IPC분류정보
국가/구분 |
United States(US) Patent
등록
|
국제특허분류(IPC7판) |
|
출원번호 |
US-0192147
(2011-07-27)
|
등록번호 |
US-8615445
(2013-12-24)
|
발명자
/ 주소 |
- Dorsey, Jack
- Henderson, William
- Grassadonia, Brian
- McKelvey, Jim
- Neidermeyer, Brian Joseph
|
출원인 / 주소 |
|
대리인 / 주소 |
Novak Druce Connolly Bove + Quigg LLP
|
인용정보 |
피인용 횟수 :
52 인용 특허 :
64 |
초록
▼
A method is providing of paying second parties where if f they do not have an established association with the payment service, have an established association with the payment service prior to payment. The first party has an association with the payment service. A tab is opened by the first party t
A method is providing of paying second parties where if f they do not have an established association with the payment service, have an established association with the payment service prior to payment. The first party has an association with the payment service. A tab is opened by the first party that can be selected by the qualified second party at any geographic location of a first party's mobile device. The qualified second party is only able to charge a first party's financial account when the first party's mobile device is within a defined geographic area. The tab is a relationship between the first party, the payment service and the qualified second party. The qualified second party can engage in a financial transaction with the first party when the first party is within the defined geographic area. In response to the second party, (i) attempting to charge the first party or (ii) charging the first party, a determination is made to see if a fraudulent attempt or fraudulent use of the first party's financial account is committed.
대표청구항
▼
1. A method of paying a second party, comprising: using a processor to provide to a first party names of one or more qualified second parties through a payment service, the payment service being in communication with the first party's financial account that is a separate entity from the payment serv
1. A method of paying a second party, comprising: using a processor to provide to a first party names of one or more qualified second parties through a payment service, the payment service being in communication with the first party's financial account that is a separate entity from the payment service, the payment service including a transaction database, the qualified second parties defined as second parties qualified to transact business with the payment service, and second parties that if they are not qualified to do business, become qualified to transact business prior to a transfer of funds from the payment service;using a first party's mobile device to enter a first party's financial account information to the payment service in order for the first party to conduct transactions using the payment service;viewing by the qualified second party a list of first parties with open tabs, each of a tab being a relationship between the first party, the payment service and a second party qualified to transact business with the payment service;allowing a list of first parties with open tabs to be selected by the qualified second party at any geographic location of the first party's mobile device, the qualified second party being only able to charge a first party's financial account when the first party's mobile device is within a defined geographic area, the tab being a relationship among the first party, the payment service and the qualified second party, wherein the qualified second party can engage in a financial transaction when the first party is within the defined geographic area;using the first party's mobile device to send personal identifying information to the payment service to enter into a transaction with the second party;using the tab to enter into the transaction between the first and second party with the payment service transferring funds from the first party to the second party;sending information regarding the transaction from the payment service to the first party's mobile device; andin response to the second party determining if a fraudulent attempt or fraudulent use of the first party's funds is committed, the transaction database being updated for each completed transaction between the first and second parties. 2. The method of claim 1, wherein the mobile device includes a position sensor. 3. The method of claim 1, wherein a card reader includes a sensor and is coupled to the mobile device. 4. The method of claim 1, wherein the list of first parties seen by the qualified second party has first party identifying information. 5. The method of claim 4, wherein the identifying information identifies the first party. 6. The method of claim 5, wherein the identifying information is selected from at least one of, names, photos, cell number, social security number, e-mail address, and other personal identifying information for a first party. 7. The method of claim 1, further comprising: establishing the first party's financial account by the first party. 8. The method of claim 1, wherein the first party's mobile device is configured to communicate with the payment service. 9. The method of claim 1, wherein the first party views the names of the one or more qualified second parties with the first party's mobile device. 10. The method of claim 1, wherein the first party enters financial account information with a single initial entry to the payment service and not requiring additional entries of the financial account information to the payment service for future financial transactions between the first party and any qualified second party when the same payment service is used. 11. The method of claim 1, wherein the financial account is selected from at least one of, a bank account, credit card, debit card, pre-paid card and a second party financial account. 12. A method of paying a second party, comprising: using a processor for to access by a first party with a first party's mobile device to access through a payment system, names of one or more qualified second parties, second parties qualified to transact business with the payment service, and second parties that if they are not qualified to transact business become qualified to transact business with the payment service a transfer of funds, the first party being qualified to transact business with the payment service, the payment service being in communication with the first party's financial account that is a separate entity from the payment service, the payment service including a transaction database;opening a tab by the first party that can be selected by a qualified second party at any geographic location of the first party's mobile device, the qualified second party being only able to charge a first party's financial transaction card when the first party's mobile device is within a defined geographic area, the tab being a relationship between the first party, the payment service and the qualified second party, wherein the qualified second party can engage in a financial transaction with the first party is within the defined geographic area;using the first party's mobile device to send personal identifying information to the payment service to enter into a transaction with the second party;using the tab to enter into the transaction between the first and second party with the payment service transferring funds from the first party to the second party;sending information regarding the transaction from the payment service to the first party's mobile device; andin response to the use of the first party's mobile device to pay the second party, determining if a fraudulent attempt or fraudulent use of the first party's financial transaction card is committed; andwherein the first party receives confirmation of payment by the payment service with a communication channel of the first party's choice. 13. The method of claim 12, wherein the mobile device includes a position sensor. 14. The method of claim 12, wherein a card reader includes a sensor and is coupled to the mobile device.
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