# US 12,008,538 B2 · Methods, apparatuses, and systems for user account-affiliated payment and billing, consolidated digital biller-payment wallets > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,008,538 B2 - Document ID: US12008538B2 - Status: Granted - Kind: B2 - Application number: 17/949,881 - Filed: 2022-09-21 - Published: 2023-01-19 - Granted: 2024-06-11 - Earliest claimed: 2021-06-02 - Assignees: Paymentus Corporation - Applicants: Paymentus Corporation - Inventors: Dushyant Sharma - Web page: https://patentgrep.com/patent/US12008538B2 ## CPC - G06Q 20/227: {characterised in that multiple accounts are available, e.g. to the payer} - G06Q 20/102: {Bill distribution or payments} - G06Q 20/363: {with the personal data of a user} - G06Q 20/3674: {involving authentication} - G06Q 20/405: {Establishing or using transaction specific rules} - 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 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. ## Claims ### Claim 1 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. ### Claim 2 (depends on 1) The apparatus of claim 1, wherein the instructions stored on the at least one memory, when executed by the at least one processor, further cause the apparatus to perform at least: storing user payment preferences associated with the one or more merchant accounts and the payment options. ### Claim 3 (depends on 2) The apparatus of claim 2, wherein the instructions stored on the at least one memory, when executed by the at least one processor, further cause the apparatus to perform at least: determining, based upon at least the user payment preferences, the one or more payment option from among the payment options to be used for the payment; and providing, to a payment processor, sufficient information regarding the one or more payment options to cause the payment processor to carry out a financial transfer between the one or more payment options associated with the user and the particular merchant account of the one or more merchant accounts associated with the user. ### Claim 4 (depends on 1) The apparatus of claim 1, wherein the instructions stored on the at least one memory, when executed by the at least one processor, further cause the apparatus to perform at least: storing merchant transaction requirements associated with the one or more merchant accounts, the merchant transaction requirements comprising one of: one or more allowed types of payment source, or one or more disallowed types of payment source. ### Claim 5 (depends on 4) The apparatus of claim 4, wherein the instructions stored on the at least one memory, when executed by the at least one processor, further cause the apparatus to perform at least: determining, based upon at least the merchant transaction requirements, the one or more payment options from among the payment options to be used for the payment; and providing, to a payment processor, sufficient information regarding the one or more payment options from among the payment options to cause the payment processor to carry out a financial transfer between the one or more payment options associated with the user and the particular merchant account of the one or more merchant accounts associated with the user. ### Claim 6 (depends on 1) The apparatus of claim 1, wherein the instructions stored on the at least one memory, when executed by the at least one processor, further cause the apparatus to perform at least: in an instance in which the determination is in the affirmative, providing a notification to a user device or a device associated with said particular merchant account that the payment has been initiated. ### Claim 7 (depends on 1) The apparatus of claim 1, wherein the instructions stored on the at least one memory, when executed by the at least one processor, further cause the apparatus to perform at least: in an instance in which the determination is in the negative, providing a notification to a user device or a device associated with said particular merchant account that the payment is disallowed and refrain from initiating the payment with the payment processor. ### Claim 8 (depends on 1) The apparatus of claim 1, wherein the instructions stored on the at least one memory, when executed by the at least one processor, further cause the apparatus to perform at least: in an instance in which the payee is associated with a particular merchant account of the one or more merchant accounts associated with the user, initiating the payment to the payee according to one or more of the payment options associated with the user. ### Claim 9 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. ### Claim 10 (depends on 9) The method of claim 9, further comprising: storing user payment preferences associated with the one or more merchant accounts and the payment options. ### Claim 11 (depends on 10) The method of claim 10, further comprising: determining, based upon at least the user payment preferences, the one or more payment options from among the payment options to be used for the payment; and providing, to a payment processor, sufficient information regarding the one or more payment options from among the payment options to cause the payment processor to carry out a financial transfer between the one or more payment options associated with the user and the particular merchant account of the one or more merchant accounts associated with the user. ### Claim 12 (depends on 9) The method of claim 9, further comprising: storing merchant transaction requirements associated with the one or more merchant accounts, the merchant transaction requirements comprising one of: one or more allowed types of payment source, or one or more disallowed types of payment source. ### Claim 13 (depends on 12) The method of claim 12, further comprising: determining, based upon at least the merchant transaction requirements, the one or more payment options from among the payment options to be used for the payment; and providing, to a payment processor, sufficient information regarding the one or more payment options from among the payment options to cause the payment processor to carry out a financial transfer between the one or more payment options associated with the user and the particular merchant account of the one or more merchant accounts associated with the user. ### Claim 14 (depends on 9) The method of claim 9, further comprising: in an instance in which the determination is in the affirmative, providing a notification to a user device or a device associated with said particular merchant account that the payment has been initiated. ### Claim 15 (depends on 9) The method of claim 9, further comprising: in an instance in which the determination is in the negative, providing a notification to a user device or a device associated with said particular merchant account that the payment is disallowed and refraining from initiating the payment with the payment processor. ### Claim 16 (depends on 9) The method of claim 9, further comprising: in an instance in which the payee is associated with a particular merchant account of the one or more merchant accounts associated with the user, initiating the payment to the payee according to one or more of the payment options associated with the user. ### Claim 17 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. ### Claim 18 (depends on 17) The computer program product of claim 17, wherein the program instructions are further operable for causing at least: storing user payment preferences associated with the one or more merchant accounts and the payment options. ### Claim 19 (depends on 18) The computer program product of claim 18, wherein the program instructions are further operable for causing at least: determining, based upon at least the user payment preferences, the one or more payment options from among the payment options to be used for the payment; and providing, to a payment processor, sufficient information regarding the one or more payment options from among the payment options to cause the payment processor to carry out a financial transfer between the one or more payment options associated with the user and the particular merchant account of the one or more merchant accounts associated with the user. ### Claim 20 (depends on 17) The computer program product of claim 17, wherein the program instructions are further operable for causing at least: storing merchant transaction requirements associated with the one or more merchant accounts, the merchant transaction requirements comprising one of: one or more allowed types of payment source, or one or more disallowed types of payment source. ### Claim 21 (depends on 20) The computer program product of claim 20, wherein the program instructions are further operable for causing at least: determining, based upon at least the merchant transaction requirements, the one or more payment options from among the payment options to be used for the payment; and providing, to a payment processor, sufficient information regarding the one or more payment options from among the payment options to cause the payment processor to carry out a financial transfer between the one or more payment options associated with the user and the particular merchant account of the one or more merchant accounts associated with the user. ### Claim 22 (depends on 17) The computer program product of claim 17, wherein the program instructions are further operable for causing at least: in an instance in which the determination is in the affirmative, providing a notification to a user device or a device associated with said particular merchant account that the payment has been initiated. ### Claim 23 (depends on 22) The computer program product of claim 22, wherein the program instructions are further operable for causing at least: in an instance in which the determination is in the negative, providing a notification to a user device or a device associated with said particular merchant account that the payment is disallowed and refrain from initiating the payment with the payment processor. ### Claim 24 (depends on 17) The computer program product of claim 17, wherein the program instructions are further operable for causing at least: in an instance in which the payee is associated with a particular merchant account of the one or more merchant accounts associated with the user, initiating the payment to the payee according to one or more of the payment options associated with the user.