公开(公告)号：US09342831B1

公开(公告)日：2016-05-17

申请号：US14572275

申请日：2014-12-16

Applicant: Facebook, Inc.

Inventor： Stephen Moore Davis ,  Michelle Vautier Chernyavsky ,  Vipan Reddy Raja Nalla

IPC: G06Q40/00 ,  G06Q20/38 ,  G06Q20/26

CPC classification number: G06Q20/26 ,  G06Q20/10 ,  G06Q20/40

Abstract: The present disclosure relates to systems, methods, and devices for sending and receiving payments using an integrated payment and messaging system. In particular, the integrated payment and messaging system allows users to send and receive electronic payments as well as exchange messages. For example, one or more implementations involve facilitating same day push-to-debit payment transactions between a user and a co-user. To illustrate, one or more implementations involve sending a push-to-debit request to credit funds for the payment amount of the payment transaction to a debit card of a co-user, the push-to-debit request being formatted for same day processing.

Abstract translation: 本公开涉及使用综合支付和消息系统发送和接收支付的系统，方法和设备。 特别地，集成的支付和消息系统允许用户发送和接收电子支付以及交换消息。 例如，一个或多个实现涉及促进用户和共同用户之间的同一天按揭付款交易。 为了说明，一个或多个实施方案涉及向支付交易的支付金额的信贷资金发送推到借方请求给共同用户的借记卡，该按揭借记请求被格式化为同一日处理 。

公开(公告)号：US20160117665A1

公开(公告)日：2016-04-28

申请号：US14524870

申请日：2014-10-27

Applicant: Facebook, Inc.

Inventor： Stephen Moore Davis

IPC: G06Q20/22

CPC classification number: G06Q20/223

Abstract: The present disclosure relates to systems, methods, and devices for sending and receiving payments using an integrated payment and messaging system. In particular, the integrated payment and messaging system allows users to send and receive electronic payments as well as exchange messages. Additional implementations involve facilitating payment transaction by inferring payment events. Still further implementations involve facilitating payment transactions between groups of users. In addition to the foregoing, one or more implementations allow a user to initiate payment transactions without first providing a payment credential.

Abstract translation: 本公开涉及使用综合支付和消息系统发送和接收支付的系统，方法和设备。 特别地，集成的支付和消息系统允许用户发送和接收电子支付以及交换消息。 额外的实现涉及通过推断支付事件促进支付交易。 进一步的实现涉及促进用户组之间的支付交易。 除了上述之外，一个或多个实现允许用户在不首先提供支付凭证的情况下发起支付交易。

公开(公告)号：US20160104133A1

公开(公告)日：2016-04-14

申请号：US14509875

申请日：2014-10-08

Applicant: Facebook, Inc.

Inventor： Stephen Moore Davis ,  Pierpaolo Abbatiello ,  Lauren Beth Tucker

IPC: G06Q20/10 ,  G06Q50/00 ,  G06Q20/40

CPC classification number: G06Q20/10 ,  G06Q20/4016 ,  G06Q50/01

Abstract: One or more embodiments described herein include methods and systems for remitting funds via a social networking system. More specifically, systems and methods described herein provide users the ability to remit funds to co-users utilizing social network profiles and notifications. Additionally, systems and methods described herein determine one or more risk levels for a remittance request based on a variety of social network factors.

Abstract translation: 本文描述的一个或多个实施例包括用于经由社交网络系统汇款的方法和系统。 更具体地，本文描述的系统和方法使用户能够利用社交网络简档和通知将资金汇给共同用户。 另外，本文描述的系统和方法基于各种社交网络因素确定用于汇款请求的一个或多个风险级别。