conduct score and attribute data. A range of numeric values may be retrieved, based upon which, a better term is granted in a transaction than would otherwise be granted in the transaction. A comparison may be made between the model and the range of numeric values. Further, a better term may be granted in the transaction where the model falls within the range of numeric values. The global conduct score is computed using an approach including at least one of a feed score approach, and a composite score approach. The attribute data includes page view data, click through data, account usage data, and good purchased data. The model includes a global conduct score model, a weighting model, an AI based model, and an associated network based model. | 10-04-2012 |
20120271707 | PAYMENT VIA FINANCIAL SERVICE PROVIDER USING NETWORK-BASED DEVICE - A system includes an interface to receive a request associated with a third party at a financial service provider from a network-based device associated with a user. The request includes an identifier that identifies an offer. The system further includes a revenue share application configured to determine whether the transaction involves a plurality of third parties and to determine a payment share for each party of the plurality of third parties based on the transaction involving the plurality of third parties. A payment transfer module transfers the payment share from an account of the user to each account associated with each party of the plurality of third parties. | 10-25-2012 |
20120271762 | METHOD AND SYSTEM TO FACILITATE A TRANSFER OF FUNDS BETWEEN PARTIES USING A TELEPHONE-ENABLED DEVICE - A method and system utilized to receive a registration request to register a mobile telephone with a financial payment system and contact information that identifies the mobile telephone. The system generates a confirmation code responsive to receiving the contact information and communicates the confirmation code to the mobile telephone. The system further receives from the mobile telephone a request to confirm the registration, the request to confirm registration including the confirmation code; and configures the first financial account at the financial payment system to receive instructions from the mobile telephone to transfer funds on the financial payment system. | 10-25-2012 |
20130030939 | DYNAMIC CONTENT FOR ONLINE TRANSACTIONS - Various methods and systems are disclosed to provide dynamic content to users of online payment service providers without requiring users to log in or otherwise actively engage the payment service providers. In one example, a method of providing dynamic content includes providing a client device with access to an online marketplace over a network. The method also includes facilitating transmission of a user identifier stored by the client device to a payment service provider. The method further includes receiving dynamic content from the payment service provider in response to the user identifier. In addition, the method includes serving the dynamic content to the client device over the network. | 01-31-2013 |
20130226749 | CENTRALIZED TRANSACTION RECORD STORAGE - Methods and systems according to one or more embodiments are provided for storing online transaction records associated with user-merchant transactions. In an embodiment, a system comprises one or more processors. The system also comprises one or more memories adapted to store a plurality of machine-readable instructions which when executed by the one or more processors are adapted to cause the system to: receive transaction information captured and passed from a client device in response to the client device determining that information or content provided by a merchant server comprises transaction information, wherein the transaction information is associated with a user-merchant transaction; and store the received transaction information in a searchable machine-readable transaction record associated with a user account. | 08-29-2013 |
20140012692 | SYSTEM AND METHOD OF A PASSPHRASE ACCOUNT IDENTIFIER FOR USE IN A NETWORK ENVIRONMENT - A system and method for facilitating a financial transaction over a network including use of a passphrase account identifier is described herein. In one embodiment, a system for facilitating a financial transaction over a network comprises a communication interface; and a payment provider system configured to receive via the communication interface a passphrase account identifier from a merchant system, match the passphrase account identifier to a corresponding funding instrument number of a corresponding funding instrument, communicated the corresponding funding instrument number to an issuer system, receive from the issuer system a notification indication of one of acceptance of the funding instrument or decline of the funding instrument, and communicate back to the merchant system the notification indication. | 01-09-2014 |
20140101536 | METHODS AND SYSTEMS FOR SETTING AND ENABLING BADGES ON WEB PAGES - A charity badge may be set up for a web site of a publisher. The publisher may indicate a charity organization that the publisher wants to support. The charity badge may not be visible until an event occurs. The event may be a disaster event. | 04-10-2014 |
20140172475 | METHODS AND SYSTEMS FOR FACILITATING TRANSACTIONS USING BADGES - In various embodiments, a system and method for facilitating transactions using a badge are provided. In example embodiments, codes for a badge to be displayed on a web page of a web site are generated. The codes for the badge are embedded in the web page prior to an occurrence of an event external to the web site. In response to an indication of the event, the embedded codes are activated to display the badge on the web page. | 06-19-2014 |
20140200998 | DYNAMICALLY CREATING A CONTEXT BASED ADVERTISEMENT - A method and a system dynamically generates an advertisement based on one or more tokens distilled from information about a web session that requested a web page. For example, a token is distilled from information about a web session. Data is retrieved from a commerce database based on the token. The retrieved data is assembled into an advertisement, which is then supplied for rendering with the web page. | 07-17-2014 |
20140310193 | METHOD AND APPARATUS FOR PROCESSING ON-LINE DONATIONS - A computer-implemented method and apparatus for processing on-line donations is disclosed. An example embodiment includes elements to generate a donation badge for display on a web page; link the donation badge with an account on a payment site; receive a donation from a donor via the donation badge; and credit the donation to the account linked to the donation badge. | 10-16-2014 |
20150088678 | DYNAMIC CONTENT FOR ONLINE TRANSACTIONS - In one example, a method of providing dynamic content includes providing a client device with access to an online marketplace over a network. The method also includes facilitating transmission of a user identifier stored by the client device to a payment service provider. The method further includes receiving dynamic content from the payment service provider in response to the user identifier. In addition, the method includes serving the dynamic content to the client device over the network. | 03-26-2015 |