Payment via financial service provider using network-based device

Abstract

A system includes an interface to receive a request associated with a third party at a financial service provider from a network-based device via a network. The network-based device is associated with a user. The system further includes a payment transfer module, responsive to receiving the request, to transfer a payment from the user to the third party via the financial service provider.

1 . A system comprising: 
 an interface to receive an identifier associated with a third party at a financial service provider from a network-based device via a network, the network-based device being associated with a user; and    a payment transfer module, responsive to receiving the identifier, to automatically transfer a payment from the user to the third party via the financial service provider.    
     
     
         2 . The system of  claim 1  wherein the identifier includes a first identifier and the interface is to receive a second identifier, wherein the second identifier is associated with the network-based device, and wherein the payment transfer module is to determine an identity of the user utilizing the second identifier.  
     
     
         3 . The system of  claim 1  wherein the identifier is selected from a group including an alphanumeric code, a bar code, an electronic product code, a symbol, and a wireless signal.  
     
     
         4 . The system of  claim 1  further comprising a network-based system to publish a listing offering an offer for sale by the third party, wherein the offer is associated with the identifier and is selected from a group including a product offered by the third party, a service offered by a third party, and a promotion of the third party.  
     
     
         5 . The system of  claim 1  wherein the network-based device is selected from a group including a mobile device, a palmtop computer, a laptop computer, a desktop computer, a personal digital assistant, a cellular telephone, a communications device, a wireless telephone, a land-line telephone, a control system, a camera, a scanner, a reader, a television, cable, a facsimile machine, a printer, a pager, and a personal trusted device.  
     
     
         6 . The system of  claim 1  further comprising a database with payment information associated with the user and with an address destination associated with the user, wherein the database is accessible by the financial service provider.  
     
     
         7 . A system comprising: 
 an interface to receive a request associated with a third party at a financial service provider from a network-based device via a network, the network-based device being associated with a user; and    a payment transfer module, responsive to receiving the request, to automatically transfer a payment from the user to the third party via the financial service provider.    
     
     
         8 . The system of  claim 7  wherein the interface is to receive a user identifier, associated with the network-based device, and wherein the payment transfer module is to determine an identity of the user utilizing the user identifier.  
     
     
         9 . The system of  claim 7  wherein the payment is in connection with the request and the financial service provider is to debit a user account and is to credit a third party account accordingly.  
     
     
         10 . The system of  claim 7  further comprising a search interface to accept search criteria from the user and to generate a published listing, wherein the published listing includes at least one offer from the third party, wherein the offer is associated with the request and is selected from a group including a product offered by the third party, a service offered by a third party, and a promotion of the third party.  
     
     
         11 . A method comprising: 
 receiving a request associated with a third party at a financial service provider from a network-based device via a network, the network-based device being associated with a user; and    responsive to receiving the request, automatically transferring a payment from the user to the third party via the financial service provider.    
     
     
         12 . The method of  claim 11  wherein the payment relates to at least one of a product offered by the third party, a service offered by the third party, and a promotion of the third party.  
     
     
         13 . The method of  claim 12  wherein transferring the payment includes the financial service provider debiting an account associated with the user and crediting an account associated with the third party.  
     
     
         14 . The method of  claim 11  wherein the financial services provider verifies the request and sends associated order information to the third party.  
     
     
         15 . The method of  claim 11  wherein the network-based device is selected from a group including a mobile device, a palmtop computer, a laptop computer, a desktop computer, a personal digital assistant, a cellular telephone, a communications device, a telephone with a web browser, a wireless telephone, a land-line telephone, a control system, a camera, a reader, a television, a scanner, a facsimile machine, a printer, a pager, and a personal trusted device.  
     
     
         16 . The method of  claim 11  further comprising establishing a communication session between the user and the financial service provider via the network when the financial service provider receives the request.  
     
     
         17 . The method of  claim 11  further comprising automatically determining user identification at the financial service provider upon receipt of a user identifier associated with the network-based device.  
     
     
         18 . The method of  claim 11  wherein the request comprises a code, the method further comprising using a short messaging service to communicate the request.  
     
     
         19 . The method of  claim 11  further comprising using interactive voice response to communicate the request.  
     
     
         20 . The method of  claim 11  further comprising executing an application on the network-based device, wherein the application is supported by the financial service provider, and submitting the request in response to a prompt associated with the application.  
     
     
         21 . The method of  claim 11  further comprising providing information selected from a group including shipment information and payment confirmation information from the financial service provider to the third party, responsive to receiving the request.  
     
     
         22 . (canceled)  
     
     
         23 . The method of  claim 11  further comprising publishing a listing of at least one offer from the third party, wherein the offer is associated with the request and is selected from a group including a product offered by the third party, a service offered by a third party, and a promotion of the third party.  
     
     
         24 . The method of  claim 23  further comprising accepting search criteria from the user to generate the published listing.  
     
     
         25 . A machine-readable medium storing a sequence of instructions that, when executed by a computer, cause the computer to perform the method of  claim 7 .  
     
     
         26 . A system comprising: 
 means for receiving a request at a financial service provider from a network-based device, the network-based device being associated with a user, the request being associated with a third party; and    means for automatically transferring a payment from the user to the third party via the financial service provider, responsive to receiving the request.    
     
     
         27 . The system of  claim 26  wherein the means for receiving includes an interface receiving the request for a third party offer via a network, wherein the means for automatically transferring includes a payment transfer module, wherein the system further comprises means for sending information selected from the group including shipment information and payment confirmation.  
     
     
         28 . The system of  claim 26  wherein the means for receiving includes a response to a near field communication.