Patent ID: 8380624
Filing Date: 2013-02-19
Classification: G06Q

Abstract:
1. A computerized method comprising: receiving at a network-based payment system a request associated with a first party to make a payment to a second party; requesting from the first party an instruction for charging a transaction fee for the payment; receiving the requested instruction over a network, the received instruction including the amount of the transaction fee and the shares of the transaction fee to be charged to each of the first and the second party, the net amount of the payment paid to the second party being equal or less than the amount that the first party requested the payment system to pay the second party, depending on the share of the transaction fee the instruction indicates is to be paid by the second party; and from the payment system, sending the net amount of the payment and a recommendation for utilization of the payment to the second party, the recommendation being based on a profile of the second party, the profile including a spending behavior and interest of the second party, the recommendation being saving in an account.