Patent ID: 8065190
Filing Date: 2011-11-22
Classification: G06Q

Abstract:
1. A computer-implemented method for processing payment requests from a first person to a second person and a third person, the payment request requesting that the second person or the third person pay for an item being offered for sale by an online retailer for the first person, where one or more processors are programmed to perform steps comprising: receiving an electronic third party payment request at the one or more processors from the first person to request that one or more of a plurality of third persons fund the purchase of an item from an online retailer for the first person, wherein the second person can be one of the plurality of third persons; sending an electronic payment authorization request to each of the plurality of third persons from the one or more processors; receiving a first authorization to pay a first portion of the purchase from a first of the plurality of third persons; holding the first authorization in a pending status until a second authorization to pay a remaining balance of the purchase is received from a second of the plurality of third persons; and processing the first authorization and the second authorization at the one or more processors to purchase the item from the online retailer by charging the first of the plurality of third persons and charging the second of the plurality of third persons.