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公开(公告)号：US10127544B2
公开(公告)日：2018-11-13
申请号：US14572495
申请日：2014-12-16
Applicant: Facebook, Inc.
Inventor： Roy Vance McElmurry , Martin Kralik , Jonathan B. Gheller , Alex Chao Qin , Kevin Patrick Hurley , Reinardus Surya Pradhitya , Dipanshu Agrawal , Shengling Hu , Chirag Chhagan Chheda , Yegnashankar Parasuram
Abstract: The present disclosure relates to systems, methods, and devices that provide a transactional payment system. In particular, the transactional payment system allows users of a messaging system to send and receive electronic payments to and from other users of the messaging system. A messaging application on a client device can receive payment information input (such as a payment amount and payment method) from a sender for making a payment to a recipient. The messaging application can send a payment message including the payment information to a messaging system, and the messaging system coordinates a payment process based on the payment information. During the payment process, the messaging system can provide status updates to the sender and receiver of the payment via status messages that are included in a message thread corresponding to the sender and the recipient.
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公开(公告)号：US10796295B2
公开(公告)日：2020-10-06
申请号：US15389108
申请日：2016-12-22
Applicant: Facebook, Inc.
Inventor： Anand Subbarayan , Yegnashankar Parasuram , Shuo Song , Akshay Mittal , Xishuo Liu
Abstract: The disclosure relates to systems, methods, and devices for processing payment transactions between a user and a merchant using a messaging bot. In particular, a commerce system allows the user to initiate a communications session with a messaging bot associated with the merchant using natural language. One or more embodiments use natural language processing to analyze messages from the user to the messaging bot, and from the messaging bot to the user, to identify a product and a request to purchase the identified product. Based on the identified product and the request to purchase the product, one or more embodiments initiate a payment transaction on behalf of the user based on a natural language conversation and without redirecting the user away from the communications session. Additionally, one or more implementations provide a payment initiation message from the messaging bot to the user indicating that the payment transaction was initiated.
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公开(公告)号：US20190087811A1
公开(公告)日：2019-03-21
申请号：US16189928
申请日：2018-11-13
Applicant: Facebook, Inc.
Inventor： Roy Vance McElmurry , Jonathan B. Gheller , Alex Chao Qin , Kevin Patrick Hurley , Reinardus Surya Pradhitya , Dipanshu Agrawal , Shengling Hu , Chirag Chhagan Chheda , Yegnashankar Parasuram , Martin Kralik
Abstract: The present disclosure relates to systems, methods, and devices that provide a transactional payment system. In particular, the transactional payment system allows users of a messaging system to send and receive electronic payments to and from other users of the messaging system. A messaging application on a client device can receive payment information input (such as a payment amount and payment method) from a sender for making a payment to a recipient. The messaging application can send a payment message including the payment information to a messaging system, and the messaging system coordinates a payment process based on the payment information. During the payment process, the messaging system can provide status updates to the sender and receiver of the payment via status messages that are included in a message thread corresponding to the sender and the recipient.
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公开(公告)号：US20150286997A1
公开(公告)日：2015-10-08
申请号：US14243745
申请日：2014-04-02
Applicant: Facebook, Inc.
Inventor： Max Zimmerman , Waseem Ahmad , Yegnashankar Parasuram , Alexandre Couturon
CPC classification number: G06Q20/10 , G06Q20/023 , G06Q20/027 , G06Q50/01
Abstract: Methods and systems for processing payments using payment aggregators are provided. In particular, one or more embodiments comprise an e-commerce payment facilitator that acts as an intermediary between a commerce application and a plurality of payment aggregators. This allows the e-commerce payment facilitator to provide a user with payment methods supported by the plurality of payment aggregators. Furthermore, one or more embodiments enable the e-commerce payment facilitator to route transactions to payment aggregators based on various factors, such as availability, reliability, and profitability. In addition, one or more embodiments provide e-commerce payment facilitators with greater control over the processing of transactions by allowing for the routing and distribution of transactions across multiple payment aggregators.
Abstract translation: 提供了使用支付汇总程序处理付款的方法和系统。 具体地，一个或多个实施例包括充当商务应用程序和多个支付汇总器之间的中介的电子商务支付促成者。 这允许电子商务支付促进者向用户提供由多个支付汇总器支持的支付方法。 此外，一个或多个实施例使得电子商务支付促进者能够基于各种因素（诸如可用性，可靠性和盈利能力）将交易路由到支付汇总器。 此外，一个或多个实施例通过允许多个支付汇总器之间的交易的路由和分配来为交易的处理提供更大控制的电子商务支付促进者。
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公开(公告)号：US20210103912A1
公开(公告)日：2021-04-08
申请号：US17080789
申请日：2020-10-26
Applicant: Facebook, Inc.
Inventor： Roy Vance McElmurry , Jonathan B. Gheller , Alex Chao Qin , Kevin Patrick Hurley , Reinardus Surya Pradhitya , Dipanshu Agrawal , Shengling Hu , Chirag Chhagan Chheda , Yegnashankar Parasuram , Martin Kralik
Abstract: The present disclosure relates to systems, methods, and devices that provide a transactional payment system. In particular, the transactional payment system allows users of a messaging system to send and receive electronic payments to and from other users of the messaging system. A messaging application on a client device can receive payment information input (such as a payment amount and payment method) from a sender for making a payment to a recipient. The messaging application can send a payment message including the payment information to a messaging system, and the messaging system coordinates a payment process based on the payment information. During the payment process, the messaging system can provide status updates to the sender and receiver of the payment via status messages that are included in a message thread corresponding to the sender and the recipient.
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Patent Agency Ranking
公开(公告)号：US20190147515A1
公开(公告)日：2019-05-16
申请号：US15809949
申请日：2017-11-10
Applicant: Facebook, Inc.
Abstract: Methods, systems, and computer readable storage media are disclosed for facilitating a payment transaction between a user and a merchant. In particular, one or more embodiments call a third-party tokenization system in response to a request to initiate the payment transaction to obtain a payment token representing a payment authorization number. Additionally, one or more embodiments wrap the payment token within a transaction token to send to a merchant system associated with the merchant. One or more embodiments receive the transaction token in connection with a request to process the payment transaction and then extract the payment token based on receiving the transaction token. One or more embodiments then initiate the payment transaction based on receiving the transaction token by sending the payment token to a payment network.
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公开(公告)号：US20180174138A1
公开(公告)日：2018-06-21
申请号：US15387326
申请日：2016-12-21
Applicant: Facebook, Inc.
Inventor： Anand Subbarayan , Yegnashankar Parasuram , Shuo Song , Kevin Patrick Hurley
CPC classification number: G06Q20/3674 , G06Q20/12 , G06Q20/3821 , G06Q20/385 , G06Q20/4016
Abstract: The present disclosure relates to systems, methods, and devices for device and system agnostic payment tokenization for processing payment transactions. In particular, the message system allows a user to initiate a payment transaction with a recipient. For example, one or more implementations involve dynamically selecting, based on a plurality of factors associated with the payment transaction, a payment tokenization method from one of a network tokenization method, a gateway tokenization method, or a third party tokenization method. One or more embodiments also dynamically select, based on a plurality of factors associated with the payment transaction, a token exchange method from one of a client-side exchange method, a server-side exchange method, or a direct exchange method.
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公开(公告)号：US10817866B2
公开(公告)日：2020-10-27
申请号：US16189928
申请日：2018-11-13
Applicant: Facebook, Inc.
Inventor： Roy Vance McElmurry , Jonathan B. Gheller , Alex Chao Qin , Kevin Patrick Hurley , Reinardus Surya Pradhitya , Dipanshu Agrawal , Shengling Hu , Chirag Chhagan Chheda , Yegnashankar Parasuram , Martin Kralik
Abstract: The present disclosure relates to systems, methods, and devices that provide a transactional payment system. In particular, the transactional payment system allows users of a messaging system to send and receive electronic payments to and from other users of the messaging system. A messaging application on a client device can receive payment information input (such as a payment amount and payment method) from a sender for making a payment to a recipient. The messaging application can send a payment message including the payment information to a messaging system, and the messaging system coordinates a payment process based on the payment information. During the payment process, the messaging system can provide status updates to the sender and receiver of the payment via status messages that are included in a message thread corresponding to the sender and the recipient.
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公开(公告)号：US20180183737A1
公开(公告)日：2018-06-28
申请号：US15389108
申请日：2016-12-22
Applicant: Facebook, Inc.
Inventor： Anand Subbarayan , Yegnashankar Parasuram , Shuo Song , Akshay Mittal , Xishuo Liu
Abstract: The disclosure relates to systems, methods, and devices for processing payment transactions between a user and a merchant using a messaging bot. In particular, a commerce system allows the user to initiate a communications session with a messaging bot associated with the merchant using natural language. One or more embodiments use natural language processing to analyze messages from the user to the messaging bot, and from the messaging bot to the user, to identify a product and a request to purchase the identified product. Based on the identified product and the request to purchase the product, one or more embodiments initiate a payment transaction on behalf of the user based on a natural language conversation and without redirecting the user away from the communications session. Additionally, one or more implementations provide a payment initiation message from the messaging bot to the user indicating that the payment transaction was initiated.
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公开(公告)号：US20180174137A1
公开(公告)日：2018-06-21
申请号：US15387304
申请日：2016-12-21
Applicant: Facebook, Inc.
Inventor： Anand Subbarayan , Yegnashankar Parasuram , Shuo Song , Akshay Mittal , Xishuo Liu , Kevin Patrick Hurley , Vladislav Perelman , Attila Incze
CPC classification number: G06Q20/3674 , G06Q20/02 , G06Q20/102 , G06Q20/12 , G06Q20/38215 , G06Q20/3829 , G06Q20/383 , G06Q20/385 , G06Q20/409 , G06Q30/0601 , G06Q50/01 , G06Q2220/00
Abstract: The present disclosure relates to systems, methods, and devices for device and system agnostic payment tokenization for processing payment transactions. In particular, the message system allows a user to initiate a payment transaction with a merchant. For example, one or more implementations involve identifying, in response to a request by a user client-device, a payment authorization number associated with a user account and sending a request for a payment token to a payment network associated with the payment authorization number. One or more embodiments receive a payment token representing the payment authorization number. Additionally, one or more embodiments encrypt the payment token and send the encrypted payment token to the user client-device to provide to a merchant system associated with the merchant.
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