US 9773232 B1 - Payment Without Account Creation - The Lens - Free & Open Patent and Scholarly Search

Payment Without Account Creation

Published: Sep 26, 2017
Earliest Priority: Aug 20 2014
Family: 4
Cited Works: 13
Cited by: 0
Cites: 10
Additional Info: Full text

Abstract

Technology is disclosed for a convenient money transfer without requiring any account login and/or creation activities. The disclosed technology enables a sender to transfer a specified amount of currency to one or more recipients through a payment application. In response to a request from the sender, the technology provides a user interface to collect a numerical value corresponding to the specified amount of currency, accesses a list of contacts in a database of the sender's mobile device, and then provides the list of contacts to the sender. The technology enables the sender to manually select recipients from the provided list of contacts and can accordingly initiate a payment process based on statuses of selected recipients.

Claims

A computer-implemented method for providing a user interface to facilitate implementing a payment application, the method comprising:
providing, by a mobile device of a sender, a user interface associated with the payment application to enable the sender to input a numerical value, wherein the numerical value is associated with an amount of a payment;

receiving, by the mobile device, from the user interface, a request to initiate the payment application;

in response to receiving the request, enabling, by the mobile device, the sender to access, using the user interface, a list of contacts previously stored in a database of the mobile device, wherein accessing the list of contacts includes locating the list of contacts by a contact-list search module, identifying a type of the list of contacts by a contact-list identification module, and analyzing the list of contacts by a contact-list analysis module;

providing, by the mobile device, the list of contacts to the sender through the user interface, wherein a first contact in the list of contacts is presented to the sender in a first section of the user interface and a second contact is presented to the sender in a second section of the user interface, and wherein the first contact is associated with a first electronic device that is located within the proximity of the mobile device, and wherein the second contact is associated with a second electronic device that is located outside the proximity of the mobile device, and wherein the first section is positioned adjacent to the second section, and wherein the numerical value inputted by the sender is presented in the first section for review by the sender;

receiving, by the mobile device, a portion of the list of contacts selected by the sender through the user interface, so as to identify at least one recipient;

transmitting, by the mobile device, information associated with the recipient to a payment application server;

in an event that a first recipient has a recipient service account associated with the payment application, presenting, in the user interface, a first indication associated with information from the recipient service account;

in an event that a second recipient does not have the recipient service account associated with the payment application server, presenting, by the mobile device, in the user interface, an indication associated with a message comprising an invitation hyperlink requesting the recipient to register a new service account associated with the payment application server, wherein the invitation hyperlink is generated by a link-generation module; and

while presenting the user interface corresponding to the payment application on a display associated with the mobile device indicating that a payment has been transmitted to the first recipient, instructing at the same time, by the mobile device, a background messaging process to transmit the message comprising the invitation hyperlink requesting the second recipient to register the new service account associated with the payment application.
The method of claim 1, further comprising:
in an event that recipient does not have the recipient service account associated with the payment application server and the recipient has been previously engaged in a previous transaction associated with the payment application, performing, by the mobile device, the payment process based on information from the previous transaction.
The method of claim 1, further comprising:
enabling, by the mobile device, the sender to input a note regarding the payment process based on one or more note suggestions.
The method of claim 1, further comprising:
determining, by the mobile device, an order of the list of contacts based on one or more ranking factors; and

providing, by the mobile device, the list of contacts to the sender through the user interface includes providing the list of contacts based on the order.
The method of claim 4, wherein the ranking factors includes at least one of the following: (1) whether a contact of the list of contacts has been previously associated with an existing service account associated with the payment application; (2) whether the contact of the list of contacts has involved in a previous transaction associated with the payment application; (3) whether the contact of the list of contacts has been associated with the payment application; (4) a relationship between the contact of the list of contacts and the sender; and (5) whether the contact of the list of contacts is within a proximity of the sender.
The method of claim 1, further comprising:
identifying, by the mobile device, one or more email addresses in the list of contacts, wherein each of the email addresses corresponds to a contact of the list of contacts;

verifying, by the mobile device, whether each of the email addresses relates to an existing service account associated with the payment application;

generating, by the mobile device, a candidate list, wherein the candidate list includes one or more verified contacts, wherein the verified contacts do not have existing service accounts associated with the payment application;

generating, by the mobile device, an invitation list by enabling the sender to select a specified number of invitees from the candidate list;

sending, by the mobile device, an invitation to each of the invitees from the sender, wherein the invitation includes a set of information regarding registering a new account associated with the payment application.
A computer-implemented method for providing a user interface to facilitate implementing a payment application, the method comprising:
providing, by a mobile device of a sender, a user interface associated with the payment application to enable the sender to input a numerical value;

receiving, by the mobile device, a request to implement the payment application from the user interface;

in response to receiving the request, enabling, by the mobile device, the sender to access, through the interface, a list of contacts previously stored in a database of the mobile device, wherein accessing the list of contacts includes locating the list of contacts by a contact-list search module, identifying a type of the list of contacts by a contact-list identification module, and analyzing the list of contacts by a contact-list analysis module;

providing, by the mobile device, the list of contacts to the sender through the user interface, wherein a first contact in the list of contacts is presented to the sender in a first section of the user interface and a second contact is presented to the sender in a second section of the user interface, and wherein the first contact is associated with a first electronic device that is located within the proximity of the mobile device, and wherein the second contact is associated with a second electronic device that is located outside the proximity of the mobile device, and wherein the first section is positioned in parallel and adjacent to the second section, and wherein the numerical value is presented in the first section so as to remind the sender;

receiving, by the mobile device, a portion of the list of contacts selected by the sender through the user interface, so as to identify at least one recipient;

transmitting, by the mobile device, information associated with the recipient to the payment application; and

while presenting the user interface corresponding to the payment application on a display associated with the mobile device indicating that a payment has been transmitted to a first recipient with a recipient service account associated with the payment application, instructing at the same time, by the mobile device, a background messaging process to transmit a message to a second recipient comprising an invitation hyperlink requesting the recipient to register a new service account, wherein the second recipient is not associated with recipient service account associated with the payment application.
The method of claim 7, further comprising:
in an event that the recipient has been previously engaged in a previous transaction associated with a server associated with the payment application, performing, by the mobile device, the payment process based on information from the previous transaction.
The method of claim 7, further comprising:
in an event that the recipient has a recipient service account associated with a server associated with the payment application, performing, by the mobile device, the payment process based on information from the recipient service account.
The method of claim 7, further comprising:
in an event that the recipient does not have a recipient service account associated with a server associated with the payment application, performing, by the mobile device, the payment process by transmitting a linking invitation requesting the recipient to submit recipient financial account information and to register a new service account associated with the payment application, wherein the linking invitation is generated by a link-generation module.
The method of claim 7, further comprising:
in an event that the sender does not have a sender service account associated with a server associated with the payment application, performing, by the mobile device, the payment process by transmitting a linking invitation requesting the sender to submit sender financial account information and to register a new service account associated with the payment application, wherein the linking invitation is generated by a link-generation module.
The method of claim 7, wherein the payment application completes the payment process without requiring the sender to login on a payment service server associated with the payment application.
The method of claim 7, wherein the payment application completes the payment process without requiring the recipient to login on a payment service server associated with the payment application.
The method of claim 7, wherein the payment application completes the payment process without requiring the sender to register an account of a payment service server associated with the payment application.
The method of claim 7, wherein the payment application completes the payment process without requiring the recipient to register an account of a payment service server associated with the payment application.
The method of claim 7, further comprising enabling, by the mobile device, the sender to input a note regarding the payment process based on one or more note suggestions.
The method of claim 7, further comprising determining, by the mobile device, an order of the list of contacts based on one or more ranking factors.
The method of claim 17, wherein providing the list of contacts to the sender through interface includes providing, by the mobile device, the list of contacts based on the order.
The method of claim 17, wherein the ranking factors includes at least one of the following: (1) whether a contact of the list of contacts has been previously associated with an existing service account associated with the payment application; (2) whether the contact of the list of contacts has involved in a previous transaction associated with the payment application; (3) whether the contact of the list of contacts has been associated with the payment application; (4) a relationship between the contact of the list of contacts and the sender; and (5) whether the contact of the list of contacts is within a proximity of the sender.
The method of claim 11, further comprising:
identifying, by the mobile device, one or more email addresses in the list of contacts, wherein each of the email addresses corresponds to a contact of the list of contacts;

verifying, by the mobile device, whether each of the email addresses relates to an existing service account associated with the payment application;

generating, by the mobile device, a candidate list, wherein the candidate list includes one or more verified contacts, wherein the verified contacts do not have existing service accounts associated with the payment application;

generating, by the mobile device, an invitation list by enabling the sender to select a specified number of invitees from the candidate list;

sending, by the mobile device, an invitation to each of the invitees from the sender, wherein the invitation includes a set of information regarding registering a new account associated with the payment application.
A system, comprising:
a client computing device having:

a processor and memory;

a client database configured to store a set of contact information, wherein the set of contact information includes multiple contacts and multiple corresponding email addresses;

an input component configured to receive a request to implement a payment application;

a display component configured to provide a user interface associated with the payment application to enable the sender to input a numerical value;

a retrieving component configured to retrieve a list of contacts by accessing the set of contact information stored in the client database, wherein accessing the set of contacts includes locating the set of contacts by a contact-list search module, identifying a type of the list of contacts by a contact-list identification module, and analyzing the set of contacts by a contact-list analysis module;

wherein the list of contacts is provided to the sender through the user interface, wherein a first contact in the list of contacts is presented to the sender in a first section of the user interface and a second contact is presented to the sender in a second section of the user interface, and wherein the first contact is associated with a first electronic device that is located within the proximity of the mobile device, and wherein the second contact is associated with a second electronic device that is located outside the proximity of the mobile device, and wherein the first section is positioned in parallel and adjacent to the second section, and wherein the numerical value is presented in the first section so as to remind the sender;

wherein a portion of the list of contacts is selected by the sender through the user interface; and
a messaging component to transmit a message comprising an invitation hyperlink requesting a first recipient to register a service account associated with the payment application in the background at the same time that the user interface corresponding to the payment application is being presented on a display associated with the mobile device, wherein the user interface presented is indicating that a payment has been transmitted to a second recipient.
The system of claim 21, further comprising:
a server computing device having a server database storing multiple existing service accounts associated with the payment application;

wherein the client computing device further includes:

an account verification component configured to verify whether each of the email addresses relates to one of the existing service accounts;

a list generation component configured to generate a candidate list having one or more verified contacts, wherein the verified contacts do not have existing service accounts associated with the payment application, wherein the list generation component is configured to generate an invitation list by enabling the sender to select a specified number of invitees from the candidate list;

an invitation component configured to send an invitation to each of the invitees from the sender, wherein the invitation includes a set of information regarding registering a new account associated with the payment application.
The system of claim 21, wherein in an event that the recipient has been previously engaged in a previous transaction associated with the payment application, the payment application performs the payment process based on information from the previous transaction.
The system of claim 21, wherein in an event that the recipient has an existing service account associated with the payment application, the payment application performs the payment process based on information from the existing service account.
The system of claim 21, wherein in an event that the recipient does not have an existing service account associated with the payment application, the payment application performs the payment process by transmitting a linking invitation requesting the recipient to submit recipient financial account information and to register a new service account associated with the payment application, wherein the linking invitation is generated by a link-generation module.
The system of claim 21, wherein in an event that the sender does not have an existing service account associated with the payment application, the payment application performs the payment process by transmitting a linking invitation requesting the sender to submit sender financial account information and to register a new service account associated with the payment application, wherein the linking invitation is generated by a link-generation module.
The system of claim 21, wherein the payment application completes the payment process without requiring the sender to login on a payment service server associated with the payment application.
The system of claim 21, wherein the payment application completes the payment process without requiring the recipient to login on a payment service server associated with the payment application.
The system of claim 21, wherein the payment application completes the payment process without requiring the sender to register an account of a payment service server associated with the payment application.
The system of claim 21, wherein the payment application completes the payment process without requiring the recipient to register an account in a payment service server associated with the payment application.
The system of claim 21, wherein the payment application enables the sender to input a note regarding the payment process based on one or more note suggestions.
The system of claim 21, wherein the payment application determines an order of the list of contacts based on one or more ranking factors.
The system of claim 32, wherein the payment application provides the list of contacts to the sender based on the order.
The system of claim 32, wherein the ranking factors includes at least one of the following: (1) whether a contact of the list of contacts has been previously associated with an existing service account associated with the payment application; (2) whether the contact of the list of contacts has involved in a previous transaction associated with the payment application; (3) whether the contact of the list of contacts has been associated with the payment application; (4) a relationship between the contact of the list of contacts and the sender; and (5) whether the contact of the list of contacts is within a proximity of the sender.