Ebay, Incorporated

Paypal, Inc.

James Brett Sowder

Frank Anthony Nuzzi

Sandra Lynn Godsey

Vincent Ng

A method for providing an indication of financial strength includes receiving a financial indicator and a predetermined spending budget status from a user. The predetermined spending budget status is associated with a spending budget for the user that has at least one payment account. The financial indicator is then associated with the predetermined spending budget status. A payment request that includes one of the at least one payment accounts is then received from a merchant. A current spending budget status is then determined using the spending budget and the at least one payment account. The financial indicator is then sent to the merchant for provision to the user in response to the current spending budget status being included in the predetermined spending budget status.

Financial strength indication

A method for providing payer information on a payer device includes providing a payer device that includes at least one physical state change component moveably coupled to the payer device. Payer information is received over a network. The payer information is then determined to be associated with a physical state change instruction in a non-transitory, machine-readable medium of the payer device. The at least one physical state change component is then actuated according to the physical state change instruction to provide the payer information to a payer by changing the physical state of the payer device.

Payer device that changes physical state based on payer information

A method for incentivizing donations using virtual currencies includes determining that a user associated with a game and determining a location of the user. A charity provider is then identified that is both associated with the game and within a predetermined distance of the location. A donation incentivization message is then sent to the user that includes an identification of the charity provider. A plurality of redemption codes are also sent to the charity provider. A first redemption code of the plurality of redemption codes that is associated with the user and a donation from the user to the charity provider is received. The first redemption code is then used to credit a user account that is associated with the user with a virtual currency amount that is determined using the donation.

Donation incentivation system

A method for providing contingent payments includes receiving, from a first user through a user device over a network, a contingent payment request. The contingent payment request is stored in a database. A contingent payment intent is provided on a user profile that is associated with the first user. The user profile is monitored. When it is determined that at least one contingent payment factor in the contingent payment request has been satisfied by a second user, funds are transferred from a user account associated with the first user to a merchant account in order to purchase a first product that is associated with the contingent payment request. In an embodiment, the second user may provide a coupon on the user profile that satisfies the at least one contingent payment factor and results in the purchase of the first product using the user account.

Growing community of inventors

Austin, TX, United States of America

James Brett Sowder