System for accepting a first account for making payment for a transaction and paying for the transaction with funds from a second account

Abstract

An online payment service receives from a consumer the identity of a first account for making a payment for a transaction. The payment service accepts the first account for making the payment. The payment is permitted to be made from a second account maintained for the consumer by the online payment service, where the payment may include coupons. The second account may be internal to the online payment system, and the first account may be external to the online payment service. A third party may participate in the transaction.

What is claimed is: 
     
         1 . A system comprising:
 at least one hardware processor maintained to communicate with a client machine via a network interface, the at least one hardware processor configured to include:
 a receiver module to receive, via a message exchange with the client machine, information that identifies a first account for making a payment for a transaction, the information being generated by selection of a selectable element at a user interface at the client machine, the message exchange utilizing the network interface of the at least one hardware processor; 
 a retriever module to retrieve information related to the first account; 
 an approval module, responsive to risk analysis of the information related to the first account, to accept the first account for making the payment; and 
 a payment module, responsive to the approval module, to map the first account to a second account maintained by an online payment service and to activate software to make payment for the transaction with funds from the second account, the payment including coupons. 
   
     
     
         2 . The system of  claim 1 , wherein the second account is internal to the online payment service and the first account is external to the online payment service. 
     
     
         3 . The system of  claim 1 , wherein a third party participates in the transaction. 
     
     
         4 . The system of  claim 1 , wherein the at least one hardware processor is further configured to include a risk analysis module to evaluate the risk involved in accepting the first account for making the payment. 
     
     
         5 . The system of  claim 4 , wherein evaluating the risk involved is performed by a third party. 
     
     
         6 . The system of  claim 4 , wherein evaluating the risk involved comprises evaluating information accessible to a transaction facility. 
     
     
         7 . The system of  claim 1 , wherein information related to the first account for making the payment is transmitted from a mobile device. 
     
     
         8 . A system comprising:
 at least one hardware processor maintained to communicate with a client machine via a network interface, the at least one hardware processor configured to include:
 a receiver module to receive, via a message exchange with the client machine, information that identifies a first account for making a payment for a transaction, the information being generated by selection of a selectable element at a user interface at the client machine, the message exchange utilizing the network interface of the at least one hardware processor, the message being configured as a message in an application protocol and transmitted by the client machine; 
 a retriever module residing at an online payment service to retrieve information related to the first account; 
 an approval module, responsive to risk analysis of the information related to the first account, to accept the first account for making the payment; and 
 a payment module, residing at the online payment service and responsive to the approval module, to map the first account to a second account maintained by a payment service and to activate software to make payment for the transaction with funds from the second account, the payment including coupons. 
   
     
     
         9 . The system of  claim 8 , wherein the second account is internal to the online payment service and the first account is external to the online payment service. 
     
     
         10 . The system of  claim 8 , wherein a third party participates in the transaction. 
     
     
         11 . The system of  claim 8 , wherein the risk analysis comprises evaluating the risk involved in accepting the first account for making the payment. 
     
     
         12 . The system of  claim 11 , wherein evaluating the risk involved comprises evaluating information accessible to a transaction facility. 
     
     
         13 . The system of  claim 11 , wherein evaluating the risk involved is performed by a third party. 
     
     
         14 . The system of  claim 8 , wherein the information related to the first account for making the payment is transmitted from a mobile device. 
     
     
         15 . A system comprising:
 at least one hardware processor maintained to communicate with a client machine via a network interface, the at least one hardware processor configured to include:
 a receiver module to receive, via a message exchange with the client machine, information that identifies a first account for making a payment for a transaction, the information being generated by selection of a selectable element at a user interface at the client machine, the message exchange utilizing the network interface of the at least one hardware processor, the selection causing the information to be configured using a communication protocol specified in an application layer and transmitted in a transport layer by the client machine; 
 a retriever module to configure a request to retrieve, from an external server over a communication network, information related to the first account, and to retrieve the information pursuant to the request; 
 an approval module, responsive to risk analysis of the information related to the first account, to issue a request to accept the first account for making the payment; and 
 a payment module, responsive to the approval module, to map the first account to a second account maintained by a payment service and to activate software to make payment for the transaction with funds from the second account, the payment including coupons. 
   
     
     
         16 . The system of  claim 15 , wherein the second account is internal to the payment service and the first account is external to the payment service. 
     
     
         17 . The system of  claim 15 , wherein a third party participates in the transaction. 
     
     
         18 . The system of  claim 15 , wherein the at least one hardware processor is further configured to include a risk analysis module to evaluate the risk involved in accepting the first account for making the payment. 
     
     
         19 . The system of  claim 18 , wherein evaluating the risk involved comprises evaluating information accessible to a transaction facility. 
     
     
         20 . The system of  claim 15 , wherein the information related to the first account for making the payment is transmitted from a mobile device.