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公开(公告)号：US10796295B2
公开(公告)日：2020-10-06
申请号：US15389108
申请日：2016-12-22
Applicant: Facebook, Inc.
Inventor： Anand Subbarayan , Yegnashankar Parasuram , Shuo Song , Akshay Mittal , Xishuo Liu
Abstract: The disclosure relates to systems, methods, and devices for processing payment transactions between a user and a merchant using a messaging bot. In particular, a commerce system allows the user to initiate a communications session with a messaging bot associated with the merchant using natural language. One or more embodiments use natural language processing to analyze messages from the user to the messaging bot, and from the messaging bot to the user, to identify a product and a request to purchase the identified product. Based on the identified product and the request to purchase the product, one or more embodiments initiate a payment transaction on behalf of the user based on a natural language conversation and without redirecting the user away from the communications session. Additionally, one or more implementations provide a payment initiation message from the messaging bot to the user indicating that the payment transaction was initiated.
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2.发明申请公开(公告)号：US20170344994A1
公开(公告)日：2017-11-30
申请号：US15164631
申请日：2016-05-25
Applicant: Facebook, Inc.
Inventor： Shen Wang , Akshay Mittal , Thilak Thenpandyian , Francesco Fogu , Yichen Jia , Shuo Song
Abstract: One or more embodiments of the disclosure include systems and methods that generate and utilize digital visual codes in electronic payment transactions. In particular, in one or more embodiments, the disclosed systems and methods generate digital visual codes that embed information regarding a user account of a payor (i.e., a user account of the payor within a social networking system). In one or more embodiments, the disclosed systems and methods display the digital visual codes via a payor computing device, scan the digital visual codes via a payee computing device, and send an identifier of the payor to the social networking system based on scanning the digital visual codes. The social networking system then utilizes the identifier to identify the payor, send and receive confirmation from the payor, and finalize the payment transaction between the payor and the payee.
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公开(公告)号：US10304102B2
公开(公告)日：2019-05-28
申请号：US14991433
申请日：2016-01-08
Applicant: Facebook, Inc.
Inventor： Derek Chirk Yin Cheng , Kwok Ngai Eric Lo , Lui Lui Wong , Stephen Moore Davis , Bowen Pan , Christopher Richard Tanner , Francesco Fogu , Shuo Song
Abstract: One or more embodiments of the disclosure provide systems and methods for improving a user experience for performing transactions between potential buyers and sellers online via real-time communications. For example, a social marketplace system enables a potential buyer to initiate a real-time communication with a seller without the potential buyer having to provide contextual information regarding the item to the seller. In one or more embodiments, the social marketplace system provides a banner, in connection with the real-time communication, populated with structured data associated with the item that the potential buyer and the seller are discussing.
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公开(公告)号：US20170200209A1
公开(公告)日：2017-07-13
申请号：US14991433
申请日：2016-01-08
Applicant: Facebook, Inc.
Inventor： Derek Chirk Yin Cheng , Kwok Ngai Eric Lo , Lui Lui Wong , Stephen Moore Davis , Bowen Pan , Christopher Richard Tanner , Francesco Fogu , Shuo Song
CPC classification number: G06Q30/0611 , G06Q30/0619 , G06Q30/0623 , G06Q30/0641 , H04L65/1069 , H04L65/4015
Abstract: One or more embodiments of the disclosure provide systems and methods for improving a user experience for performing transactions between potential buyers and sellers online via real-time communications. For example, a social marketplace system enables a potential buyer to initiate a real-time communication with a seller without the potential buyer having to provide contextual information regarding the item to the seller. In one or more embodiments, the social marketplace system provides a banner, in connection with the real-time communication, populated with structured data associated with the item that the potential buyer and the seller are discussing.
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Patent Agency Ranking
5.发明授权公开(公告)号：US10789596B2
公开(公告)日：2020-09-29
申请号：US15164631
申请日：2016-05-25
Applicant: Facebook, Inc.
Inventor： Shen Wang , Akshay Mittal , Thilak Thenpandyian , Francesco Fogu , Yichen Jia , Shuo Song
Abstract: One or more embodiments of the disclosure include systems and methods that generate and utilize digital visual codes in electronic payment transactions. In particular, in one or more embodiments, the disclosed systems and methods generate digital visual codes that embed information regarding a user account of a payor (i.e., a user account of the payor within a social networking system). In one or more embodiments, the disclosed systems and methods display the digital visual codes via a payor computing device, scan the digital visual codes via a payee computing device, and send an identifier of the payor to the social networking system based on scanning the digital visual codes. The social networking system then utilizes the identifier to identify the payor, send and receive confirmation from the payor, and finalize the payment transaction between the payor and the payee.
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公开(公告)号：US20180174138A1
公开(公告)日：2018-06-21
申请号：US15387326
申请日：2016-12-21
Applicant: Facebook, Inc.
Inventor： Anand Subbarayan , Yegnashankar Parasuram , Shuo Song , Kevin Patrick Hurley
CPC classification number: G06Q20/3674 , G06Q20/12 , G06Q20/3821 , G06Q20/385 , G06Q20/4016
Abstract: The present disclosure relates to systems, methods, and devices for device and system agnostic payment tokenization for processing payment transactions. In particular, the message system allows a user to initiate a payment transaction with a recipient. For example, one or more implementations involve dynamically selecting, based on a plurality of factors associated with the payment transaction, a payment tokenization method from one of a network tokenization method, a gateway tokenization method, or a third party tokenization method. One or more embodiments also dynamically select, based on a plurality of factors associated with the payment transaction, a token exchange method from one of a client-side exchange method, a server-side exchange method, or a direct exchange method.
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公开(公告)号：US20180183737A1
公开(公告)日：2018-06-28
申请号：US15389108
申请日：2016-12-22
Applicant: Facebook, Inc.
Inventor： Anand Subbarayan , Yegnashankar Parasuram , Shuo Song , Akshay Mittal , Xishuo Liu
Abstract: The disclosure relates to systems, methods, and devices for processing payment transactions between a user and a merchant using a messaging bot. In particular, a commerce system allows the user to initiate a communications session with a messaging bot associated with the merchant using natural language. One or more embodiments use natural language processing to analyze messages from the user to the messaging bot, and from the messaging bot to the user, to identify a product and a request to purchase the identified product. Based on the identified product and the request to purchase the product, one or more embodiments initiate a payment transaction on behalf of the user based on a natural language conversation and without redirecting the user away from the communications session. Additionally, one or more implementations provide a payment initiation message from the messaging bot to the user indicating that the payment transaction was initiated.
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公开(公告)号：US20180174137A1
公开(公告)日：2018-06-21
申请号：US15387304
申请日：2016-12-21
Applicant: Facebook, Inc.
Inventor： Anand Subbarayan , Yegnashankar Parasuram , Shuo Song , Akshay Mittal , Xishuo Liu , Kevin Patrick Hurley , Vladislav Perelman , Attila Incze
CPC classification number: G06Q20/3674 , G06Q20/02 , G06Q20/102 , G06Q20/12 , G06Q20/38215 , G06Q20/3829 , G06Q20/383 , G06Q20/385 , G06Q20/409 , G06Q30/0601 , G06Q50/01 , G06Q2220/00
Abstract: The present disclosure relates to systems, methods, and devices for device and system agnostic payment tokenization for processing payment transactions. In particular, the message system allows a user to initiate a payment transaction with a merchant. For example, one or more implementations involve identifying, in response to a request by a user client-device, a payment authorization number associated with a user account and sending a request for a payment token to a payment network associated with the payment authorization number. One or more embodiments receive a payment token representing the payment authorization number. Additionally, one or more embodiments encrypt the payment token and send the encrypted payment token to the user client-device to provide to a merchant system associated with the merchant.
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公开(公告)号：US20170169508A1
公开(公告)日：2017-06-15
申请号：US14965784
申请日：2015-12-10
Applicant: Facebook, Inc.
Inventor： Shuo Song , Jennifer JenJen Tung , Stephen Moore Davis , Pratap Prabhu , Akshay Mittal , Yichen Jia , Alvin Portillo , Shen Wang , Phannipha Arunyaangkul , Kevin Patrick Hurley , Xunjie Yu
CPC classification number: G06Q40/025 , G06Q20/102 , G06Q20/223 , G06Q50/01
Abstract: The present disclosure relates to systems, methods, and devices for enabling peer-to-peer loan transactions. In particular, the message system allows users of a social networking system to initiate peer-to-peer loan transactions. For example, one or more implementations involve recommending potential lenders likely to loan money to a user requesting a peer-to-peer loan transaction. One or more embodiments of the message system provide a loan request message to a potential lender. Additionally, one or more embodiments receive an acceptance of the requested loan transaction and initiate the loan transaction by transferring a loan amount from a payment credential of the potential lender to the user.
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