US 10,949,829 B2Granted

Processing a mobile payload

AssigneeSquare, Inc.

InventorsAlan Paulin, Peter Westen, Shawn Welch, Daniel Federman, Michael Gershunovsky, Ayokunle Omojola

Life of this patent

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Abstract

Disclosed herein are systems and methods for processing a payment request. A mobile device associated with a payor may generate a user interface having two screen portions. The first screen portion may be configured to display received and sent messages and further configured to receive a command to transmit a message. The second screen portion may be configured to access a third-party application and configured to populate a new message with a payload. The mobile device may receive an inputted amount in the second screen portion representing the payment amount. The mobile device may transmit a request including the payor's identification and the payment amount to a third-party Payment Processing System (PPS) and receive a payload from the PPS. The mobile device may populate and transmit a message to the recipient that contains the payload.

Claims20

Dependent claims

A computer-implemented method comprising:

receiving, by a messaging server, from a first messaging application executing on a first mobile device operated by a payor, a request to transmit a payment message,
wherein the payment message comprises an identifier of a second mobile device operated by a payee and further comprises a payload containing a hyperlink and a token string comprising alphanumerical values,
wherein the payload does not comprise the identifier,
wherein a payment processing server generates the payload after receiving a payment request from the first messaging application executing on the first mobile device and transmits the payload to a payment application executing on the first mobile device that then transmits the payload to the first messaging application, wherein the first messaging application inserts the payload into a displayed message field on the first mobile device,
wherein the hyperlink comprises a uniform resource locator that is configured, upon an activation of the hyperlink, to instruct the payment processing server to update a balance value of funds associated with an account data record of the payee;
and
transmitting, by the messaging server, the payment message to a second messaging application executing on the second mobile device, wherein the second messaging application inserts the payment message into a displayed message field on the second mobile device,
wherein the messaging server hosts a messaging service compatible with the first messaging application and the second messaging application.

5 more elements

A computer system comprising:

a first mobile device operated by a payer and executing a first messaging application and a payment application;
a second mobile device operated by a payee and executing a second messaging application and the payment application;
a payment processing server coupled to the first mobile device via the payment application and the first messaging application and to the second mobile device via the payment application;
a messaging server coupled with the first mobile device and the second mobile device via the first messaging application and the second messaging application, wherein the messaging server is configured to:
receive, from the first messaging application executing on the first mobile device operated by a payor, a request to transmit a payment message, wherein the payment message comprises an identifier of a second mobile device operated by a payee and further comprises a payload containing a hyperlink and a token string comprising alphanumerical values, wherein the payload does not comprise the identifier;
and
transmit the payment message to the second messaging application executing on the second mobile device, wherein the second messaging application inserts the payment message into a displayed message field on the second mobile device, wherein the messaging server hosts a messaging service compatible with the first messaging application and the second messaging application, and wherein the payload is received from the payment processing server;
and
wherein the payment processing server is configured to:
generate the payload after receiving a payment request from the first messaging application executing on the first mobile device;
and transmit the payload to the payment application executing on the first mobile device that then transmits the payload to the first messaging application, wherein the first messaging application inserts the payload into a displayed message field on the first mobile device, wherein the hyperlink comprises a uniform resource locator that is configured, upon an activation of the hyperlink, to instruct the payment processing server to update a balance value of funds associated with an account data record of the payee.

8 more elements

Dependencies are inferred from the claim text.

Facts

Application: 15/851,423Filed 21 Dec 2017 · continuation
Priority: 12 Sep 2016
Published: US 2018/0114211 A126 Apr 2018
Granted: 16 Mar 2021
Term ends: Not estimatedThe source records don’t support an estimate.

Classification18 codes

G06Q 20/3223
Aspects of commerce using mobile devices [M-devices]: realising banking transactions through M-devices
G06Q 20/02
Payment architectures, schemes or protocols: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/102
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: bill distribution or payments
G06Q 20/223
Payment schemes or models: based on the use of peer-to-peer networks

Family

Application62/393,504Us provisional application · filed 12 Sep 2016
Application15/282,833Parent of this continuation · filed 30 Sep 2016
US 2018/0114211 A1Pre-grant publication · published 26 Apr 2018
US 9,881,296 B1Parent of this continuation
US 10,949,829 B2This patent

From the US filing history. Foreign family members aren’t listed.