Patent ID: 9129464
Filing Date: 2015-09-08
Classification: G06Q,G07F

Abstract:
1. A computer implemented method for staging a transaction, wherein payments are accepted from a consumer for a good or service provided by a merchant, where the goods or services are ordered on behalf of a consumer by a third party, the method comprising: a payment service provider receiving, in response to transactions in which goods or services are ordered by one or more third parties rather than the consumer, transaction requests from the merchant, the transaction requests comprising a set of transaction identifiers, the set of identifiers associated with consumer purchases; storing the transaction requests in a consumer database accessible by the payment service provider; receiving a payment at the payment service provider from the consumer, including receiving a transaction identifier from the consumer that corresponds to the transaction request; using a computer to associate the payment with the transaction request and transaction identifier and to establish a payment account with the payment service provider that reflects the payment; and sending at least a portion of the payment in the payment account to the merchant.