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Shared Mobile Payments

a mobile payment and payment method technology, applied in the field of electronic commerce, can solve the problems of person making the entire payment being unable to collect contributions from some or all of the other people, and the person making the entire payment being forced to assume an undesirable risk

Inactive Publication Date: 2013-06-20
PAYPAL INC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Benefits of technology

The patent text describes a system and method for sharing mobile payments among users. The technical effect of this patent is to provide a more convenient and efficient way for multiple people to pay for a purchase using a mobile device. Rather than making the entire payment and then collecting contributions from the other users, this system allows for a first user to initiate the purchase and then communicate with other users to determine if they want to share the cost of the purchase. This way, the first user doesn't have to assume the entire risk of the purchase and can make the purchase with the other users' consent. The system uses NFC technology to enable this communication among the users' mobile devices.

Problems solved by technology

In some instances, the person who makes the entire payment may not be able to collect the contributions from some or all of the other people.
Thus, the person making the entire payment may have to assume an undesirable risk in order to purchase the product.

Method used

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Examples

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Embodiment Construction

[0013]Methods and systems are provided for facilitating shared mobile payments. According to an embodiment, a purchaser or first user can initiate a purchase using a mobile device. The mobile device can display a total price for the purchase. The first user can cooperate with one or more second users to share the cost of the purchase. The cooperation can be facilitated via the first user's mobile device and second users' mobile devices.

[0014]More particularly, the first user's mobile device can be near field communication (NFC) enabled and the first user can initiate the purchase using NFC. The purchase can be from an online merchant or can be from a brick and mortar store merchant. For a brick and mortar store purchase, the user can be at the brick and mortar store or can be away from the brick and mortar store.

[0015]To initiate an online purchase, the first user can select the product to be purchased from a merchant's website. To initiate a brick and mortar store purchase, the fir...

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Abstract

Methods and systems are provided for facilitating shared mobile payments. According to an embodiment, a user can initiate a purchase using a mobile device. The mobile device can display a total price for the purchase. The first user can cooperate with one or more second users to share the cost of the purchase. The cooperation can be facilitated via the first and second users' mobile devices.

Description

PRIORITY CLAIM[0001]This patent application claims the benefit of the priority date of U.S. provisional patent application Ser. No. 61 / 577,471, filed on Dec. 19, 2011 and pursuant to 35 USC 119. The entire contents of this provisional patent application are hereby expressly incorporated by reference.BACKGROUND[0002]1. Technical Field[0003]The present disclosure generally relates to electronic commerce and, more particularly, relates to methods and systems for sharing mobile payments among users.[0004]2. Related Art[0005]The use of mobile devices, such as cellular telephones, to make purchases is well known. Such mobile devices can be used to make purchases from brick and mortar stores and from online stores. For example, such mobile devices can be used to pay for purchases via a credit card, debit card, gift card, or payment provider. Generally, a single person will pay for a purchase. However, there are instances where it is desirable to share the payment for a purchase among a plu...

Claims

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Application Information

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Patent Type & Authority Applications(United States)
IPC IPC(8): G06Q20/22
CPCG06Q20/22G06Q20/20G06Q20/322G06Q20/3223G06Q20/405G06Q20/227
Inventor SIVARAMAN, SRIDHARBRUGUBANDA, VENKATA
Owner PAYPAL INC
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