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1. WO2016144364 - FACILITATING SENDING, RECEIVING, AND UPDATING OF PAYMENTS USING MESSAGE AND PAYMENT QUEUES

Publication Number WO/2016/144364
Publication Date 15.09.2016
International Application No. PCT/US2015/020208
International Filing Date 12.03.2015
IPC
G06Q 20/40 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/32 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
32using wireless devices
CPC
G06Q 20/10
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
10specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 20/223
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
22Payment schemes or models
223based on the use of peer-to-peer networks
G06Q 20/384
G06Q 20/386
G06Q 20/4016
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
401Transaction verification
4016involving fraud or risk level assessment in transaction processing
G06Q 20/405
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
405Establishing or using transaction specific rules
Applicants
  • FACEBOOK, INC. [US]/[US]
Inventors
  • MOORE, Stephen, Davis
  • YU, Xunjie
  • SARNOFF, Aaron, Alexander
  • FEIN, Jeremy, David
Agents
  • KELLER, Ryan, E.
Priority Data
14/645,00611.03.2015US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) FACILITATING SENDING, RECEIVING, AND UPDATING OF PAYMENTS USING MESSAGE AND PAYMENT QUEUES
(FR) FACILITATION DE L'ÉMISSION, DE LA RÉCEPTION ET DE L'ACTUALISATION DE PAIEMENTS À L'AIDE DE FILES D'ATTENTE DE MESSAGES ET DE PAIEMENTS
Abstract
(EN)
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 message exchanges and payment transactions using push notifications via separate message and payment queues. To illustrate, one or more implementations involve pushing status updates to a payment transaction using a payment queue specific to a user. Additionally, one or more implementations involve associating payment transactions with messages within a messaging thread for providing updates to each user in the messaging thread.
(FR)
La présente invention concerne des systèmes, des procédés et des dispositifs destinés à émettre et à recevoir des paiements à l'aide d'un système intégré de paiement et de messagerie. En particulier, le système intégré de paiement et de messagerie permet à des utilisateurs d'émettre et de recevoir des paiements électroniques ainsi que d'échanger des messages. Par exemple, un ou plusieurs modes de réalisation font intervenir la facilitation d'échanges de messages et de transactions de paiement en utilisant des notifications en distribution sélective via des files d'attente distinctes de messages et de paiements. À titre d'illustration, un ou plusieurs modes de réalisation font intervenir comporte l'étape consistant à distribuer sélectivement des actualisations d'état vers une transaction de paiement en utilisant une file d'attente de paiements spécifique à un utilisateur. De plus, un ou plusieurs modes de réalisation font intervenir l'étape consistant à associer des transactions de paiement à des messages au sein d'un fil de messagerie pour fournir des actualisations à chaque utilisateur dans le fil de messagerie.
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