Granted Patent B2

US 10,984,406 · App. 16/424,123 · Granted Apr 20, 2021

Inventor: Kevin Laracey (Natick, MA)

Assignee: PAYPAL, INC.

G06Q20/3278G06Q20/108G06Q20/20G06Q20/322G06Q20/3276G06Q20/36G06Q30/0226G06Q30/0241G06Q30/0253G06Q30/06

Abstract

Claims (53)

1. A method for performing a transaction, comprising:

receiving, by a transaction management system from a merchant Point Of Sale (POS) device, a first merchant transaction authorization request that does not include a transaction amount and that identifies a merchant and a first checkout token that was previously issued to a customer account;

creating, by the transaction management system, a pending transaction in association with at least one customer payment account associated with the customer account;

providing, by the transaction management system for display on a customer mobile device that is linked with the customer account, a first pending transaction screen that identifies the merchant, at least one offer that is based on information in the customer account, and the at least one customer payment account;

receiving, by the transaction management system from the merchant POS device and subsequent to providing the first pending transaction screen for display on the customer mobile device, a second merchant transaction authorization request that includes a transaction amount due;

providing, by the transaction management system for display on the customer mobile device subsequent to providing the first pending transaction screen for display on the customer mobile device, a second pending transaction screen that identifies the merchant, the at least one customer payment account, and the transaction amount due; and

causing, by the transaction management system subsequent to providing the second pending transaction screen for display on the customer mobile device, funds to be transferred from the at least one customer payment account to the merchant.

2. The method of claim 1 , wherein the at least one customer payment account includes a plurality of customer payment accounts, and the method further comprises:

receiving, by the transaction management system, a selection of a first customer payment account from the plurality of customer payment accounts, wherein the transaction management system causes the funds to be transferred from the first customer payment account to the merchant.

3. The method of claim 2 , wherein the transaction management system identifies the plurality of customer payment accounts using a plurality of customer provided rules that are associated with the customer account.

4. The method of claim 1 , wherein the

at least one offer that is based on information in the customer account includes at least one of a coupon, a loyalty incentive, or an advertisement.

5. The method of claim 1 , wherein the first pending transaction screen includes:

an indication that the transaction management system is waiting on the transaction amount due from the merchant.

6. The method of claim 1 , further comprising:

issuing, by the transaction management system prior to receiving the first merchant transaction authorization request, a plurality of checkout tokens that include the first checkout token.

7. The method of claim 1 , wherein the at least one customer payment account includes a merchant loyalty account, and wherein the second pending transaction screen includes:

a calculated loyalty savings resulting from the use of the merchant loyalty account.

8. The method of claim 1 , wherein the creating the pending transaction in association with the at least one customer payment account includes:

selecting the at least one customer payment account based on the transaction amount due.

9. The method of claim 8 , wherein the at least one customer payment account is designated as a default account for the transaction amount due.

10. The method of claim 1 , wherein the creating the pending transaction in association with the at least one customer payment account includes:

selecting the at least one customer payment account based on an identity of the merchant.

11. A transaction management system, comprising:

a non-transitory memory; and

at least one hardware processor coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:

receiving, from a merchant Point Of Sale (POS) device, a pending merchant transaction authorization request that does not include a transaction amount and that identifies a merchant and a checkout token that was previously issued to a customer account;

creating a pending transaction in association with at least one customer payment account associated with the customer account;

providing, for display on a computing device that is linked with the customer account, a pending transaction screen that identifies the merchant, at least one offer that is based on information in the customer account, and the at least one customer payment account;

receiving, from the merchant POS device and subsequent to providing the pending transaction screen for display on the computing device, an updated merchant transaction authorization request that includes a transaction amount due;

providing, for display on the computing device subsequent to providing the pending transaction screen for display on the computing device, an updated transaction screen that identifies the merchant, the at least one customer payment account, and the transaction amount due; and

causing, subsequent to providing the updated transaction screen for display on the computing device, funds to be transferred from the at least one customer payment account to the merchant.

12. The transaction management system of claim 11 , wherein the at least one customer payment account includes a plurality of customer payment accounts, and the operations further comprise:

receiving a selection of a first customer payment account from the plurality of customer payment accounts and, in response, causing the funds to be transferred from the first customer payment account to the merchant.

13. The transaction management system of claim 12 , wherein the plurality of customer payment accounts are identified using a plurality of customer provided rules that are associated with the customer account.

14. The transaction management system of claim 11 , wherein the at least one offer that is based on information in the customer account includes at least one of a coupon, a loyalty incentive, or an advertisement.

15. The transaction management system of claim 11 , wherein the operations further comprise:

issuing, prior to receiving the pending merchant transaction authorization request, a plurality of checkout tokens that include the checkout token that was previously issued to the customer account.

16. The transaction management system of claim 11 , wherein the at least one customer payment account includes a merchant loyalty account, and wherein the updated transaction screen includes:

a calculated loyalty savings resulting from a use of the merchant loyalty account.

17. A non-transitory, machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

receiving, from a merchant Point Of Sale (POS) device, a pending transaction authorization request that does not include a transaction amount;

creating a pending transaction in association with at least one customer payment account that is associated with a customer identified in the pending transaction authorization request;

providing, for display on a device that is linked with the customer, a pending transaction screen that identifies a merchant identified in the pending transaction authorization request, at least one offer that is based on information in a customer account, and the at least one customer payment account;

receiving, from the merchant POS device and subsequent to providing the pending transaction screen for display on the device, an updated transaction authorization request that includes a transaction amount due;

providing, for display on the device subsequent to providing the pending transaction screen for display on the device, an updated transaction screen that identifies the transaction amount due; and

causing, subsequent to providing the updated transaction screen for display on the device and in order to complete the pending transaction, funds to be transferred from the at least one customer payment account to the merchant; and

completing the pending transaction after the funds have been transferred from the at least one customer payment account to the merchant.

18. The non-transitory, machine-readable medium of claim 17 , wherein the creating the pending transaction in association with at least one customer payment account includes:

selecting the at least one customer payment account based on the transaction amount due.

19. The non-transitory, machine-readable medium of claim 18 , wherein the at least one customer payment account is designated as a default account for the transaction amount due.

20. The non-transitory, machine-readable medium of claim 17 , wherein the creating the pending transaction in association with at least one customer payment account includes:

selecting the at least one customer payment account based on an identity of the merchant.

Assignments (3)

Continuity (19)

Cited By (2)

US 12,349,141 US 12,417,447