US 12,008,538 B2Granted

Methods, apparatuses, and systems for user account-affiliated payment and billing, consolidated digital biller-payment wallets

AssigneePaymentus Corporation

InventorDushyant Sharma

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Abstract

Described are systems, apparatuses, methods, and computer program products for low-input initiation of user account-affiliated transactions. An example apparatus can comprise a processor and a memory storing program code configured to cause the apparatus to store payor information, authentication information, and account information associated with a payor; store payee information associated with payees; receive, from a payee device or a payor device, a request to initiate a payment, the request comprising information about a payor and payee as well as a payment amount; determine, based at least upon the information about the payor and payee, and the stored information, whether the payment is to a pre-approved payee or merchant with which payor has a pre-existing account; and, in an instance in which the determination is in the affirmative, initiate the payment by providing at least payor and payee information and payment amount a payment processor.

Claims24

Dependent claims

An apparatus configured for secure payment processing, the apparatus comprising:

at least one processor;
and
at least one memory storing instructions thereon that, when executed by the at least one processor, cause the apparatus to perform at least:
storing, in a digital wallet associated with a user, information regarding payment options associated with the user, and information regarding one or more merchant accounts associated with the user;
receiving, from a user device associated with the user, in response to one or more user interactions with a user interface of the user device, a request to initiate a payment between the user and a payee, the request including transaction information comprising one or more of:
merchant account information associated with the payee, biller account information associated with the payee, or user account information associated with the payee;
determining, based upon at least the information regarding one or more merchant accounts associated with the user and the transaction information received with the request to initiate the payment between the user and the payee, whether the payee is associated with a particular merchant account of the one or more merchant accounts associated with the user;
and
in an instance in which the payee is associated with an unaffiliated merchant account other than one of the one or more merchant accounts associated with the user, disallowing initiation of the payment to the payee.

6 more elements

A method for secure payment processing, the method comprising:

storing, in a digital wallet associated with a user, information regarding payment options associated with the user, and information regarding one or more merchant accounts associated with the user;
receiving, from a user device associated with the user, in response to one or more user interactions with a user interface of the user device, a request to initiate a payment between the user and a payee, the request including transaction information comprising one or more of:
merchant account information associated with the payee, biller account information associated with the payee, or user account information associated with the payee;
determining, based upon at least the information regarding one or more merchant accounts associated with the user and the transaction information received with the request to initiate the payment between the user and the payee, whether the payee is associated with a particular merchant account of the one or more merchant accounts associated with the user;
and
in an instance in which the payee is associated with an unaffiliated merchant account other than one of the one or more merchant accounts associated with the user, disallowing initiating the payment to the payee.

3 more elements

A computer program product comprising a non-transitory computer readable medium storing program instructions, the program instructions being operable for causing at least:

storing, in a digital wallet associated with a user, information regarding payment options associated with the user, and information regarding one or more merchant accounts associated with the user;
receiving, from a user device associated with the user, in response to one or more user interactions with a user interface of the user device, a request to initiate a payment between the user and a payee, the request including transaction information comprising one or more of:
merchant account information associated with the payee, biller account information associated with the payee, or user account information associated with the payee;
determining, based upon at least the information regarding one or more merchant accounts associated with the user and the transaction information received with the request to initiate the payment between the user and the payee, whether the payee is associated with a particular merchant account of the one or more merchant accounts associated with the user;
and
in an instance in which the payee is associated with an unaffiliated merchant account other than one of the one or more merchant accounts associated with the user, disallowing initiating the payment to the payee.

3 more elements

Dependencies are inferred from the claim text.

Facts

Application: 17/949,881Filed 21 Sep 2022 · continuation
Priority: 2 Jun 2021
Published: US 2023/0020553 A119 Jan 2023
Granted: 11 Jun 2024
Term ends: Not estimatedThe source records don’t support an estimate.

Classification6 codes

G06Q 20/227
Payment schemes or models: characterised in that multiple accounts are available, e.g. to the payer
G06Q 20/102
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: bill distribution or payments
G06Q 20/363
Using electronic wallets or electronic money safes: with the personal data of a user
G06Q 20/3674
Involving electronic purses or money safes: involving authentication

Family

Application17/336,427Parent of this continuation · filed 2 Jun 2021
US 2023/0020553 A1Pre-grant publication · published 19 Jan 2023
US 11,538,013 B1Parent of this continuation
US 2022/0391872 A1Published application
US 12,008,538 B2This patent

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

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