# US 10,372,712 B2 · Converged merchant processing apparatuses, methods and systems > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,372,712 B2 - Document ID: US10372712B2 - Status: Granted - Kind: B2 - Application number: 15/017,845 - Filed: 2016-02-08 - Published: 2016-08-11 - Granted: 2019-08-06 - Earliest claimed: 2015-02-08 - Assignees: Visa International Service Association - Applicants: Visa International Service Association - Inventors: Thomas Purves; Raul Leyva; Alan Johnson; John C. Wang - Web page: https://patentgrep.com/patent/US10372712B2 ## CPC - G06F 16/24573: {using data annotations, e.g. user-defined metadata} - G06Q 20/227: {characterised in that multiple accounts are available, e.g. to the payer} - G06Q 20/36: using electronic wallets or electronic money safes - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## 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. ## Claims ### Claim 1 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. ### Claim 2 (depends on 1) The method of claim 1, wherein payment information required for creating a checkout account is obtained from a merchant with whom the user is transacting. ### Claim 3 (depends on 1) The method of claim 1, wherein payment information is provided from currently entered information that was entered for a purpose different from creating a checkout account. ### Claim 4 (depends on 1) The method of claim 1, wherein if the card information is known to the payment service provider but not the merchant, then the user logs into the payment service provider and selects a card on file. ### Claim 5 (depends on 1) The method of claim 1, wherein if the card information is known to the merchant but not to the payment service provider, then the user requests the merchant transmit the card information to the payment service provider to create and link to a checkout account. ### Claim 6 (depends on 1) The method of claim 1, wherein if the card information is known to neither the merchant nor the payment service provider, then payment information entered by the user is used to create a checkout account. ### Claim 7 (depends on 6) The method of claim 6, wherein the payment information was entered by the user while checking out or adding a card to a merchant app. ### Claim 8 (depends on 1) The method of claim 1, wherein if the card information is known to both the merchant nor the payment service provider, then the user logs into the payment service provider to select a card on file for subsequent use. ### Claim 9 (depends on 1) The method of claim 1, wherein the checkout interface provided by the payment service provider is integrated with a merchant application for providing users with a consistent way to setup, link, and use checkout accounts of the payment service provider with the merchant product. ### Claim 10 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. ### Claim 11 (depends on 10) The system of claim 10, wherein payment information required for creating a checkout account is obtained from a merchant with whom the user is transacting. ### Claim 12 (depends on 10) The system of claim 10, wherein payment information is provided from currently entered information that was entered for a purpose different from creating a checkout account. ### Claim 13 (depends on 10) The system of claim 10, wherein if the card information is known to the payment service provider but not the merchant, then the user logs into the payment service provider and selects a card on file. ### Claim 14 (depends on 10) The system of claim 10, wherein if the card information is known to the merchant but not to the payment service provider, then the user requests the merchant transmit the card information to the payment service provider to create and link to a checkout account. ### Claim 15 (depends on 10) The system of claim 10, wherein if the card information is known to neither the merchant nor the payment service provider, then payment information entered by the user is used to create a checkout account. ### Claim 16 (depends on 15) The system of claim 15, wherein the payment information was entered by the user while checking out or adding a card to a merchant app. ### Claim 17 (depends on 10) The system of claim 10, wherein if the card information is known to both the merchant nor the payment service provider, then the user logs into the payment service provider to select a card on file for subsequent use. ### Claim 18 (depends on 10) The system of claim 10, wherein the checkout interface provided by the payment service provider is integrated with a merchant application. ### Claim 19 (depends on 18) The system of claim 18, wherein the checkout interface provided by the payment service provider is integrated with the merchant application for providing users with a consistent way to setup, link, and use checkout accounts of the payment service provider with the merchant product. ### Claim 20 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.