Knobbe, Martens, Olson & Bear LLP
Transaction processing system that applies user-specified rules to divide payment amounts among multiple payment instruments
A network-based transaction processing system allows online users to flexibly and efficiently make payments using a combination of different payment instruments. The system includes a user interface through which each user can define one or more personal payment plans. Each such payment plan specifies a plurality of payment instruments, and includes rules that specify how the monetary amount associated with a transaction is to be divided among these payment instruments. These rules may be non-transaction-specific, such that a user can re-use a payment plan over time to complete multiple transactions. In one embodiment, a user can specify an order in which the payment instruments are to be applied, and can specify per-transaction maximum monetary amounts to be charged to specific instruments.
Amazon.com, Inc.
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Vikas Jeyandran Xiaosi
Gupta Venugopal Li