Patent ID: 8943001
Filing Date: 2015-01-27
Classification: G06Q

Abstract:
1. A computer-implemented method for authorizing instant purchases without payment information, comprising: receiving, by one or more computing devices, a request for instant purchase of an item by a user, wherein the request does not include or require payment information to pay for the item, the item being purchased by the user from a provider; determining, by the one or more computing devices, whether the user is approved for instant purchase based on a prior account activity level associated with an account of the user; authorizing, by the one or more computing devices, the instant purchase in response to a determination that the user is approved for instant purchase; communicating, by the one or more computing devices, the authorization to the provider; obtaining, by the one or more computing devices, deferred payment of the instant purchase from the user after the user receives the item from the provider.