Patent ID: 7930216
Filing Date: 2011-04-19
Classification: G06Q

Abstract:
1. A computer implemented method for making an online payment from a first party to a second party through a payment enabler system, comprising: maintaining at the payment enabler system a registered users database of registered users that have registered with the payment enabler system, the registered users database comprising a plurality of records that include an email address and other information; maintaining at the payment enabler system an address book database for storing address book records comprising names associated with other parties to whom the first party may make an online payment, each address book record including a name and an associated email address; in response to selection by the first party of an address book entry of a particular second party for purposes of making an online payment to the selected second party, retrieving the email address associated with the second party from the first party's associated address book records in the address book database; accessing the registered users database and determining whether the retrieved email address associated with the selected particular second party has a record in the registered users database; in response to a determination that the second party has no entry in the registered users database, receiving security information from the first party including predetermined expected information for purposes of authenticating the second party for receiving the payment; in response to receipt of the security information from the first party, sending the second party a registration invitation email utilizing the retrieved email address to notify the second party that a payment is pending and instructing the second party to register with the payment enabler system by accessing the payment enabler system; in response to accessing the payment enabler system by the second party after receiving the registration invitation email, conducting a user registration process comprising receiving registration information including an email address of the second party as a registering user, identification information, a default money receiving method, and a response corresponding to the security information that includes at least in part the predetermined expected information; in response to receiving registration information from the registering user, creating a database record in the registered users database including the registration information; and in response to receiving the response corresponding to the security information from the registering user, completing the payment from the first party to the second party by the payment enabler system by transferring money from the first party to the second party utilizing a determined money transfer method.