Systems and methods for facilitating multi-party payment transactions
A computer-implemented method for facilitating a payment transaction wherein a cardholder purchases an item from a merchant on behalf of a buyer is provided. The method includes receiving proposal data from a buyer computing device, wherein the proposal data includes at least one of an identificatio...
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| creator | Sharma, Prashant Bhagat, Deepankar Baron, Joshua Joseph |
| description | A computer-implemented method for facilitating a payment transaction wherein a cardholder purchases an item from a merchant on behalf of a buyer is provided. The method includes receiving proposal data from a buyer computing device, wherein the proposal data includes at least one of an identification of an item proposed for purchase, a particular merchant, and a merchant purchase price. The method also includes receiving a selection message from the buyer computing device, wherein the selection message indicates a selected cardholder chosen to purchase the item on behalf of a buyer using a merchant payment card associated with the particular merchant. The method also includes reserving, by the computing device, at least the merchant purchase price and a cardholder processing fee associated with the merchant payment card in a buyer account. The method also includes transferring funds from the buyer account to a selected cardholder account, the funds determined at least in part by the merchant purchase price and the cardholder processing fee. |
| format | Patent |
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The method includes receiving proposal data from a buyer computing device, wherein the proposal data includes at least one of an identification of an item proposed for purchase, a particular merchant, and a merchant purchase price. The method also includes receiving a selection message from the buyer computing device, wherein the selection message indicates a selected cardholder chosen to purchase the item on behalf of a buyer using a merchant payment card associated with the particular merchant. The method also includes reserving, by the computing device, at least the merchant purchase price and a cardholder processing fee associated with the merchant payment card in a buyer account. The method also includes transferring funds from the buyer account to a selected cardholder account, the funds determined at least in part by the merchant purchase price and the cardholder processing fee.</description><language>eng</language><subject>CALCULATING ; COMPUTING ; COUNTING ; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES ; PHYSICS ; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</subject><creationdate>2019</creationdate><oa>free_for_read</oa><woscitedreferencessubscribed>false</woscitedreferencessubscribed></display><links><openurl>$$Topenurl_article</openurl><openurlfulltext>$$Topenurlfull_article</openurlfulltext><thumbnail>$$Tsyndetics_thumb_exl</thumbnail><linktohtml>$$Uhttps://worldwide.espacenet.com/publicationDetails/biblio?FT=D&date=20190205&DB=EPODOC&CC=US&NR=10198723B2$$EHTML$$P50$$Gepo$$Hfree_for_read</linktohtml><link.rule.ids>230,308,776,881,25543,76294</link.rule.ids><linktorsrc>$$Uhttps://worldwide.espacenet.com/publicationDetails/biblio?FT=D&date=20190205&DB=EPODOC&CC=US&NR=10198723B2$$EView_record_in_European_Patent_Office$$FView_record_in_$$GEuropean_Patent_Office$$Hfree_for_read</linktorsrc></links><search><creatorcontrib>Sharma, Prashant</creatorcontrib><creatorcontrib>Bhagat, Deepankar</creatorcontrib><creatorcontrib>Baron, Joshua Joseph</creatorcontrib><title>Systems and methods for facilitating multi-party payment transactions</title><description>A computer-implemented method for facilitating a payment transaction wherein a cardholder purchases an item from a merchant on behalf of a buyer is provided. The method includes receiving proposal data from a buyer computing device, wherein the proposal data includes at least one of an identification of an item proposed for purchase, a particular merchant, and a merchant purchase price. The method also includes receiving a selection message from the buyer computing device, wherein the selection message indicates a selected cardholder chosen to purchase the item on behalf of a buyer using a merchant payment card associated with the particular merchant. The method also includes reserving, by the computing device, at least the merchant purchase price and a cardholder processing fee associated with the merchant payment card in a buyer account. The method also includes transferring funds from the buyer account to a selected cardholder account, the funds determined at least in part by the merchant purchase price and the cardholder processing fee.</description><subject>CALCULATING</subject><subject>COMPUTING</subject><subject>COUNTING</subject><subject>DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES</subject><subject>PHYSICS</subject><subject>SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</subject><fulltext>true</fulltext><rsrctype>patent</rsrctype><creationdate>2019</creationdate><recordtype>patent</recordtype><sourceid>EVB</sourceid><recordid>eNqNyjEOwjAMAMAsDKjwB_OASrQdgJWqiL0wV1bqQKTEiWIz5PcsPIDpltuaaa6iFAWQV4ik77QKuFTAofXBK6rnF8RPUN9mLFohY43EClqQBa36xLIzG4dBaP-zMYfb9BjvLeW0kGS0xKTLc-6O3eV86odrP_xzvk_SNDI</recordid><startdate>20190205</startdate><enddate>20190205</enddate><creator>Sharma, Prashant</creator><creator>Bhagat, Deepankar</creator><creator>Baron, Joshua Joseph</creator><scope>EVB</scope></search><sort><creationdate>20190205</creationdate><title>Systems and methods for facilitating multi-party payment transactions</title><author>Sharma, Prashant ; Bhagat, Deepankar ; Baron, Joshua Joseph</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-epo_espacenet_US10198723B23</frbrgroupid><rsrctype>patents</rsrctype><prefilter>patents</prefilter><language>eng</language><creationdate>2019</creationdate><topic>CALCULATING</topic><topic>COMPUTING</topic><topic>COUNTING</topic><topic>DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES</topic><topic>PHYSICS</topic><topic>SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</topic><toplevel>online_resources</toplevel><creatorcontrib>Sharma, Prashant</creatorcontrib><creatorcontrib>Bhagat, Deepankar</creatorcontrib><creatorcontrib>Baron, Joshua Joseph</creatorcontrib><collection>esp@cenet</collection></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext_linktorsrc</fulltext></delivery><addata><au>Sharma, Prashant</au><au>Bhagat, Deepankar</au><au>Baron, Joshua Joseph</au><format>patent</format><genre>patent</genre><ristype>GEN</ristype><title>Systems and methods for facilitating multi-party payment transactions</title><date>2019-02-05</date><risdate>2019</risdate><abstract>A computer-implemented method for facilitating a payment transaction wherein a cardholder purchases an item from a merchant on behalf of a buyer is provided. The method includes receiving proposal data from a buyer computing device, wherein the proposal data includes at least one of an identification of an item proposed for purchase, a particular merchant, and a merchant purchase price. The method also includes receiving a selection message from the buyer computing device, wherein the selection message indicates a selected cardholder chosen to purchase the item on behalf of a buyer using a merchant payment card associated with the particular merchant. The method also includes reserving, by the computing device, at least the merchant purchase price and a cardholder processing fee associated with the merchant payment card in a buyer account. The method also includes transferring funds from the buyer account to a selected cardholder account, the funds determined at least in part by the merchant purchase price and the cardholder processing fee.</abstract><oa>free_for_read</oa></addata></record> |
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| subjects | CALCULATING COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES PHYSICS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR |
| title | Systems and methods for facilitating multi-party payment transactions |
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