US 9,811,813 B2
Methods and systems for selecting accounts and offers in payment transactions
Kevin Laracey, Natick, MA (US)
Assigned to PAYPAL, INC., San Jose, CA (US)
Filed by PAYPAL, INC., San Jose, CA (US)
Filed on Jul. 25, 2016, as Appl. No. 15/219,134.
Application 15/219,134 is a continuation of application No. 13/731,348, filed on Dec. 31, 2012, granted, now 9,400,978.
Application 13/731,348 is a continuation in part of application No. 12/846,911, filed on Jul. 30, 2010, granted, now 8,380,177.
Claims priority of provisional application 61/322,477, filed on Apr. 9, 2010.
Claims priority of provisional application 61/362,567, filed on Jul. 8, 2010.
Claims priority of provisional application 61/651,177, filed on May 24, 2012.
Claims priority of provisional application 61/582,010, filed on Dec. 30, 2011.
Prior Publication US 2016/0335613 A1, Nov. 17, 2016
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/10 (2012.01); G06Q 20/32 (2012.01); G06Q 20/20 (2012.01); G06Q 30/06 (2012.01); G06Q 30/02 (2012.01)
CPC G06Q 20/102 (2013.01) [G06Q 20/108 (2013.01); G06Q 20/20 (2013.01); G06Q 20/322 (2013.01); G06Q 20/3274 (2013.01); G06Q 20/3276 (2013.01); G06Q 30/0253 (2013.01); G06Q 30/06 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A transaction management system, comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
establishing a checkout device session associated with a checkout device,
associating checkout token information with the checkout device session,
providing, for display on the checkout device during the checkout device session, a checkout token that encodes the checkout token information,
establishing, in response to a communication with a user device, a user session associated with a user account,
receiving, from the user device during the user session, transaction information that was captured by the user device at the checkout device and that corresponds to the checkout token displayed on the checkout device during the checkout device session,
determining that the transaction information received from the user device during the user session corresponds to the checkout token information associated with the checkout device session,
receiving, from the checkout device during the checkout device session, a transaction amount,
associating the transaction amount received from the checkout device during the checkout device session with the user account based on the transaction information received from the user device during the user session corresponding to the checkout token information encoded by the checkout token displayed on the checkout device during the checkout device session,
identifying a plurality of payment instruments and at least one transaction rule that is associated with the user account,
selecting at least one of the plurality of payment instruments using the at least one transaction rule, and
performing a transaction for the transaction amount using the at least one of the plurality of payment instruments.