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US 10,372,712 B2Granted
Converged merchant processing apparatuses, methods and systems
AssigneeVisa International Service Association
InventorsThomas Purves, Raul Leyva, Alan Johnson, John C. Wang
Life of this patent
Estimating the term…
Abstract
The CONVERGED MERCHANT PROCESSING APPARATUSES, METHODS AND SYSTEMS (“CMP”) facilitates the generation of user accounts with merchants. The user may be logged into an electronic wallet or issuer account, and may initiate an account generation process with a one-click mechanism. The CMP may provide information to the merchant in order to facilitate the generation of the account after receiving data from the electronic wallet or issuer.
Claims20
A computerized method for adding a payment option to a payment service provider, comprising:
- identifying, by a computer system associated with a merchant, payment information stored within a profile of a user, wherein the payment information is collected from a payment device at a physical store of the merchant during processing of a transaction, wherein the merchant is the custodian of the profile and operates the physical store;
- transmitting the identified payment information to a payment service provider via a computer network;
- querying based on the merchant, by the computer system, a database of the payment service provider for a user account associated with the user for a membership with an online account with the merchant;
- in response to identifying the user account, retrieving, by the computer system, user information associated with the user account, said user information including an address information associated with the user and a mobile device associated with the user;
- determining, by the computer system, that the user account associated with the payment service provider does not contain the payment information;
- transmitting, by the computer system, a computer-executable command to the mobile device in response to the determination that the user account associated with the payment service provider does not contain the payment information;
- wherein the computer-executable command, in response to execution by the mobile device, triggers displaying of graphical user interface (GUI) on the mobile device to the user so that the user interacts with the computer system;
- receiving, by the computer system, a user request to cause the payment service provider to add a payment option to the user account based on the payment information;
- and
- transmitting, by the computer system, the payment information to the payment service provider in response to the received request and complete the transaction.
7 more elements
A computer-implemented system for adding a payment option to a payment service provider, comprising:
- a memory;
- and
- one or more processors disposed in communication with the memory and configured to issue processing instructions stored in the memory to:
- identify, by a computer system associated with a merchant, payment information stored within a profile of a user, wherein the payment information is collected from a payment device at a physical store of the merchant during processing of a transaction, wherein the merchant is the custodian of the profile and operates the physical store;
- transmit the identified payment information to a payment service provider via a computer network;
- query based on the merchant, by the computer system, a database of the payment service provider for a user account associated with the user for a membership with an online account with the merchant;
- in response to identifying the user account, retrieve, by the computer system, user information associated with the user account, said user information including an address information associated with the user and a mobile device associated with the user;
- determine, by the computer system, that the user account associated with the payment service provider does not contain the payment information;
- transmit, by the computer system, a computer-executable command to the mobile device in response to the determination that the user account associated with the payment service provider does not contain the payment information;
- wherein the computer-executable command, in response to execution by the mobile device, triggers displaying of graphical user interface (GUI) on the mobile device to the user so that the user interacts with the computer system;
- receive, by the computer system, a user request to cause the payment service provider to add a payment option to the user account based on the payment information;
- and
- transmit, by the computer system, the payment information to the payment service provider in response to the received request and complete the transaction.
10 more elements
A processor-readable non-transitory medium storing processor-issuable instructions to:
- identify, by a computer system associated with a merchant, payment information stored within a profile of a user, wherein the payment information is collected from a payment device at a physical store of the merchant during processing of a transaction, wherein the merchant is the custodian of the profile and operates the physical store;
- transmit the identified payment information to a payment service provider via a computer network;
- query based on the merchant, by the computer system, a database of the payment service provider for a user account associated with the user for a membership with an online account with the merchant;
- in response to identifying the user account, retrieve, by the computer system, user information associated with the user account, said user information including an address information associated with the user and a mobile device associated with the user;
- determine, by the computer system, that the user account associated with the payment service provider does not contain the payment information;
- transmitting, by the computer system, a computer-executable command to the mobile device in response to the determination that the user account associated with the payment service provider does not contain the payment information;
- wherein the computer-executable command, in response to execution by the mobile device, triggers displaying of graphical user interface (GUI) on the mobile device to the user so that the user interacts with the computer system;
- receive, by the computer system, a user request to cause the payment service provider to add a payment option to the user account based on the payment information;
- and
- transmit, by the computer system, the payment information to the payment service provider in response to the received request and complete the transaction.
7 more elements
Dependencies are inferred from the claim text.