computer-implemented payment system, method for creating an electronic payment account, method for p

专利摘要:
  PAYMENT SYSTEM IMPLEMENTED BY COMPUTER, METHOD FOR CREATING AN ELECTRONIC PAYMENT ACCOUNT, METHOD FOR PROCESSING A TRANSACTION BETWEEN A SECONDARY PAYER AND A BENEFICIARY AND MEMORY FOR STORING DATA FOR ACCESS BY AN ACCOUNT SYSTEM IN A PAYMENT SYSTEMSystems and methods for primary and sponsored accounts are provided. A system can include an account processor to execute software instructions for creating and managing electronic payment accounts and an account database for storing account data from the account processor. The account processor can be configured to create a primary account and a sponsored account in the account database. The primary account can be associated with a primary account holder who has access to the primary account to add and remove funds. The sponsored account can be associated with either the primary account holder or a sponsored account holder, where the primary account holder has access to the sponsored account to transfer funds between the primary account and the sponsored account to add and remove funds from the sponsored account, and the sponsored account holder has access to the sponsored account to make transactions using funds from the sponsored account.
公开号:BR112012009786A2
申请号:R112012009786-5
申请日:2010-10-28
公开日:2020-09-01
发明作者:Jeffrey William Perlman
申请人:Visa International Service Association；
IPC主号:

专利说明:

"PAYMENT SYSTEM IMPLEMENTED BY COMPUTER, METHOD FOR CREATING AN ELECTRONIC PAYMENT ACCOUNT, METHOD FOR PROCESS A TRANSACTION BETWEEN A SECONDARY PAYER AND A
BENEFICIARY AND MEMORY FOR STORING DATA FOR ACCESS "" 5 BY AN ACCOUNT PROCESSOR IN AN ELECTRONIC PAYMENT SYSTEM "This disclosure generally relates to computer-implemented systems and methods for making electronic payments. 10 Background to the invention Electronic commerce, commonly known as electronic marketing b, e-commerce, or eCommerce, consists of the purchase and sale of products or services through electronic systems such as the Internet and other networks of 15. The amount of business conducted electronically has grown extraordinarily with widespread use of the Internet, commerce conducted in this way utilizes a complex mesh of innovations in electronic funds transfer, supply chain management, Internet marketing, online transaction processing, electronic data exchange (EDI), inventory management, automated data collection systems, and many other s. Modern e-commerce typically 25 uses the World Wide Web at least at some point in the transaction lifecycle, although it can cover a wider range of technologies such as e-mail as well.
4 A large percentage of e-commerce is conducted "· 30 entirely electronically for virtual items such as access to superior content on a website. Ü In addition, a lot of e-commerce involves transporting physical items in some way. Online retailers they are sometimes known as "e-taiíers" 35 [online retailers] and online retailing is sometimes known as "e-tail" [electronic store]. Almost all large retailers have e-commerce presence at hu 2 World Wide Web. As competition on the web continues to increase, providers of products, content, and services must * strive not only to produce the best products, content, and services, but they must also offer q b Intuitive and quick mechanisms to provide your products to interested consumers Minors and other users who do not have access to credit cards, electronic check accounts, 10 or other sources of finance External payments that can be accessed electronically to issue payments to other partners currently have no convenient way to purchase items for which e-commerce merchants require electronic payments. Such users are restricted by legal age requirements to access accounts, or they may be unable or poor.co willing to obtain credit accounts for numerous reasons. Although a second person can make purchases for such users, this solution is not ideal. It requires significant interaction by the second person, and also prevents users from having an unpredictable amount of autonomy. For example, a parent or employer may wish to provide funds for a child or employee and provide some autonomy for the child or employee, but the parent or employer also wants to exercise various levels of control over how much money is spent and from which merchants. They may also want to monitor purchases that have been made. r Summary of the invention "30 Sisterns and methods for primary and sponsored accounts are provided. A system may include a processor of
W accounts for executing software instructions for creating and managing electronic payment accounts and an account database for storing account data from the account processor. The account processor can be configured to create a primary account and a sponsored account in the account database. The primary account can be associated with a primary account holder who has access to the primary account to add and remove funds.
The sponsored account can be associated with both the primary account holder and a sponsored account holder, where the primary account holder has access to the sponsored account to transfer funds between the primary account and the sponsored account to add and remove funds from of the sponsored account, and the sponsored account holder has access to the sponsored account to make transactions using funds in the sponsored account.
A method for creating an electronic payment account may include the steps of: receiving an order from an account processor to create a new electronic payment account, the order including account profile information related to a depositor; and determine from the account profile information whether c) depositor has more than a predetermined minimum age to open a primary account.
If the depositor is above the predetermined minimum age, then a primary account can be opened for the depositor using the account profile information.
If the depositor is no more than the predetermined minimum age, then the account processor can: automatically direct the depositor to a graphical user interface to request a sponsored account; receive information identifying a sponsor via the graphical user interface; ask the sponsor for approval for the sponsored account; and upon receiving the sponsor's approval, create a sponsored account for the depositor and link the sponsored account to a primary account associated with the sponsor, with the sponsor being given access to the sponsored account to transfer funds from the primary account to the sponsored account and the depositor is given access to the sponsored account to make purchases using funds from the sponsored account.
The details of one or more configurations of the invention are recorded in the attached drawings and in the description below.
Other features, and advantages of the invention will become apparent from the description, the drawings, and the claims. 5 Brief description of the drawings Figure 1 represents a data flow diagram for exemplary participants in a micropayment transaction; Figure 2 represents a flow diagram for an exemplary process for processing a micropayment transaction; Figure 3 represents a flow diagram for an external consolidation process for a micropayment processing system; Figures 4A1, 4A2 and 4B represent a flow diagram for an exemplary micropayment purchase of a beneficiary website; Figure 5 shows a block diagram of an exemplary electronic payment system; Figure 6 shows a block diagram of a primary and sponsored external account system; Figure 7 shows an example flow chart representing a method for establishing a sponsored account; Figure 8 shows a second example flow chart representing a method for establishing a sponsored account; Figure 8A shows an example of a graphical user interface to provide information for opening a sponsored account; Figure 8B shows an example of a notification transmitted to an identified user to complete a sponsored account registration; Figure 9 shows an example graphical user interface for entering an e-mail address; Figure 10 shows an example graphical user interface for selecting to sign or create an account;
Figure 11 shows an example graphical user interface web page for a sponsored account; Figure 12 shows a portion of an example graphical user interface web page for a primary account; Figure 13 shows an example graphical user interface for a Sponsored Account Summary web page; Figure 14 shows a graphical user interface for displaying trusted Level 2 sellers associated with a sponsored account; Figure 15 shows an example of a graphical user interface for the Observation Details of the sponsored account web page; Figure 16 shows an example graphical user interface page to cover sponsored accounts; Figure 17 shows an example graphical user interface showing the confirmation message for the funds transferred; Figure 18 shows an example graphical user interface page for scheduling periodic coverage for sponsored accounts; Figure 19 illustrates an example graphical user interface for selecting which funding source to use for periodic coverage; Figures 20A and 20B show an example graphical user interface page for editing the periodic coverage; Figure 21 shows an example graphical user interface page for transferring money from sponsored accounts; Figure 22 shows an example notification explaining that the user has insufficient funds; Figure 23 shows an example graphical user interface page for closing a sponsored account; Figure 24 shows an example graphical user interface to confirm an account closure;
Figures 25A and 25B show an example graphical user interface for viewing the read-only information for a sponsored account and for reopening the account; , Figure 26 shows an example graphical user interface for closing the account from the account. sponsored; Figure 27 shows an example notification to the sponsor about c) closing the sponsored account; Figure 28 shows an example email notification 10 to the sponsor about closing the sponsored account; Figure 29 shows an example of a notification that a sponsored account has been reactivated; Figure 30 shows an example notification to the sponsored account holder that a sponsored account has been reactivated; Figures 31 to 47 illustrate another exemplary method and exemplary user interfaces for opening a sponsored account; and 20 Figure 48 illustrates exemplary hardware on which the various configurations of the sponsored account system can be practiced. Detailed description of the invention A payer is an entity that engages in a transfer of values, such as an individual or small business. The payer participates in a transaction with a beneficiary, usually buying a product or service from the beneficiary and / or exchanging items, services or amounts with the beneficiary.
N 30 A beneficiary is a second entity that engages in LlIna transfer of values. A beneficiary participates in a transaction with a payer, usually providing one. product or service to the payer in exchange for value and / or exchanging items, services, or other values with the payer. A transaction is a flow of value between entities, such as a payer and a beneficiary.
A micropayment transaction is a transaction in which the amount to be transferred is less than a limit value, such as, for example and without limitation, approximately five dollars. 5 Figure 1 represents a data flow diagram for exemplary participants in a micropayment transaction according to a configuration. As shown in Figure 1, the micropayment transaction processing system can include a payer 105, a payee 110, a micropayment processing server 115, an acquiring bank 120, an issuing bank 125, a paying bank 130, and an urri deposit access bank 135 to manage the fluctuation of values in the system. Exemplary communications between two parties are represented by the Lines in figure 1 and are described in more detail below with reference to figures 2 and 3. The communicating parties can communicate with each other via, for example, the Internet, and intranet and / or any another data network. Other methods of communication, such as a telephone, a PDA, a Blackberry, a game console, an interactive kiosk and the like can also be used within the scope of this disclosure. Figure 2 represents a flow diagram for an exemplary process for processing a micropayment according to a configuration. As shown in Figure 2, a payer 105 can buy from an online payee 110 and, for example, select 205 one or more products and / or services to purchase from the payee. If the transaction is a micropayment transaction, a list of selectable payment methods can include an icon for a micropayment processing system
115. Payer 105 can select the micropayment processing system 115. The payer can initiate c) processing the micropayment transaction by submitting 210 an identifier, such as, for example and without limitations, an email address, a "user ID", a phone number and / or any portion of the message.
In one configuration, a "cokkie" or other persistent data located on the device for accessing the payer's recle can relate to that identifier.
If payer 105 has already established an account with payment processing system 115, payer 105 can be directed to the system (or to a location on payee 110's website designed to receive information on behalf of the payment system) micropayment processing) to provide 215 a pass to authorize payment to the beneficiary.
Other authentication methods, such as, without limitation, biometric devices or cryptographic tokens, can be used to authenticate the payer to the micropayment processing system.
If the payer has not already established a current account c) micropayment processing system 115, payer 105 can be directed to a registry subsystem to initiate 220 an account opening routine.
At the end of the account opening routine or once the password is fed or the payer is otherwise authenticated to the micropayment processing system if an account has been previously established, a determination can be made as to whether sufficient is oreserite to complete the transaction.
If not, payer 105 can select a source of value from which funds are received 225 by the micro-payment processing system 115. In one configuration, funds can be received 225 from, for example and without limitation, credit card, card debit card, a direct debit from a bank account, for example, Automated Clearing House (ACH), direct deposit or similar, through the counter for an agent, and / or from a deposited amount.
The micropayment processing system 115 can transmit 230 the transaction information provided by the payer 105 to the acquiring bank 120. The acquiring bank 120 can facilitate an authorization procedure with a direct debit account or the card acquirer.
If payer 105 is G authorized, acquiring bank 120 can confirm 235 to 5 charge of value to the payment processing system.
. mi-cropagamento 115, which passes 240 the confirmation to the payer.
Otherwise, the micropayment process may end 245. In an alternative configuration, payer 105 may be provided with one or more additional 10 opportunities to provide correct authorization information for micropayment processing system 115. Once sufficient value is present to complete the transaction, the 15 115 micropayment processing system can transfer 250 funds from any payer account to any beneficiary account.
In one configuration, a payer account and a payee account can be attributes of the same account.
The micropayment processing system 115 can then notify 225 the payer 105 and the payee 110 that the transaction has been successfully completed.
Payer 105 can then be returned 260 to payee website 110. Figure 3 represents a flow diagram for an exemplary consolidation process for a micropayment processing system according to a configuration.
As shown in figure 3, the acquiring bank 120 can deposit 305 funds in an account operated by deposit access bank 135. The "deposit access bank 135 can manage the fluctuation (fluctuation occurs when an account in the system holds a + positive balance of funds) and reconcile 310 payments to the micropayment processing system 115. Deposit access bank 135 can consolidate 315 its 35 accounts with each beneficiary on, for example, a periodic basis.
For example, deposit access bank 135 can consolidate its account with each beneficiary in 31'i
[ B
5 on an hourly, daily, weekly or monthly basis. 10
Other consolidation periods may also be used within the scope of this disclosure.
Figures 4A and 4B represent a flow diagram for an exemplary micropayment transaction executed on a beneficiary's website according to a configuration.
As shown in figures 4A and 4B, a payer can access the beneficiary's website via a user interface, such as with a web browser.
The user interface can display an item or service for purchase by the payer with a message by offering the option to pay for the item using a micropayment processing system and a selectable micropayment icon if the item or service has a
15 value below a limit.
In one configuration, additional information can be displayed 402, such as a link to an information page describing the micropayment processing system.
In one configuration, the micropayment icon can be selected to initiate micropayment transaction processing.
Determinations can be made 404 as to whether the payer had previously registered with the micropayment processing system and whether the payee is a
25 Trusted Merchant.
In one configuration, a beneficiary may be required to undergo a qualification process to be considered a Trusted Merchant.
A payer may additionally be required to select a beneficiary from a
30 list of beneficiaries who have been qualified as Trusted Merchants for the beneficiary to be a Trusted Merchant for that payer.
In one configuration, a payer may elect to have a verification code or token stored as part of the payer's registered profile with a Trusted Merchant.
The payer can make this request when interfacing with the Trusted Merchant or the
The micropayment processing system (eg, via Internet Banking [Internet Banking] or an easy interface for the micropayment processing system independent of a transaction by the 5 Trusted Merchant). Upon receipt of a request
. the cardholder, the micropayment processing system can provide a verification code or token to the Trusted Merchant for storage as part of the registered payer's profile.
In a 10 configuration, the verification code or token can be generated in response to the payer's request such that it only checks transactions by the payer made at the specified Trusted Merchant, can be provided to the Trusted Merchant in a fully encrypted manner, and can only be decryptable by the micropayment processing system.
In a configuration, the token can allow session-based authentication.
In another configuration, the token can be used without session-specific authentication.
When the payer executes a transaction with the Trusted Merchant, the payee can submit a payment authorization request accompanied by the payer's verification code or token to the micropayment processing system.
The micropayment processing system can decrypt the verification code or otherwise verify a token upon receipt of the payment authorization request and provide an appropriate payment authorization response with all necessary data elements.
The payee's website can receive the payment authorization response and process the response as appropriate.
In one configuration, if the payer has previously registered, the Trusted Merchant can engage in a transaction with c) payer 35 registered without resubmitting identifying information to the parties, such as a password, an email address or the like.
If the payer has not previously registered, a registration screen can be displayed 406 requesting profile information from the payer. For example, the payer
B can provide a name, address, telephone number, and / or 5 sirnilars. Once the payer provides 408 as and requested information, a payment selection screen can then be displayed 410. The payment selection screen can allow the payer to select a payment type, such as with a Visa 10 credit card. RTM, the source details for the selected payment type and a charge amount. In one configuration, one or more selections for a load amount can be displayed via a drop down menu. The micropayment processing system can submit 412 to 15 cargo transactions to an external authorization service. If the transaction is not authorized, the micropayment processing system can then display the payment selection screen 410 again. In one configuration, if the cargo transaction fails a second time, the micropayment transaction may fail 414. If the cargo transaction is authorized, the micropayment processing system may display a load confirmation screen, which prompts, 416 for example, a password and selections and answers to, for example, three 25 security questions. In other examples, additional or alternative information may be requested from the user within the scope of the disclosure. In addition, an alternative number of security issues, other security verification methodologies and / or failures of 30 cargo transactions can also be included within the scope of this disclosure. If the payer successfully completes the registration process or if the payer is determined to be registered, but the payee is not a Trusted Merchant, at step 35 404, the micropayment processing system can display a purchase amount, a name 418 for the beneficiary and a description of the item to purchase. The system may additionally display 418, for example, a text entry c-amoo in which the payer is asked to input an identifier, such as an email address, and a password corresponding to the input identifier 5. A determination can then be made 420 as to whether the fed password matches the identifier. If not, the micropayment processing system may display 422 one or more security issues pre-selected by the payer during the c) 10 registration process. In a configuration, the displayed security issue can be selected randomly from the pre-selected security issues. The payer's response to the displayed security question can be compared 424 with the answer provided during registration. If an incorrect answer is provided, a denial message can be transmitted 426 to the beneficiary. The beneficiary's website can then display a message 428 requesting an alternative form of payment from the payer. If the correct answer 20 is provided, the user can reset and confirm the 430 password for the account and alternatively select new security questions and answers. The process can then return to step 418. If the fed password is determined 420 to match 25 to the identifier or if the payer is registered and the payee is a Trusted Merchant in step 404, one or more additional determinations can be made. For example, a determination can be made 432 as to whether the transaction amount falls within
The 30 account defined by the user. Such parameters may include, for example and without limitation, whether the beneficiary q has been approved and / or blocked, whether a full value limit is satisfied, whether a transaction meets the value limits for the beneficiary and / or whether the transaction satisfies 35 the time limits for the account. Other account parameters may be defined within the scope of this discussion on a basis, for example, by payer, by
[beneficiary and / or for 14 account.
In addition, for transactions made by payers other than the primary payer for an account, a determination can be made 434 as to whether the primary payer has permitted the transaction. 5 For example, a parent may set a limitation on transactions that a child performs using the account, such as the type, amount of dollars or similar for such transactions.
If any user-defined account parameters and / or primary payer parameters are not satisfied for a transaction, the beneficiary's website may display a 436 denial message to the payer and request that an alternative form of payment be selected. .
If all parameters are satisfied, a determination of the relationship between a transaction value and a limit can be made 438- For example, if the transaction value is greater than and / or equal to a predefined limit, a screen Payment can be displayed 440 to the payer.
The payment screen may include, for example and without limitation, one or more sources and default payment details, such as a masked account number, for each source.
The payer can select a source and the transaction can be submitted 442 for external authorization.
If the selected payment source 25 authorizes 444 the transaction, a screen can optionally be displayed 446 for the payer's listing, for example, the purchase amount, the name of the payee, a description of the products and / or services purchased and the like.
The payer can submit c) payment without providing 30 additional information.
If the transaction amount is less than and / or equal to a pre-defined threshold, a micropayment processing system can be selected to process the transaction.
The micropayment processing system 35 can detect 448 if sufficient funds remain in the payer's account.
If not, the micropayment processing system may display 450 a screen asking the r,
payer add additional funds to the account from a default payment account, such as a credit card, bank account, or similar.
In one configuration, the screen may show the default payment source 5 with masked information, such as the last four digits of a credit card number, bank account number, or the like.
In one configuration, the payer can provide an alternative payment source.
In a configuration, the amounts to be added to the 10-account can be presented in a curtain menu or similar method having pre-selected amounts.
In one configuration, the screen can include a text entry field in which the payer can specify a particular amount.
Once the payer specifies an amount to add to the account, the micropayment processing system can submit 452 the charge transaction for external authorization by the selected payment source.
If the selected payment source authorizes 444 the transaction, a screen can optionally be displayed 446 for the payer's listing, for example, the amount of the purchase, the name of the payee, a description of the products and / or services purchased and similar.
The payer can submit the payment without providing additional information. 25 If sufficient funds remain in the account (already added to the account, a transaction confirmation can be provided 454 to the beneficiary's website.
The beneficiary's website, upon receipt of confirmation from the 30 micropayment processing system, can display a 456 confirmation message to the payer and allow 458 access to products and / or services.
In a configuration, if the payer wants 460 to purchase additional products and / or services, c) the micropayment purchase process for such products 35 and / or additional services can skip to, for example, step 432. In a configuration, the process micropayment purchase order can skip to step 432 only if additional products and / or services are sought for sereni purchased during a single access session.
In one configuration, a payer may be asked to provide a password again if, for example, a payer does not make a purchase within a predefined period of time from a previous purchase, a payer has accessed a different website, or similar.
Alternatively, the micropayment purchase process can skip to step 432 if the beneficiary is uIr.
Trusted Merchant.
Figures 5-48 illustrate examples of systems and methods for providing sponsored accounts for a payment system implemented by a computer.
A sponsored account system can be used to provide users who are not qualified or are not willing to directly maintain electronic payment accounts as a way to purchase items with electronic payments.
Alternatively, a sponsored account system can be used for other purposes, such as gifts or gifts to other users, even those who are eligible for their own electronic payment accounts.
As another example, the sponsored account system can be used in other situations, such as employee-employer situations, where the primary account holder wants to have a measure of control over the sponsored group's purchases.
Figure 5 shows a block diagram of an exemplary 1000 transaction processing system. System 1000 can be a computer-implemented environment where one or more 1050 users can interact with one or more 1100 websites over a 1200 network. For example,
the user may wish to engage in a financial transaction with the website, may wish to receive access to restricted information or functionality available via the website, or may wish to engage in similar or related interactions with the websites.
To facilitate interactions with websites, the user establishes one or more primary and sponsored accounts in an 1160 account database with the 1150 account processor via the 1200 network. The user can establish one or more accounts with the processor 5 accounts before visiting the websites or you can be redirected from the website to the account processor for the purpose of establishing one or more accounts.
In several configurations described more fully below, one or more primary and sponsored accounts can be used to conduct a financial transaction with a website.
For example, one or more primary and sponsored accounts can be used to purchase products and / or services from the website.
In this configuration, the 1050 user can navigate to the 1100 website to initiate a financial transaction, such as purchasing products or services.
The primary account holder selects one of one or more external funding sources maintained with the 1050 account processor to be used as part of the financial transaction, and the primary account holder is then authenticated to the website via the account processor .
The sponsored account does not require any external funding sources to produce a purchase.
The one or more external financing sources can be prepaid accounts, stored value accounts, credit accounts, debit accounts, or the like.
In one configuration, prepaid accounts can be useful for conducting low-value transactions in a way that increases profitability for the seller.
In another configuration, the account can be a credit, debit or other account,
or a pseudonym for such an account that may be more appropriate for higher value transactions.
The sponsored account is financed by funds received from the primary account.
One or more accounts may alternatively be health care related accounts that allow the user to access health care related information on the website, conduct health care related transactions, or otherwise manage and / or acquire products and / or services related to health care.
In an additional configuration, one or more accounts may allow the user to access any type of information or restricted access functionality on the website and / or to engage in a transaction related to such restricted access. 10 The 1150 account processor may comprise one or more servers containing software operations or routines to create and maintain accounts for users; to allow users to conduct transactions with one or more websites; to allow users to initiate dispute processes with one or more websites and to automate dispute-related communications and dispute resolution; initiate and transmit alerts to users, websites, and / or system administrators based on predefined and / or customizable parameters; configure and apply fees to all transactions; and conduct reports that may be relevant to websites, the account processor and / or users.
In addition, the one or more account processor servers may additionally contain software operations or routines related to account administration (such as updating billing addresses, shipping addresses, user preferences, and the like); to allow users to authorize and manage recurring payments or pre-authorize payments; to allow users to pre-authorize (ie, whitelist) or prohibit (ie, blacklist) websites and / or transactions; and / or to allow users to manage accounts and conduct transactions using mobile electronic devices or any other electronic device such as game consoles interconnected to the Internet, a digital converter, or similar devices.
The account database 1160 can comprise one or more memory devices.
In certain examples, the account database 1160 can be comprised of a plurality of available memory devices.
In another example, the 1160 account database can include one or more memory devices that are included within the same one or more servers as the 1150 account processor. Figure 6 shows example data structures for sponsored accounts 1500, 1590 that are sponsored by a primary account 1400. A user having a primary account 1400, which is funded by an external funding source 2100, can sponsor one or more sponsored choritas 1500, 1590 for use by others, such as children, friends, relatives, employees, etc.
In one configuration, the primary 1400 and sponsored accounts 1500, 1590 system is hosted on a website, and account data 1410, 1430, 1450, 1530, 1550 is stored in account databases, such as a database associated with the website.
From the primary 1400 and sponsored accounts 1500, 1590 users are able to make purchases from the websites of merchants 2180, 2200, 2300. The opening and closing operations of the sponsored accounts are discussed here.
Figure 7 shows an example of a method for opening a sponsored account.
In figure 7, a computing device (eg, a website) receives (step 2310) a request from a primary account user to open a sponsored account.
The order can specifically identify the user of the second account and an address to contact the user of the second account, such as an e-mail address, a mobile phone number, an instant message identifier, etc.
Funds can then be transferred to the second account via the first account (step 2320). The computing device then transmits (step 2330) a message containing an activation code to the user of the second account.
When the computing device receives (step 2350) a request to activate the second account using the activation code, the computing device induces (step 2370) c) user to authenticate
W via an authentication broker (eg, a website). 5 If the user does not already have an account with the authentication broker, the user can establish one at this time. The method may also require you to enter some type of secret information known to both parties, such as c) the primary account holder's email address or mobile phone number 10 (step 2380). Once the user is authenticated by the authentication broker and the secret information has been successfully fed, c) computing device associates (step 2390) the second account with a credential provided by the authentication broker. Subsequently, the user of the second account can access the second account via authentication with the authentication broker. Funds can then be transferred to the second account via the first account (step 2410). 20 Figure 8 shows an expanded exemplary method for opening a sponsored account. A primary account user registers with the primary account (step 3010). For example, the primary account holder can register on a website using a user name and password combination. 25: The primary account holder then requests that a 'sponsored account be created, and provides information necessary to open the account (step 3030). For example, the primary account holder can feed the order through a website user interface, and provide "30 information to open the sponsored account for an identified user. The information may include name 0 and email address. of the identified user, a mobile phone number, an instant message identifier, etc., of the identified user The primary account holder can also write an optional message for the identified user to be sent with the notification. the system will check if the contact information of the identified user is already registered with the system (eg, for another sponsored account or for a primary account). In an example if the contact information is already registered, the holder the primary account will be notified and prompted to try to surrender the information again.
Figure 8A shows an example of a graphical user interface for implementing step 3030. The primary account user selects "Sponsored Accounts" from a navigation menu.
The user then selects "Add New Sponsored Account '" from a separate submenu.
A form is then displayed where the user enters an email address for the sponsored account user, feeds the email, feeds the sponsored account user's first and last name, feeds an optional "Message to sponsored accounts" , and then click on a "Send Invitation" button to initiate the sponsored account notification.
In the next step, a computer makes the information provided in the previous step and sends a notification to the user who was identified to receive the sponsored account (step 3050). For example, the notification can be an email, SMS, or other electronic communication.
The notification includes instructions and information, such as an activation code, to complete account registration.
A link to a website user interface to access the account that incorporates the activation code can be included in the notification.
The notification may also include instructions to deny the sponsored account offer, such as an i-'rn link to delete the account.
If the sponsored account offer is denied, then the primary account holder can resend the notification in the future.
The graphical user interface may present the option to resend it to the primary account holder at a later time.
Additionally, in an example, if the sponsored account is denied, any funds that have been transferred from the primary account to the sponsored account will be returned to the primary account and the primary account holder will receive an e-maij- notifying him that the account sponsored was denied.
In one example, the primary account holder has the option of transferring funds from the primary account to the new sponsored account (step 3070) as soon as the notification is sent, or as soon as it is received by the identified user.
C) primary account holder can also establish automatic funds transfers from the primary account to the sponsored account at certain intervals or dates in the future.
In another example, the sponsored account is not opened until the identified user follows the instructions to complete the sponsored account registration.
In this example, the primary account holder may be required to wait to perform the funds transfer until another time; for example, until the sponsored account holder has registered as discussed below.
The user identified to receive the sponsored account receives the notification sent at step 3050 (step 3100). Figure 8B shows an example of the notification received by the identified user, including a link to complete registration and a link to delete the sponsored account.
The identified user can then follow the instructions contained in the notification, such as clicking on an Iink provided for the website's user interface, to access the account electronically.
As a confirmation and security obstacle, the identified user may be required to enter verification information in the website's user interface that identifies the notification and / or the user who sent the notification (step 3120). The verification information can be an activation code and / or an email address.
Verification information, such as an activation code, can be contained in a link in the notification.
In one example, the activation code embedded in the link is based on a mixture of the email address and
Account ID of the primary account holder. A computer can automatically verify this activation code before allowing the registration process to continue. In another example, the primary account holder's email address 5 may be required to be fed by the user
T identified as an additional security obstacle to the verification code. This provides an additional degree of authentication by requiring the identified user to enter some information that is not included in the activation notification. If an unauthorized user has gained access to the invitation notification, he will not be able to complete registration without knowing the primary account holder's email address. Figure 9 shows an example graphical user interface for entering the appropriate e-rnail address. Then, the identified user can register with a user ID and password from an already established electronic account, or he can register for an account (step 3140). The account can be specific to the primary / sponsored account system or it can be a general internet account, such as an OPEN ID account. In one example, the website will check for a cookie from the general internet account, and if found, it will accept the registered session state, thus eliminating the need to register again. Figure 10 shows a graphical user interface to select to register or create an account. In another example, the verification page for step 3120 is displayed after the identified user has "30 registered (step 3140). Finally, the identified user can feed
For additional remaining details in a user profile (step 3160), such as creating a password to make purchases. The profile information includes a 35 e-mail address and name, which can be pre-populated from information fed by the primary account holder, but can be modified or confirmed by the identified user.
Terms and conditions can be submitted for acceptance at this stage.
Finally, the identified user finishes the P registration process by submitting all profile information; for example, 5 clicking on a Create Account button in a graphical interface
. user.
The identified user thus becomes c) holder of the sponsored account.
At this point the registration is complete and any funds transferred by the primary account holder are instantly available for use in transactions with corner merchants' websites by the sponsored account holder.
If or the identified user cancels the registration process before completing it, the identified user 15 can complete the registration at a later time, simply by following the instructions in the notification starting at step 3100, such as clicking again on the link in the e-rnail of invitation he received.
In one example, attempts to close or browse outside the registration website will result in a notification of how the registration process can be restarted if the user abandons it.
Returning to figure 6 and its representation of the system of primary and sponsored accounts, the financing and operation of sponsored accounts 1500, 1590, and of primary account 25 1400 will be discussed.
In one instance, primary account 1400 stores data on funding source 1410, such as information about a credit card account, a debit card account, a bank account, etc.
Sponsor uses "30 funding source 2100 as identified by funding source data 1410 to replenish the account ¶
primary 1400 when the balance 1430 of primary account 1400 is low or insufficient for a purchase.
In some configurations, a primary account 1400 user can directly use the external funding sources 2100 "identified by the funding source data 1410 to make purchases.
In one example, sponsored accounts are under the control of the primary account. The primary account holder (or sponsor) can use the primary account 1400 to manage the sponsored accounts 1500, 1590. Several 5 management tools are provided for the sponsor, including the ability to: view transaction data 1550 in the sponsored account 1500 , view the balance 1530 of the sponsored account 1500, extract funds from the sponsored corita 1500, schedule regular deposits for the sponsored account 1500, cover the account 1500 (ie make a deposit, or bring the balance 1530 from the sponsored account 1500 to a predetermined level), etc. In some instances, the system may block the sponsor from accessing certain information in the sponsored account 1400, such as transaction data 1550. This can occur, for example, when a set of predetermined criteria is met (eg, the sponsored account user’s age is over a limit, and / or the primary account holder agrees to the block, etc.). In one example, sponsored accounts 1500, 1590 can only have funds decreased through purchases or transfers initiated by the sponsor from the sponsored account 1500, 1590 to the primary account 1400. The sponsored accounts can only be used for transactions from the balance 1530, no transaction above the limit (i-sto é, transactions financed by a third party financial instrument) is allowed. That is, no external financing source 2100 can be used to make transactions. In contrast, a sponsored account holder does not have access to information stored in primary account 1400, such as balance 1430 and transaction data 1450, etc. In one example, there may be balance and other restrictions. For example, the total balances of the primary account
3.5 1400 and all sponsored accounts 1500, 1590 under that primary account 1400 are treated as a single balance for the purpose of risk-based maximum account balance restrictions and other legal and regulatory purposes.
A primary 1400 account is supplied with funds from 2100 financing sources such as check, 5 savings, or credit card accounts.
These financing options are accessible to the sponsor through a graphical user interface, for example, a "manage funds" web page that allows the sponsor to transfer or withdraw funds from the primary account 1400. In contrast, in an example , the sponsored account 1500 does not have the option to import additional funds from external accounts, but receives its funds uriically from the primary account 1400. In one example, the sponsored account 1500 cannot withdraw from balance 1530, as transfers to external accounts.
In one example, the sponsored account 1500 does not even have an option to link external accounts with the sponsored account 1500, such as via the "manage funds" web page that is available on the primary account.
Figure 11 shows a sample graphical user interface for sponsored account 1500. In this example, the account summary page shows a transaction history reflecting the stored transaction data 1550 for sponsored account 1500. Options are provided to adjust the transaction history date range, and select the type and status of the transaction.
An account balance is also displayed on this page, with added information regarding regular deposits or account coverage.
In the example in figure 11 a deposit of $ 20 will be made every Thursday.
Navigation menu items are also provided for "Express Vendors" (ie Trusted Level 2 vendors), and "Edit Profile". In the "Edit Profile" menu, the user can make changes to his profile information.
An example of profile information is the information that was fed at step 3160 of the registration process.
In one example, sponsor accounts cannot have their own sponsored accounts.
Figure 12 shows a portion of an example graphical user interface web page for primary account 5 1500. Under the menu item "Sponsored Account", the sponsor is presented with the names of the sponsored account holders, the status of the sponsored accounts. sponsored accounts 1500, 1590 (active, inactive, or closed), and the account balance for each 1530 account. The inactive account 1590 has not yet been activated by the registration procedure described above.
The total sponsored account balance is also displayed.
On this page, the sponsor can select any sponsored account name to view the specific sponsored account summary page.
Figure 13 shows an example graphical user interface for the Sponsored Account Summary page, which includes the transaction history formulated from the 1550 transaction data. The transaction history is identical to that presented to the sponsored account holder in the interface sponsored account user graphic.
The list of express seller relationships (described in more detail below) that exists for sponsored account 1500 is also available for viewing by the sponsor.
Figure 14 shows an example of a graphical user interface for displaying trusted level 2 vendors (eg, express vendors). The user can click View Details on the Sponsored Account Summary page to view the registration details for the Sponsored Account, which include all details except password and Security Issues.
These details are not editable by the sponsor.
Figure 15 shows an example of a graphical user interface for the View Details web page.
From the View Details page, the user can click "Go to Summary" to return to the Account Summary
Sponsored.
There is an option to close the account on both the "View Details" page and the Sponsored Account Summary page. 5 The user can click on "All Sponsored Accounts" on the Sponsored Account Summary page to return to the summary page under the "Sponsored Account" menu item shown in Figure 12. Consequently, all transactions, profiles, details, and sponsored account Express Seller lists are fully visible to the sponsor through the sponsor's primary account graphical user interface.
However, in a configuration, the sponsor cannot modify these items.
However, if a sponsored account holder changes the email under which a sponsored account is registered, with the successful verification of this e-rnail, the sponsor is notified of this change, just like via email.
Sponsored accounts 1500, 1590 may have account suspensions applied to them regardless of primary account 1400, such as, for failing to meet the terms of service, non-use of the account, etc.
However, any primary account suspension automatically applies to all sponsored accounts 1500, 1590 under primary account 1500. Returning to Figure 12, the graphical user interface shows menu options labeled "Cover" and "Regular Opening Coverage". These options are how sponsored accounts 1500, 1590 are financed if they are active or not yet activated.
Figure 16 shows an example user graphical interface page entitled "Cover my sponsored accounts", which is accessed by clicking on the "Coverage" menu item shown in figures 12 or 13. On this page the sponsor enters the amount to transfer to each of the one or more sponsored accounts 1500, 1590. The sponsor is able to see funds transfers
2 · 9 totals as well as the funds available in primary account 1400 before the transfer, and which will be available in primary account 1400 after the transfers. If the total b to be transferred exceeds the funds available in primary account 5 1400, an insufficient funds message is. the accounts are entered, inducing the sponsor to either reduce the amount to be transferred or cover the primary account 1400 from one of the external funding sources 2100 before proceeding. 10 The primary account holder can also enter an optional message for the sponsored account owner (s) to be displayed in the line item's "Description" field for coverage in the transaction history . To make the transfer, the primary account holder 15 enters a password and clicks the "Transfer Funds Now" it-under, resulting in a confirmation message on the Sponsored Account Summary page. Figure 17 shows a graphical user interface showing the confirmation message for the funds transferred. 20 In one example, funds are instantly available in the sponsored account in the "active" state 1500 and are instantly available with activation for the sponsored accounts in the "Not Activated" state '1590. If a sponsored account invitation "Not Activated" is declined 25 by the sponsored account holder, then any funds loaded are automatically returned to the primary account 1400. Figure 18 shows an example graphical user interface page titled "Regularly cover my" 30 sponsored accounts ", which is accessed by clicking on the item "Regular Opening Coverage" menu shown in the figure H
12. From this page, primary account holders select the desired frequency and date of deposits; for example, weekly and day of the week or 35 monthly and day of the month. The amount to transfer to each sponsored account 1500, 1590 is also selected on this page. As with the one-time coverage option, the primary account holder can also enter an optional message for the sponsored account holder (s) that will be displayed in the "Description" field in the .Õ line item for coverage in the transaction history. 5 An option is also provided for the account holder. primary to automatically cover your own account if sufficient funds are not available for automatic transfers to sponsored accounts on the day of the transfer. When this option is selected, the primary account holder is given the option to choose which funding source 2100 to use for periodic coverage. In one example, bank accounts are not in this selection because these funds need to be available immediately. In one example, the associated coverage 15 is a minimum amount, such as $ 20, the difference between the transfer amount and the account balance, whichever is greater. If automatic coverage for primary account 1400 fails, then automatic coverage for sponsored accounts 1500, 1590 will also fail, and both accounts will see relative coverage failures in their respective transaction histories. The primary account holder will see the failures. If the 2100 funding source that a sponsor uses 25 to cover the primary account is eliminated, the primary account holder will be induced to associate the sponsored account coverage with an alternative 2100 funding source. If no 2100 alternative funding source is selected or none are
G 3-0 available, then the coverage associated with automated sponsored account coverage will be eliminated. b As with one-time coverage, to confirm regularly scheduled transfers, the primary account holder enters a password and clicks on item 35 "Transfer Funds Now", resulting in a confirmation message to the Summary of Investments page. Primary Accounts. After being prepared, regular coverage is reflected in the primary account holder’s view of each sponsored account 1500, 1590 as well as the sponsored account holder’s primary account summary page (see figure 13). 5 Scheduled coverage for sponsored accounts can be edited by clicking on the "Edit regular coverage" link on the Sponsored Accounts account summary page (figure 13) or by clicking on the Regular Opening Coverage item in the left navigation menu under Sponsored Accounts (figure 12) . A page similar to figure 18 will be displayed, providing the same options, but with the quantities and options previously selected pre-filled in the editable form, as shown in figure 20, which shows an example graphical user interface page to edit periodic coverage. The sponsor can eliminate regular coverage for sponsored accounts by clicking on the "Delete this regular coverage" button. In this example, this option requires the password to be entered and will immediately cancel the default order. The sponsor can also make changes to the settings, which will also require entering the password before clicking the "record" button. Editing and saving the new settings will overwrite the pending order with the new order settings. After completing the above, the user will see a confirmation message. In one example, the sponsor can retrieve funds from one or more sponsored accounts 1500, 1590. To do this, the sponsor selects "Transfer Money from Sponsored Accounts" 'under the Sponsored Accounts menu, as shown in figure 12- The figure 21 shows a graphical user interface page for transferring money from sponsored i500 accounts,
1590. On the page shown in figure 21, the sponsor enters an amount to be transferred to c) balance 1530 in each sponsored account 1500, 1590, and funds available before and after the transfer are displayed. If the amount reported exceeds the sponsored account balance
1530, then an error message appears. As with deposits for sponsored accounts 1500, 1590, the sponsor can enter an optional message to
Q The sponsored account holder (s) that will be displayed in the line item's "Description" field for D funds transfer in the transaction history. To confirm the transfer, the sponsor enters the password and clicks on "Recover Funds Now". The funds are immediately removed from the sponsored account 1500, 1590 and 10 are added to the balance available in the primary account
1400. Sponsored account holders can make electronic purchases from Internet websites. In an example, sponsored accounts 1500, 1590 can only make 15 purchases if there is a sufficient balance 1530 in account 1500, 1590 for the purchase price. No external funding source 2100 is allowed for sponsored account 1500, 1590 to supplement the balance 1530 or to make intermediation transactions. In the situation where a sponsored account holder tries to make a purchase for which he does not have a sufficient balance 1530, a page, like the page shown in figure 22, will be displayed which will explain that the user has insufficient funds. This page will not provide any options for user 25 to complete the transaction because a sponsored account does not have any external funding source 2100. This page, however, provides options for links to return the sponsored account holder to the seller's website, c) .which will result in a message - "insufficient funds" to be 3'0 posted to the seller, or to the sponsored account tie page, eg the shown page Fig. 13. In one example, there are at at least three categories of internet websites 2180, 2200, 2300, which can be 35 as designated as standard (Confidence Level 0), express session (Confidence Level 1) and an express seller (Confidence Level 2). For a standard merchant
2180, the user may be required to enter a password for each transaction.
For a 2200 express session merchant the user can establish a trusted session with the 2200 merchant website, where a password is fed once, but does not need to be changed again once the session is active.
Although the trusted session is active, transactions without
keyboard can be made.
For a 2300 express merchant merchant the user can establish a trusted relationship with the merchant 2300 website, where a password is fed once, and then does not need to be fed again for multiple sessions.
Once the user is registered in a mercrite account with c) which an express seller has a relationship with, a password does not need to be fed in all to make a purchase from an express seller merchant website 2300, such as one purchase per transaction without a keyboard.
In one example, links to 2300 Express Merchant merchant websites are accessed through the sponsored account graphical user interface.
For example, see figure ll, which shows a "'Express Vendors'' menu tongue which when selected will display links to websites of merchant vendors" express 2300. Both primary 1400 and sponsored accounts 1500, 1590 can make purchases from standard merchant websites (confidence level 0), first and second levels 2180, 2200, 2300. The experience of the trader for 2300 express merchant vendor sites is identical to that for a primary account 1400, except that the sponsored account holder will be allowed to apply for express seller relationships without any external funding sources 2100 (as opposed to primary accounts, which may be required to have a source of funding).
In some implementations, restrictions can be set for any merchant.
In one example, the sponsor can specify any merchant - standard, express session and / or the express seller merchants 2180, 5 2200, 2300, from which the sponsored account can make purchases.
Alternatively, the sponsor can restrict the sponsored account from making purchases from certain standard, express, and / or express merchants 2180, 2200, 2300. The primary account title can also be provided with the option to limit the websites from merchants 2180, 2200, 2300 from which sponsored accounts 1500, 1590 can make purchases from merchant websites that have express seller status.
In one example, the sponsored account can be closed in three ways: by the sponsor, by closing the primary account 1400, and by the sponsored account holder.
In one example, the sponsor can also use the sponsor account 1400 to close one or more sponsored accounts 1500, 1590, and to reactivate the sponsored account 1500, 1590 after the sponsored account 1500, 1590 is closed. After the sponsored account 1500 is closed by sponsor account 1400, sponsored account user 1500 cannot make purchases using funds from sponsored account balance 1530. In an example, when sponsored account 1500, 1590 is closed all remaining funds in account 1500, 1590 are transferred back to primary account 1400. Returning to figure 13, which is the Sponsored Account summary page for the selected sponsored account 1500, the sponsor can click on the close account link to start the account.
This link takes you to a graphical user interface page, such as the one shown in figure 23 to close the account.
The sponsor can select to set the sponsored account 1500 to read status only.
Errone a read-only sponsored account 1500 after the sponsored account 1500 is closed by the primary account 1400, the sponsor and / or the sponsored account holder can still access certain information in the sponsored account 1500, such as transaction data 1550, for example a period of time, such as 120 5 days.
On the example page, the sponsor must select a "Reason for closing the account", which will provide useful feedback to the system provider regarding any technical or design flaws.
After reading the account closing rules / details, the sponsor can click on "Yes, please close this Sponsored account" or "No, do not close it". If the sponsor selects "Yes ..." and enters a password for authorization, then the next screen reinforms you about the account closing rules and prompts you to confirm or cancel.
Figure 24 shows a graphical user interface for confirming account closure.
After confirmation of account closure, the system will send an email to the sponsored account holder notifying him that the sponsor has closed the sponsored account 1500. In addition, the sponsor will also receive an email confirming that the account sponsored 1500 has been closed.
A sponsor's read-only access to a closed sponsored account 1500 also provides the sponsor with the option to reactivate the sponsored account or permanently close the sponsored account. see, for example, figure 25, which shows a graphical user interface to see only the read-only information on the sponsored account 1500 and to reactivate the account.
Reactivation in an example would reinstate sponsored account 1500 to activate status, provide an option to refinance sponsored account 1500, and have a notification email sent to the sponsored account holder.
Permanently closing the account will prevent any additional user access to the sponsored account 1500. If a sponsor closes the primary account 1400, then all sponsored accounts 1500, 1590 kept within the primary account 1400 will be automatically closed at the same time and all funds in ( s) sponsored account (s) 1500, 1590 will be returned to the primary account balance 1430. The primary account balance 1430 is distributed to the sponsor, for example, by a check. In one example, the sponsored account holder can also close the sponsored account 1500. In the example graphical user interface shown in figure 26, under the "Edit Profile" menu, c) sponsored account holder can
1.0 click on "Close Account" in the left navigation menu to start closing the account. In one example, when a sponsored account holder closes a sponsored account 1500, it is automatically switched to "Read only" status for a period of time, and the closed sponsored account can be accessed as described above. In one example, the same request for a reason to close the account, the submission of account closing rules / details, and the request for confirmation are submitted to the sponsored account holder as they were submitted to the sponsor as discussed above. In one example, with confirmation of the closing of the sponsored @ 1500 account, all recurring transfers are canceled and any funds remaining in the sponsored account 1500 are immediately transferred to the primary account 1400. The system notifies the sponsor and / or the account holder. sponsored account on the sponsored account closure. For example, the system can display a message on the sponsored account summary page and / or send an e-mail (see, for example, figures 27 and 28). In one example, the sponsor can permanently close sponsored account 1500 or reactivate sponsored account 1500 as described above. However, in one example, if the account is reactivated by the sponsor, the account opening process will begin again, or in another example, consent from the sponsored account holder will be required to activate the account. Another -
Alternative configuration allows the sponsor to reactivate the sponsored account 1500 immediately and without any consent from the sponsored account holder and presents a confirmation of this to the sponsor (see, eg 5, figure 29). In this case, the system sends a notification, such as an email to the sponsored account holder indicating that the sponsor has reactivated the account and confirming that the sponsored account holder can register with the previously used username and password (see, for example, figure 30). In one example, a sponsored account 1500, 1590 can be promoted to a new primary user account.
A sponsored account can be promoted for a number of reasons.
For example, when the sponsored account holder is a minor, the account can be promoted to a primary account when the minor reaches the age of majority.
The primary account holder can pre-authorize the promotion based on a certain date in the future, a date of birth of the sponsored account holder, or the primary account holder can authorize the promotion for immediate effect.
The system can then present the promoted account holder with options to apply and retain the external 2100 funding sources. In another example, the sponsor can close and delete the sponsored account before the sponsored account holder can start registering an account. Primary Account using the same identifier, such as an email address.
Figure 31 is a flow diagram illustrating another exemplary method 4000 for opening a sponsored account.
In step 4020, a request is made to register a new electronic payment account.
The new account request may include account profile information for the depositor, including information indicating the age of the depositor.
Once the new account request has been submitted, an age check is performed at the step
4040 to determine the age of the depositor.
If the depositor is of legal age (eg, 18 years old), then a standard account registration process continues at step 4060. If q depositor is not of legal age 5 (eg, under 18), then the method proceeds to step 4080. In step 4080, the under age depositor can submit an application for a sponsored account.
An example user interface (eg, web page) 10 To request a sponsored account is illustrated in figure 32. With the user interface shown in figure 32, the depositor can send an order to a potential sponsor (p eg a person over the age of 18 (such as a parent or guardian) to sponsor an account in your name.
As illustrated, the order can be initiated by entering the potential sponsor's name, email address and a free text message in the fields provided in the user interface and then clicking on a "continue" button. In addition, the depositor may be required to verify his email address before the sponsored account request is transmitted.
For example, a verification code can be sent by email to the depositor, and the depositor may be required to enter the verification code before the sponsored account order is processed, as shown in figure 33. After the depositor having been verified and the sponsored account request submitted, the depositor can be linked to an account summary web page, as illustrated in figure 34. After the sponsored account request has been transmitted, the potential sponsor can receive the order via email, as shown in figure 35. As illustrated, the email message to the potential sponsor may include the name of the person requesting the sponsorship, a message provided by the depositor, instructions and summary information about the payment service electronic.
The electronic message can also indicate a restriction preventing sponsorship by other sponsored accounts or by a seller account (beneficiary account, merchant account, etc.) K Referring again to figure 31, if a potential sponsor does not have one existing electronic payment account (step 4120), then he or she can be directed to a website to create a new account (step 4140), after which he can proceed with the sponsored account (step 4160). In step 4160, the potential sponsor 10 can accept or deny the request to sponsor an account. If the potential sponsor already has an electronic payment account, then when he signs into his account, a message may be provided to indicate that one or more sponsored account orders are pending, as shown in figure 36. In the example shown in the figure 36, the potential sponsor is also provided with a link to a sponsored account page, an example of which is illustrated in the figure
37. From the sponsored accounts page, the potential sponsor can select the name of the person requesting sponsorship to be linked to another page, as illustrated in figure 38, where he can see the message from the requester, details of profile registered by the applicant, and choose to accept or reject the sponsorship request. In addition, the potential sponsor may also be provided with links to request more information about sponsored accounts or the security features of a sponsored account. Returning to figure 31, with the acceptance of the '"30 sponsorship request (step 4160), the account is activated and the sponsor can transfer funds to the sponsored account in step 4200. An email can also be sent to the new sponsored account holder to confirm that the sponsorship request has been accepted An example notification that c) sponsorship has been accepted is illustrated in figure 39. Referring again to figure 31, if the account holder b 40
F reject sponsorship (step 4160), then a rejection notification is sent to the requester at step 4180. Referring to figure 38, the account holder can, for example, reject the order by selecting a radio button 5 "reject order ", select a reason for rejection from a 'curtain' list (e.g., I do not wish to sponsor this account; the person nominated for a sponsored account is not known to me; I am not the parent / guardian of the person named for the sponsored account), and then 10 enter your account password and select the "Authorize" button. Upon rejection, the requester can receive an email notification informing him of the rejected request and providing the registered reason, as illustrated in the example in figure 40. 15 At any time during the sponsored account application process, the prospective holder sponsored account may be able to register in your pending account, for example to check the status of a pending order, to delete the pending account, to submit a new sponsorship request, or to do an electronic search with the account service. electronic payment. When the requester registers with his pending account, a message can be provided to show the status of the pending order, as illustrated in the example in figure 41. 25 To delete a pending account, the user can be provided with an option to click on a "delete my account" link, as shown in figure 41, to direct the user to another page to close the pending account, as shown in the example in figure 42. In the example shown in figure 42, the user is directed to enter with your account password and then click on a "yes, close it" button to close the pending account. After closing the account, the user can, for example, be directed to a new web page that confirms that the account has been closed 35, as illustrated in the example shown in figure 43. To submit a new sponsor order (shown in figure 31 through the dotted line connecting steps 4180 and 4080), the user can, for example, select urrt Iink "send request for new sponsor" on his account summary page.
Requesting a new sponsor can, for example, direct the requester to a new sponsor order page, as illustrated in the example shown in Figure 44. Here, for example, the user can enter a name for the new potential sponsor, e-mail address and a message, then enter a password and click the "Send 10 Request" button. If c) depositor already has a pending application that has not yet been accepted or rejected, then these fields can be pre-populated with the details of the pending application, which can be resent or overwritten with a new application. 15 In one example, if a depositor makes more than three sponsorship requests within a defined period of time (eg, 24 hours), then the account may be temporarily suspended.
For example, the user may receive a message as illustrated in figure 45 20 indicating that no new sponsorship requests can be submitted at the present time.
Although the account is suspended, the "send new sponsor request" link may be hidden from the user and other functionality of the pending sponsored account may be disabled.
Although a sponsored account request is pending, certain account functions, such as the ability to complete a transaction, are not enabled.
If the user attempts to conduct a transaction before account 30 has been enabled, an error message can be generated, as illustrated in the example shown in figure 46. The pending sponsored account can also provide c) a user with the ability to enter a search for the electronic payment service, as illustrated in the example shown in figure 47. Although the account is pending, istcj may, for example, be limited to general or feedback surveys and the ability to see pending and closed surveys. Fig. 48 illustrates exemplary hardware 5010 on which the various configurations of the sponsored account system 0 can be practiced. The hardware described in figure 48 is exemplary hardware for the user site (1050) of e 'figure 5. Hardware 5010 can be a personal computer system comprised of a 5012 computer having the 5014 keyboard, 5016 mouse as input devices. , and 5018 microphone. Output devices such as the 5020 monitor and 5022 speakers can also be provided. The lawmaker will recognize that other types of input and output devices can be provided and that the present invention is not limited by the particular hardware configuration. Residing within the computer 5012 is a main processor 5024 which is comprised of a host central processing unit 5026 (CPU). 5027 software applications, such as the method of the present invention, can be loaded from, for example, 20 q disk 5028 (or other device), into main memory 5029 from which the 5027 software application can be run on Host CPU 5026. Main processor 5024 operates in conjunction with a memory subsystem 5030. The memory subsystem 5030 is comprised of 25 main memory 502o, which can be comprised of a number of memory components, and a memory and bus controller 5320 that operates to control access to main memory 5029. Main memory 5029 and controller 5032 may be communicating with a
P 30 5034 graphics system over a 5036 bus. Other buses may exist, such as a bus
W PCI 5037, which interfaces. with I / O devices or storage devices, such as the 5028 disk or a CD-ROM, or to provide access to the network. 35 Configurations of the subject matter and the functional operations described in this specification may be implemented in digital electronic circuitry, or in software, firmware, or computer hardware, including the structures disclosed in this specification and their structural equivalents, or in combinations of one or more of them.
The configurations of the subject in question 5 described in this specification can be implemented as one or more computer program products, that is, one or more modules of computer program instructions encoded in a medium read by computer for execution by, or to control the operation of, data processing apparatus.
The computer-readable medium can be a machine-readable storage device, a machine-readable storage substrate, a memory device, a composition of matter affecting a machine-propagated signal, or a combination of one or more of them.
The term "data processing apparatus" encompasses all apparatus, devices, and machines for processing data, including, for example, a programmable processor, a computer, or multiple processors or computers.
The device may include, in addition to hardware, code that creates an execution environment for the computer program in question, eg, code that constitutes processor firmware, a protocol stack, a database management system , an operating system, or a combination of one or more of them.
A propagated sirial is an artificially generated signal, eg, an electrical, optimal, or electromagnetic signal generated by a machine, which is generated to encode information for transmission to a suitable receiving device.
A computer program (also known as a program, software, software application, script, or code), can be written in any form of programming language, including compiled or interpreted languages, and can be installed in any form, including a standalone program or as a module, component, subroutine, or other unit suitable for use in a computing environment.
A computer program does not necessarily correspond to a file on a file system.
A program can be stored in a portion of a file that holds other programs or 5 data (eg, one or more scripts stored in a markup language document), in one. single file dedicated to the program in question, or in multiple coordinated files (eg files that store one or more modules, subprograms, or portions of code). A computer program can be installed to run on one computer or on multiple computers that are located at one site or distributed across multiple sites and interconnected over a communication network. The process and logic flows described in this specification can be executed by one or more programmable processors running one or more computer programs to perform functions operating on input data and generating output.
Process flows and logic can also be performed by, and apparatus can also be implemented as, special purpose logic circuitry, eg, an FPGA (intelligent gate arrangement programmable in the field) or a ASIC (application specific integrated circuit). Suitable processors for running a computer program include, for example, both general and special purpose microprocessors, and any one or more processors of any kind of digital computer.
Generally, a processor will receive instructions and data from a read-only memory or a random access memory or both.
The essential elements of a computer are a processor to execute instructions and one or more memory devices to store instructions and data.
Generally, a computer will also include, or be operatively coupled to receive data from or transfer data to, or both, one or more mass storage devices for storing data, eg, magnetic disks, magnetic-optical disks, or optical. However, a computer does not need to have such
V devices. In addition, a computer can be embedded in another device, eg a mobile computer, a personal digital assistant (PDA), a mobile audio player, a Global Positioning System (GPS) receiver, just to name a few. The computer-readable media suitable for storing instructions and data from the computer program includes all forms of non-volatile memory, media, and memory devices, including for example semiconductor memory devices, eg, EPROM, EEPROM, and flash memory devices; magnetic disks, eg, internal hard disks or removable disks; magnetic-optical disks; and CD-ROM and DVD-ROM discs. The processor and memory can be supplemented by, or incorporated into, special purpose logic circuitry. 20 To provide interaction with a user, the subject settings in the question described in this specification can be implemented on a computer having a display device, eg, a CRT (cathode ray tube) LCD monitor. (liquid crystal display), to display information for the user and a keypad and a device for pointing, eg a mouse or tracking sphere, through which the user can provide inputs to the computer. Other kinds of devices can be used to provide interaction with a user as well; '30 for example, feedback provided to the user can be any form of sensory feedback, eg visual feedback, auditory feedback, or feedback tactile, and input from the user can be received in any form, including acoustic, speech, or tactile input.35 The subject configurations described in this specification can be implemented in a computing system that includes a supposition component rte, eg
as a data server, or that includes an intermediate hardware component, eg, an application server, or that includes an advanced component, eg, a client computer with a graphical user interface 5 or a web browser that a user can interact with an implementation of the subject matter described in this specification, or any combination of one or more of such supporting components, intermediate, or advanced hardware. System components can be interconnected by any form or means of "digital" data communication, eg, a communication network. Examples of communication networks include a local area network ("LAN") and an area network ("WAN"), eg the Internet. The computer system can include clients and servers. A client and server are usually remote from each other and typically interact through a communication network. The client-server relationship arises because of computer programs running on the respective computers and having a client-server relationship with each other. 'Although this specification contains many specifics, these should not be interpreted as, l, imitations of the scope of the invention or of what may be r, claimed, but instead as descriptions of specific features for particular configurations of the invention Certain features that are described in this specification in context or in configuration Separate sections can also be implemented in combination in a single configuration. Conversely, several features that are described in the context of a single configuration can also be implemented in multiple configurations separately or in any suitable sub-combination. Furthermore, although
3.5 characteristics may be described above as acting in certain combinations and even initially claimed as such, one or more characteristics of a claimed combination may in some cases be removed from the combination, and the claimed combination may be directed to a subcombination or variation of a subcombination.
W Similarly, although operations are represented in the 5 drawings in a particular order, it should not be understood as requiring that such operations be performed in the particular order shown or in sequential order, or that all illustrated operations be performed, to achieve desirable results. In 10 circumstances, multitasking and parallel processing can be advantageous. In addition, the separation of various system components in the configurations described above should not be understood as requiring such separation in all configurations, and it should be understood that the components of programs and systems can generally be integrated together into a single software product. or packaged in multiple software products. Therefore, particular configurations of the invention have been described. Other configurations are within the scope of the claims. For example, the actions cited in the claims can be performed in a different order and still achieve desirable results.

权利要求:
Claims (17)
[1]
1. Payment system implemented by computer, characterized by the fact that it comprises: - an account processor to execute instructions for software to create and manage electronic payment accounts; sií - an account database to store account data from the account processor; - the account processor being configured to create a primary account and a sponsored account in the account database; - the primary account being associated with a primary account holder, the primary account holder having access - to the primary account to add and remove funds; and 15 - the sponsored account being associated with both the primary account holder and a sponsored account holder, the primary account holder having access to the sponsored account to transfer funds between the primary account and the sponsored account to add and remove 20 funds from the sponsored account, the sponsored account holder having access to the sponsored account to make transactions using sponsored account funds.
[2]
2. Payment system implemented by computer, according to claim 1, characterized by the fact that the sponsored account holder's access to the sponsored account is limited to transactions that have been pre- ..-. ¥ authorized. .k
[3]
3. Payment system implemented by computer, in accordance with claim 2, characterized by the fact that 30 pre-authorized transactions include purchases from goods websites that have been approved by the primary account holder-
[4]
4. Payment system implemented by computer, according to claim 2, characterized by the fact that 35 pre-authorized transactions include only purchases of categories of goods that have been approved by the primary account holder. .
[5]
5. Payment system implemented by computer, according to claim 2, characterized by the fact that pre-authorized transactions only include purchases for quantities within an approved pre-5 spending limit defined by the primary account holder. The
[6]
6. Payment system implemented by computer, according to claim 2, characterized by the fact that "u pre-authorized transactions include only purchases from websites of goods that have been certified by the payment system implemented by computer.
[7]
7. Computer-implemented payment system, according to claim 1, characterized by the fact that the primary account is financed from one or more 15 external sources of financing and the sponsored account is financed solely from the primary account.
[8]
8. Payment system implemented by computer, according to claim 1, characterized by the fact that the account manager and the account database 20 are included within one or more servers.
[9]
9. Payment system implemented by computer, according to claim 1, characterized by the fact that the primary account and the sponsored account are both authenticated by an authentication broker. 25
[10]
10. Payment system implemented by computer, according to claim 1, characterized by the fact that the primary account is configured by the primary account holder to automatically transfer funds to the sponsored account at predetermined intervals. 30
[11]
11. Method for creating an electronic payment account, characterized by the fact that it comprises: - receiving in an account processor an order to create a new electronic payment account, the order including account profile information related to a depositor; - determine from the account profile information whether the depositor is above a pre-defined minimum age
determined to open a primary account; - if the depositor is above the predetermined minimum age, then open a primary account for the depositor using the account profile information; and 5 - if the depositor is not above the pre-determined minimum age, then: l - automatically direct the depositor to a graphical user interface to request a sponsored account; 10 - receive from the depositor via a graphical user interface information identifying a sponsor; - request approval for the sponsored account from the sponsor; and - upon receipt of the sponsor's approval, the account processor creates a sponsored account for the depositor and links the sponsored account to a primary account associated with the sponsor, with the sponsor being given access to the sponsored account to transfer funds from the sponsor. primary account for sponsored account 20 and the depositor is given access to the sponsored account to make purchases using funds in the sponsored account.
[12]
12. Method, according to claim 11, characterized by the fact that it additionally comprises: 25 - determining whether the sponsor has an existing primary account; and b% - with the determination that the sponsor does not have a
F existing primary account, direct depositor to a graphical user interface to create a primary account.
[13]
13. Method, according to claim 11, characterized by the fact that the depositor's access to the sponsored account is limited to transactions that have been pre-authorized. 35
[14]
14. Method, according to claim 13, characterized by the fact that pre-authorized transactions include only purchases from websites of goods that have been approved by the sponsor.
[15]
15. Method, according to claim 13, characterized by the fact that pre-authorized transactions include only purchases from categories of 5 goods that have been approved by the sponsor. ^
[16]
16. Method, according to claim 13, characterized by the fact that pre-authorized transactions g include only purchases for quantities within a pre-approved spending limit defined by the sponsor.
10 17. Method, according to claim 11, characterized by the fact that it additionally comprises authenticating the identity of the depositor before creating the sponsored account.
18. Method for processing a transaction between a secondary payer 15 and a payee, characterized by the fact that it comprises: - receiving a request for access to an item and a secondary payer identifier from the payee; 20 .- request and verify the identity of the secondary payer; - access a database to determine if the secondary payer has an account that is associated with a primary payer; 25 - based on a determination that the secondary payer has an account that is associated with a primary payer, .. access the database to determine if the application stops'! ± item access is a transaction that is permitted by the primary payer; 30 - based on a determination that the request for access to the item is a transaction that is permitted by the primary payer, access the database to determine whether the account contains a fund greater than or equal to a value required to access the item; and 35 - based on a determination that the account contains a fund greater than or equal to the required amount, allowing access to the item by the secondary payer.
W: ' ¥ ¢
19. Method, according to claim 18, characterized in that the secondary payer is a relative or guardian and the secondary payer is a child.
20. Method according to claim 18, 5 characterized by the fact that the primary payer is an employer and the secondary payer is an employee.
21. The method of claim 18,
Y characterized by the fact that the permitted transactions are defined by the primary payer to limit a type of transaction that can be performed by the secondary payer.
22. Method according to claim 18, characterized in that the permitted transactions are defined by the primary payer to limit a dollar amount for transactions that can be performed by the secondary payer.
23. Method, according to claim 18, characterized in that the account is a sponsored account associated with both the primary and secondary payers, and the sponsored account is financed from a primary account associated with the primary payer .
24. Memory to store data for access by an account processor in an electronic payment system, characterized by the fact that it comprises: 25 - a primary account data structure stored in memory and including information residing in a bank of · e, banco · Account data used by the account processor, the account
È primary including data that links the primary account to 'with a primary account holder to provide the primary account holder with access to the primary account to add and re-fund funds; and - a sponsored account data structure stored in memory and including information residing in the account database used by the account processor, the sponsored account including data that associates the sponsored account with both the primary account holder and an account holder. sponsored account, the data structure of
gí
F
And sponsored account providing the primary account holder with access to the sponsored account to transfer funds between the primary account and the sponsored account to add and remove funds from the sponsored account, and the sponsored account data structure providing the .¶1 " sponsored account holder sponsored account access: T to make transactions using funds in the sponsored account.
25. Memory, according to claim 24, characterized by the fact that the sponsored account data structure 10 limits the sponsored account holder access to the sponsored account to transactions that have been pre-authorized by the primary account holder.
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TRANSACTION
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RECEIVE AN ORDER FROM A USER
FROM A FIRST ACCOUNT TO OPEN
A SECOND SPONSORED ACCOUNT
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TRANSFER PAF FUNDS
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THE FIRST ACCOUNT 1 330
TRANSMIT A MESSAGE CONTAINING AN ATTENTION CODE TO A USER
IDENTIFIED BY ORDER 2350
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AA AN AUTHENTICATION BROKER j r 2380 | ENTER INF. sEcRETAd FlG.7 2390
ASSOCIATE THE SECOND ACCOUNT WITH
CREDENTIAL PROVIDED BY
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Express Sellers k Express Seller links have already been established with the following sellers: & i Adventureworks Music FlG.14 Sponsored Accounts Josh Perlman (Active) Add Sponsored Account - -. .
lr to Contents Close Conia Cover Open Coverage Profile Details Regular Transfer Money Preferred email address: J05h% erl | nQn.c0M from Sponsored Accounts First name: Josh Last name: Perlínan Date of birth:) 0/08 / l994 Address line 1:] 23 Address line 2: Suburb: qwer State: ACT Postal address code:] 234 Country: AUstrQliQ Your gender: Mobile number: FIG.15 li
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同族专利:

---

公开号 | 公开日

---

CN102667837A|2012-09-12|

---

US20100223184A1|2010-09-02|

---

RU2579979C2|2016-04-10|

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AU2016202922A1|2016-05-26|

---

WO2011053718A1|2011-05-05|

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RU2012116912A|2013-12-10|

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法律状态:
2020-09-08| B06U| Preliminary requirement: requests with searches performed by other patent offices: procedure suspended [chapter 6.21 patent gazette]|

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2020-12-22| B11B| Dismissal acc. art. 36, par 1 of ipl - no reply within 90 days to fullfil the necessary requirements|

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2021-11-23| B350| Update of information on the portal [chapter 15.35 patent gazette]|

优先权:

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申请号 | 申请日 | 专利标题

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US25613609P| true| 2009-10-29|2009-10-29|

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US61/256,136|2009-10-29|

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