Payment via financial service provider using network-based device

Abstract

A system includes an interface to receive a request associated with a third party at a financial service provider from a network-based device associated with a user. The request includes an identifier that identifies an offer. The system further includes a revenue share application configured to determine whether the transaction involves a plurality of third parties and to determine a payment share for each party of the plurality of third parties based on the transaction involving the plurality of third parties. A payment transfer module transfers the payment share from an account of the user to each account associated with each party of the plurality of third parties.

1 - 20 . (canceled) 
     
     
         21 . A system, comprising:
 at least one processor; and   a non-transitory, computer-readable medium having instructions stored thereon that are executable by the at least one processor to cause the system to perform operations comprising:
 receiving, from a network-based device that is associated with a user, a request corresponding to a transaction, wherein the request includes an identifier corresponding to the user, wherein the identifier includes: a first portion identifying a third party, and a second portion, different than the first portion, identifying an offer provided by the third party; 
 in response to receiving the identifier from the network-based device, automatically processing payment from the user to the third party without any further action by the user, including operations comprising:
 identifying the third party associated with the transaction via the first portion of the identifier in the request; 
 identifying the offer provided by the third party via the second portion of the identifier in the request, including accessing a database associated with the identified third party to verify whether the identified offer is valid; 
 determining, based on the request, that the user has provided authorization to process payment to the third party based on the offer; and 
 automatically transferring a payment amount from an account of the user to an account associated with the third party; and 
 
 providing, to a computer system associated with the third party, a notification of the payment from the user, wherein the notification includes the identifier corresponding to the user. 
   
     
     
         22 . The system of  claim 21 , wherein the operations further comprise:
 receiving a second identifier that is associated with the network-based device; and   authenticating the user utilizing the second identifier before the payment amount is transferred.   
     
     
         23 . The system of  claim 21 , further comprising:
 a database with payment information associated with the user and with an address destination associated with the user, wherein the database is accessible by the system.   
     
     
         24 . The system of  claim 21 , wherein the operations further comprise:
 providing, to the network-based device, a search interface to accept search criteria from the user and to generate a published listing, wherein the published listing includes at least one offer from the third party.   
     
     
         25 . A method, comprising:
 receiving, at a computer server from a network-based device that is associated with a user, a request corresponding to a transaction, wherein the request includes an identifier corresponding to the user, wherein the identifier includes: a first portion identifying a third party, and a second portion, different than the first portion, identifying an offer provided by the third party;   in response to receiving the identifier from the network-based device, automatically processing payment from the user to the third party without any further action by the user, including operations comprising:
 identifying the third party associated with the transaction via the first portion of the identifier in the request; 
 identifying the offer provided by the third party via the second portion of the identifier in the request, including accessing a database associated with the identified third party to verify whether the identified offer is valid; 
 determining, based on the request, that the user has provided authorization to process payment to the third party based on the offer; and 
 automatically causing transfer of a payment amount from an account of the user to an account associated with the third party; and 
   providing, to a computer system associated with the third party, a notification of the payment from the user, wherein the notification includes the identifier corresponding to the user.   
     
     
         26 . The method of  claim 25 , wherein the automatically transferring includes performing a transfer of the payment amount without providing user financial information to the third party. 
     
     
         27 . The method of  claim 25 , wherein the automatically transferring includes debiting the account associated with the user at a financial service provider and crediting the account associated with the third party. 
     
     
         28 . The method of  claim 25 , further comprising:
 obtaining a user identifier from the network-based device associated with the user; and automatically determining user identification at a financial service provider to authenticate the user based on the user identifier obtained from the network-based device.   
     
     
         29 . The method of  claim 25 , further comprising: publishing, by the server, a listing containing the offer and the second portion of the identifier that identifies the offer. 
     
     
         30 . The method of  claim 25 , further comprising:
 automatically determining user identification at a financial service provider to authenticate the user upon receipt of a user identifier associated with the network-based device.   
     
     
         31 . The method of  claim 25 , wherein the request is received, at the server from the network-based device, using a short messaging service (SMS). 
     
     
         32 . The method of  claim 25 , wherein the identifier corresponding to the user is available on the Internet via a webpage. 
     
     
         33 . The method of  claim 25 , wherein the identifier corresponding to the user comprises an alphanumeric code. 
     
     
         34 . The method of  claim 25 , wherein accessing the database associated with the identified third party to verify whether the identified offer is valid comprises the server transmitting a verification request via a network connection to another computer system. 
     
     
         35 . The method of  claim 25 , wherein automatically processing payment from the user to the third party comprises checking a status of funds associated with the user. 
     
     
         36 . The method of  claim 25 , wherein the automatically processing the payment from the user to the third party further includes verifying that the offer provided by the third party is available at a time that the request is received. 
     
     
         37 . A non-transitory, machine-readable medium having instructions stored thereon that, in response to being executed by one or more processors, cause a system to perform operations comprising:
 receiving, from a network-based device that is associated with a user, a request corresponding to a transaction, wherein the request includes an identifier corresponding to the user, wherein the identifier includes: a first portion identifying a third party, and a second portion, different than the first portion, identifying an offer provided by the third party;   in response to receiving the identifier from the network-based device, automatically processing payment from the user to the third party without any further action by the user, including operations comprising:
 identifying the third party associated with the transaction via the first portion of the identifier in the request; 
 identifying the offer provided by the third party via the second portion of the identifier in the request, including accessing a database associated with the identified third party to verify whether the identified offer is valid; 
 determining, based on the request, that the user has provided authorization to process payment to the third party based on the offer; and 
 automatically transferring a payment amount from an account of the user to an account associated with the third party; and 
   providing, to a computer system associated with the third party, a notification of the payment from the user, wherein the notification includes the identifier corresponding to the user.   
     
     
         38 . The non-transitory, machine-readable medium of  claim 37 , wherein the automatically transferring the payment amount includes performing a transfer of the payment amount without providing user financial information to the third party. 
     
     
         39 . The non-transitory, machine-readable medium of  claim 37 , wherein the operations further comprise:
 obtaining a user identifier from the network-based device associated with the user; and automatically determining user identification at a financial service provider to authenticate the user based on the user identifier obtained from the network-based device.   
     
     
         40 . The non-transitory, machine-readable medium of  claim 37 , wherein the automatically processing the payment from the user to the third party further includes verifying that the offer provided by the third party is available at a time that the request is received.