The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Dec. 22, 2015
Filed:
Nov. 09, 2012
International Business Machines Corporation, Armonk, NY (US);
Venkatraman Ramakrishna, New Delhi, IN;
Apurva Kumar, Uttar Pradesh, IN;
Sougata Mukherjea, New Delhi, IN;
International Business Machines Corporation, Armonk, NY (US);
Abstract
Techniques, a system and an article of manufacture for social network-assisted electronic payments. A method includes determining one or more members of a user's social network to query for a financial contribution towards payment of a real-time transaction between the user and a merchant, querying said one or more members in an order based on descending likelihood of member financial contribution until sufficient funds for payment of the transaction are received or all of said one or more members have been queried, and processing a money transfer from the user and/or each of said one or more members to the merchant to complete the real-time transaction.