Patent application number | Description | Published |
20090204523 | METHOD AND APPARATUS FOR FACILITATING ONLINE PAYMENT TRANSACTIONS IN A NETWORK-BASED TRANSACTION FACILITY USING MULTIPLE PAYMENT INSTRUMENTS - A method and apparatus for facilitating online payment transactions between participants in a network-based transaction facility are described. In one embodiment, user interface information is communicated to a first participant via a communications network. The user interface information identifies various payment instruments available for processing online payment transactions in the network-based transaction facility. Further, payment option information is received from the first participant via the communications network. The payment option information indicates the willingness of the first participant to accept a payment from a second participant via one or more of the various payment instruments. This payment option information is passed to the second participant via the communications network. Afterwards, personal billing information is accepted from the second participant via the communications network to facilitate an online payment transaction between the first participant and the second participant. The personal billing information concerns a payment instrument selected by the second participant from the payment instruments specified by the first participant. | 08-13-2009 |
20120303522 | METHOD AND APPARATUS FOR FACILITATING ONLINE PAYMENT TRANSACTIONS IN A NETWORK-BASED TRANSACTION FACILITY USING MULTIPLE PAYMENT INSTRUMENTS - A method and apparatus for facilitating online payment transactions between participants in a network-based transaction facility are described. In one embodiment, user interface information that identifies various payment instruments available for processing online payment transactions is communicated to and received by a first participant via a communications network. Payment option information indicating the willingness of the first participant to accept a payment from a second participant via one of the various payment instruments is passed to the second participant via the communications network. Personal billing information concerning a selected payment instrument from the various payment instruments is accepted from the second participant to facilitate an online payment transaction between the first participant and the second participant. | 11-29-2012 |
20120303532 | METHOD AND APPARATUS FOR FACILITATING ONLINE PAYMENT TRANSACTIONS IN A NETWORK-BASED TRANSACTION FACILITY USING MULTIPLE PAYMENT INSTRUMENTS - A method and system for transferring value to a user of a transaction system including receiving from the user a request for value, evaluating the risk involved in providing the value by evaluating information accessible to the transaction system, selectively approving the request for value based on evaluating the risk involved, and distributing the value to the user. The information that is accessible to the transaction system may be stored at the transaction system or separated from the transaction system. The value may include funds, a line of credit, coupons, or gift certificates, and may be distributed over a period of time. The user may be a buyer or a seller. | 11-29-2012 |
20140316975 | METHOD AND APPARATUS FOR FACILITATING ONLINE PAYMENT TRANSACTIONS IN A NETWORK-BASED TRANSACTION FACILITY USING MULTIPLE PAYMENT INSTRUMENTS - A method and system for transferring value to a user of a transaction system including receiving from the user a request for value, evaluating the risk involved in providing the value by evaluating information accessible to the transaction system, selectively approving the request for value based on evaluating the risk involved, and distributing the value to the user. The information that is accessible to the transaction system may be stored at the transaction system or separated from the transaction system. The value may include funds, a line of credit, coupons, or gift certificates, and may be distributed over a period of time. The user may be a buyer or a seller. | 10-23-2014 |
20140372310 | METHOD AND APPARATUS FOR FACILITATING ONLINE PAYMENT TRANSACTIONS IN A NETWORK-BASED TRANSACTION FACILITY USING MULTIPLE PAYMENT INSTRUMENTS - A method and system for transferring value to a user of a transaction system including receiving from the user a request for value, evaluating the risk involved in providing the value by evaluating information accessible to the transaction system, selectively approving the request for value based on evaluating the risk involved, and distributing the value to the user. The information that is accessible to the transaction system may be stored at the transaction system or separated from the transaction system. The value may include funds, a line of credit, coupons, or gift certificates, and may be distributed over a period of time. The user may be a buyer or a seller. | 12-18-2014 |
20150178720 | System for accepting a first currency for making payment for a transaction and paying for the transaction with funds in a different currency. - A method and system for transferring value to a user of a transaction system including receiving from the user a request for value, evaluating the risk involved in providing the value by evaluating information accessible to the transaction system, selectively approving the request for value based on evaluating the risk involved, and distributing the value to the user. The information that is accessible to the transaction system may be stored at the transaction system or separated from the transaction system. The value may include funds, a line of credit, coupons, or gift certificates, and may be distributed over a period of time. The user may be a buyer or a seller. | 06-25-2015 |
20150178734 | System for accepting a first account for making payment for a transaction and paying for the transaction with funds from a second account - An online payment service receives from a consumer the identity of a first account for making a payment for a transaction. The payment service accepts the first account for making the payment. The payment is permitted to be made from a second account maintained for the consumer by the online payment service. The second account may be internal to the online payment system, and the first account may be external to the online payment service. A third party may participate in the transaction. | 06-25-2015 |
20150379518 | SYSTEM FOR EVALUATING RISK IN PROVIDING VALUE TO THE USER OF A TRANSACTION SYSTEM USING INFORMATION ACCESSIBLE TO THE TRANSACTION SYSTEM - A system receives a request for value from a user. The risk involved in providing the value to the user is evaluated using information accessible to the transaction system, the information includes contact information associated with the user. The request is selectively approved based on evaluating the risk involved and value is distributed to the user via a network. The contact information may comprise address information associated with the user, such as a residential street address of the user, a city of residence of the user, a state of residence of the user, a zip code of residence of the user, a telephone number associated with the user, and checking account information. | 12-31-2015 |