# US 12,008,576 B2 · Mobile wallet application with payment receipt support > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,008,576 B2 - Document ID: US12008576B2 - Status: Granted - Kind: B2 - Application number: 18/295,992 - Filed: 2023-04-05 - Published: 2023-08-03 - Granted: 2024-06-11 - Earliest claimed: 2017-06-21 - Assignees: Wells Fargo Bank, N.A. - Applicants: Wells Fargo Bank, N.A. - Inventors: Joon Maeng - Web page: https://patentgrep.com/patent/US12008576B2 ## CPC - G06Q 20/20: Point-of-sale [POS] network systems - G06Q 20/405: {Establishing or using transaction specific rules} - G06Q 20/202: {Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR} - G06Q 20/32: using wireless devices - G06Q 20/36: using electronic wallets or electronic money safes - G06Q 20/367: {involving electronic purses or money safes} - G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists - 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 Various examples described herein are directed to systems and methods for managing payments of a first merchant. A mobile wallet application may receive first payment element data describing a first payment element for making a first payment and may determine that the first payment element is to be processed by a limited payment network. The mobile wallet application may send a first payment authorization message to an issuer of the first payment element via the limited payment network. The mobile wallet application may also receive second payment element data describing a second payment element for making a second payment. The mobile wallet application may determine that the second payment element is not to be processed by the limited payment network, and send a second payment authorization message to an issuer of the second payment element via a second payment network. ## Claims ### Claim 1 A system for managing payments of a merchant, the system comprising at least one processor unit and programmed to perform operations comprising: receiving, from a first payer device, first payment element data describing a first payment element for making a first payment from an account associated with the first payment element; determining that the first payment element is processable by a limited payment network and by a general payment network; responsive to determining that the first payment element is processable by the limited payment network and by the general payment network, sending a first payment authorization message to an issuer of the first payment element via the limited payment network; receiving, from a second payer device, second payment element data describing a second payment element for making a second payment from an account associated with the second payment element to the merchant; determining that the second payment element is not to be processed by the limited payment network; and sending a second payment authorization message to an issuer of the second payment element via the general payment network. ### Claim 2 (depends on 1) The system of claim 1, further comprising a point-of-sale (POS) device, wherein the POS device is configured to receive at least one of the first payment element data or the second payment element data. ### Claim 3 (depends on 1) The system of claim 1, the first payment element data being received from a buyer mobile wallet application executing at the first payer device. ### Claim 4 (depends on 1) The system of claim 1, the first payment element data being received from a mobile wallet front end application executing at the first payer device. ### Claim 5 (depends on 1) The system of claim 1, the operations further comprising: receiving an outgoing payment request message, wherein the outgoing payment request message comprises merchant payment element data describing a merchant payment element for making an outgoing payment; and sending, to a receiving computing device, outgoing payment data comprising the merchant payment element data. ### Claim 6 (depends on 5) The system of claim 5, the operations further comprising receiving the outgoing payment request message from a mobile wallet front end application executing at a client computing device in communication with the system. ### Claim 7 (depends on 1) The system of claim 1, wherein sending the first payment authorization message to the issuer of the first payment element via the limited payment network comprises sending the first payment authorization message to a mobile wallet provider system in communication with the system. ### Claim 8 (depends on 1) The system of claim 1, the operations further comprising: determining an issuer of the first payment element; and comparing the issuer of the first payment element to a set of issuers to be processed by the limited payment network. ### Claim 9 A method for managing payments of a merchant, comprising: receiving, by a computing device and from a first payer device, first payment element data describing a first payment element for making a first payment from an account associated with the first payment element; determining, by the computing device, that the first payment element is processable by a limited payment network and by a general payment network; responsive to determining that the first payment element is processable by the limited payment network and by the general payment network, sending, by the computing device, a first payment authorization message to an issuer of the first payment element via the limited payment network; receiving, by the computing device and from a second payer device, second payment element data describing a second payment element for making a second payment from an account associated with the first payment element to the merchant; determining, by the computing device, that the second payment element is not to be processed by the limited payment network; and sending, by the computing device, a second payment authorization message to an issuer of the second payment element via the general payment network. ### Claim 10 (depends on 9) The method of claim 9, further comprising: receiving the first payment element data by a point-of-sale (POS) device; and sending the first payment element data by the POS device to the computing device. ### Claim 11 (depends on 9) The method of claim 9, further comprising receiving the first payment element data from a mobile wallet front end application executing at the first payer device. ### Claim 12 (depends on 9) The method of claim 9, further comprising: receiving, by the computing device, an outgoing payment request message, wherein the outgoing payment request message comprises merchant payment element data describing a merchant payment element for making an outgoing payment; and sending, by the computing device and to a receiving computing device, outgoing payment data comprising the merchant payment element data. ### Claim 13 (depends on 12) The method of claim 12, further comprising receiving, by the computing device, the outgoing payment request message from a mobile wallet front end application executing at a client computing device in communication with the computing device. ### Claim 14 (depends on 9) The method of claim 9, further comprising: receiving, by the computing device, third payment element data describing a third payment element for making a third payment; determining, by the computing device, that the third payment element is to be processed by the limited payment network; and sending, by the computing device, a third payment authorization message to an issuer of the third payment element via the limited payment network. ### Claim 15 (depends on 9) The method of claim 9, wherein sending the first payment authorization message to the issuer of the first payment element via the limited payment network comprises sending the first payment authorization message to a mobile wallet provider system associated with the computing device. ### Claim 16 (depends on 9) The method of claim 9, wherein determining that the first payment element is to be processed by the limited payment network comprises: determining an issuer of the first payment element; and comparing the issuer of the first payment element to a set of issuers to be processed by the limited payment network. ### Claim 17 A non-transitory machine-readable medium comprising instructions thereon that, when executed by a processor unit, cause the processor unit to execute operations comprising: receiving, from a first payer device, first payment element data describing a first payment element for making a first payment from an account associated with the first payment element; determining that the first payment element is processable by a limited payment network and by a general payment network; responsive to determining that the first payment element is processable by the limited payment network and by the general payment network, sending a first payment authorization message to an issuer of the first payment element via the limited payment network; receiving, from a second payer device, second payment element data describing a second payment element for making a second payment from an account associated with the second payment element; determining that the second payment element is not to be processed by the limited payment network; and sending a second payment authorization message to an issuer of the second payment element via the general payment network. ### Claim 18 (depends on 17) The non-transitory machine-readable medium of claim 17, the operations further comprising receiving the first payment element data from a from a mobile wallet front end application executing at the first payer device. ### Claim 19 (depends on 17) The non-transitory machine-readable medium of claim 17, the operations further comprising receiving the first payment element data from a point-of-sale (POS) device. ### Claim 20 (depends on 17) The non-transitory machine-readable medium of claim 17, the operations further comprising receiving the first payment element data from a mobile wallet front end application executing at the first payer device.