Patent ID: 8498939
Filing Date: 2013-07-30
Classification: G06Q

Abstract:
1. A computer-implemented method for authorizing instant purchases without payment information, comprising: receiving, by a computer, 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 computer, 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 computer, the instant purchase in response to a determination that the user is approved for instant purchase; communicating, by the computer, the authorization to the provider; updating, by the computer, a record of the user to include information regarding the approved instant purchase; notifying, by the computer, the user of the approved instant purchase and providing access to content associated with the approved instant purchase; and obtaining, by the computer, deferred payment of the instant purchase from the user after the user receives the item from the provider.