| CPC G06Q 30/0253 (2013.01) [G06Q 20/027 (2013.01); G06Q 20/405 (2013.01); G06Q 30/0272 (2013.01); G06Q 30/0605 (2013.01)] | 20 Claims |
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1. A non-transitory computer-readable medium for storing instructions that, when executed by one or more processors of a network computing system, cause the network computing system to:
a) display a plurality of items for purchase from an e-commerce retailer's website via a graphical user interface on an organizer's computing device connected to said network computing system;
b) provide a plurality of checkout options to said organizer via said graphical user interface upon said organizer's selection of an item from said plurality of items, wherein a co-purchasing method is a checkout option in said plurality of checkout options;
c) prompt said organizer, upon said organizer's selection of said co-purchasing method, to either login to said co-purchasing method via an existing user's account or create a user's account for access to said co-purchasing method to create a co-purchasing campaign for said item;
d) prompt said organizer to select a recipient for said item from a list of said organizer's contacts accessible through said organizer's computing device;
e) providing, using a dynamic link associated with said co-purchase campaign a first image presenting real time information from said co-purchase campaign, said real-time information including at least a total cost of said item, a total amount currently contributed to said co-purchasing campaign, and an expiration date for said co-purchasing campaign, said first image presented to said organizer's computing device and one or more devices of one or more invitees;
f) prompt said organizer to contribute a monetary amount to said co-purchase campaign;
g) share said dynamic link, upon selection by said organizer, via at least one sharing medium with said one or more invitees;
h) prompt an invitee of said one or more of invitees to contribute a second monetary amount to said co-purchase campaign;
i) in response to receiving a contribution from the prompted invitee using the shared dynamic link:
i. storing an updated image of the first image presenting real-time information, the updated image reflecting a current status of the co-purchasing campaign based on the received contribution from said first invitee;
ii. providing, using the dynamic link, the updated image in a URL preview to said organizer's computing device or to one or more devices of one or more invitees other than the prompted invitee;
j) provide a vault for storing at least a first set of data associated with a payment method of a first contributor and a first contributor's amount, and a second set of data associated with a second payment method of said one or more invitees;
k) verify said payment method of said first contributor and said payment method of said invitee through a gateway of said e-commerce retailer via a payment processor of said e-commerce retailer and a first issuing bank for said payment method of said first contributor and a second issuing bank for said second payment method of said one or more invitees;
l) store authorization data for a first contributor's monetary amount from said payment method of said first contributor and said second monetary amount from said second payment method of said one or more invitees such that both said monetary amount and said second monetary amount remain unsettled;
m) process said first contributor's monetary amount and said second monetary amount through said payment processor of said e-commerce retailer, said first issuing bank, and said second issuing bank if said total amount currently contributed meets a threshold amount; and,
n) release, upon expiration of said co-purchasing campaign, said authorization data for said first contributor's monetary amount and said second monetary amount such that said first contributor and said invitee are not charged.
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