# US 12,182,786 B2 · Apparatuses and methods for payment for consumable content

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- Number: US 12,182,786 B2
- Document ID: US12182786B2
- Status: Granted
- Kind: B2
- Application number: 18/402,288
- Filed: 2024-01-02
- Published: 2024-04-25
- Granted: 2024-12-31
- Earliest claimed: 2019-08-22
- Assignees: Wells Fargo Bank, N.A.
- Applicants: Wells Fargo Bank, N.A.
- Inventors: Shane Duncan Eaton; Daniel Alexander David; Loftlon Worth; Hunter Doolittle; Todd Klapprodt
- Web page: https://patentgrep.com/patent/US12182786B2

## CPC

- G06Q 20/123: {Shopping for digital content}
- G06Q 20/1235: {with control of digital rights management [DRM]}
- G06F 16/90335: {Query processing}
- G06Q 20/102: {Bill distribution or payments}
- G06Q 20/3224: {Transactions dependent on location of M-devices}
- G06Q 20/4015: {using location information}
- G06Q 20/405: {Establishing or using transaction specific rules}
- G06Q 30/06: Buying, selling or leasing transactions
- 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
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)

## Abstract

Methods, apparatuses, and computer program products are disclosed for effectuating payment for consumable content. An example method includes receiving a request for payment associated with a content source device and identifying a first user device associated with a first user accessing consumable content of the content source device. The method further includes transmitting an actionable payment notification to the first user device. In an instance in which the computing device receives responsive authorization from the first user device, the method includes transmitting a first real-time payment to the content source device. In an instance in which the computing device fails to receive responsive authorization from the first user device, the method includes causing access of the consumable content to the first user device to halt.

## Claims

### Claim 1

A real-time payment system, comprising:
a content source device streaming consumable content associated with a live event;
a first user device associated with a first user;
a second user device associated with a second user; and
a real-time payment server, wherein the real-time payment server is communicatively coupled, via a network, to the content source device, the first user device, and the second user device, wherein the real-time payment server comprises:
contextual analysis circuitry configured to determine that the first user device is within a threshold proximity of the second user device;
content evaluation circuitry configured to identify that the first user device is accessing the consumable content;
payment circuitry configured to:
transmit an actionable payment notification to the second user device; and
transmit a real-time payment to the content source device in an instance in which the real-time payment server receives a responsive authorization from the second user device, wherein the responsive authorization is in response to the actionable payment notification; and
access circuitry configured to:
cause access of the consumable content to the first user device to be maintained in an instance in which the real-time payment server receives the responsive authorization from the second user device, and
cause access of the consumable content to the first user device to halt in an instance in which the real-time payment server fails to receive the responsive authorization from the second user device.

### Claim 2 (depends on 1)

The real-time payment system according to claim 1, wherein the contextual analysis circuitry is further configured to:
query a content access database to identify transaction data; and
determine, based on the transaction data, that the first user device is associated with a ticket purchase to allow access to the consumable content.

### Claim 3 (depends on 1)

The real-time payment system according to claim 1, further comprising:
communications circuitry configured to receive a request for payment from the content source device, wherein the request for payment relates to the first user device and the second user device.

### Claim 4 (depends on 3)

The real-time payment system according to claim 3, wherein the request for payment further comprises a payment threshold.

### Claim 5 (depends on 4)

The real-time payment system according to claim 4, wherein the access circuitry is further configured to cause access of the consumable content to the first user device to halt in an instance in which the responsive authorization from the second user device and a ticket purchase of the first user device fail to satisfy the payment threshold.

### Claim 6 (depends on 1)

The real-time payment system according to claim 1,
wherein the access circuitry is further configured to provide access to the consumable content to a third user device associated with a third user; and
wherein the content evaluation circuitry is further configured to identify the third user device associated with the third user accessing the consumable content of the content source device.

### Claim 7 (depends on 6)

The real-time payment system according to claim 6, wherein the payment circuitry is further configured to:
transmit a second actionable payment notification to the third user device; and
transmit a second real-time payment to the content source device in an instance in which the real-time payment server receives a second responsive authorization from the third user device, and
wherein the access circuitry is further configured to:
cause access of the consumable content to the third user device to be maintained in an instance in which the real-time payment server receives the second responsive authorization from the third user device; and
cause access of the consumable content to the third user device to halt in an instance in which the real-time payment server fails to receive the second responsive authorization from the third user device.

### Claim 8 (depends on 1)

The real-time payment system according to claim 1, wherein the payment circuitry is further configured to:
compile a first real-time payment associated with a ticket purchase and a second real-time payment; and
cause return of the first real-time payment to the first user device and return of the second real-time payment to the second user device in an instance in which the first real-time payment and second real-time payment fail to satisfy a payment threshold.

### Claim 9

A computer-implemented method performed by a real-time payment server of a real-time payment system, the computer-implemented method comprising:
determining, via contextual analysis circuitry, that a first user device is within a threshold proximity of a second user device;
identifying, via content evaluation circuitry, that the first user device is accessing consumable content associated with a live event streaming from a content source device;
causing transmission, via payment circuitry, of an actionable payment notification to the second user device;
causing transmission, via the payment circuitry, of a real-time payment to the content source device in an instance in which the real-time payment server receives a responsive authorization from the second user device, wherein the responsive authorization is in response to the actionable payment notification;
causing, via access circuitry, access of the consumable content to the first user device to be maintained in an instance in which the real-time payment server receives the responsive authorization from the second user device; and
causing, via the access circuitry, access of the consumable content to the first user device to halt in an instance in which the real-time payment server fails to receive the responsive authorization from the second user device.

### Claim 10 (depends on 9)

The computer-implemented method according to claim 9, further comprising:
querying, via the contextual analysis circuitry, a content access database to identify transaction data; and
determining, via the contextual analysis circuitry and based on the transaction data, that the first user device is associated with a ticket purchase to allow access to the consumable content.

### Claim 11 (depends on 9)

The computer-implemented method according to claim 9, further comprising:
receiving, via communications circuitry, a request for payment from the content source device, wherein the request for payment relates to the first user device and the second user device.

### Claim 12 (depends on 11)

The computer-implemented method according to claim 11, wherein the request for payment further comprises a payment threshold.

### Claim 13 (depends on 12)

The computer-implemented method according to claim 12, further comprising:
causing, via the access circuitry, access of the consumable content to the first user device to halt in an instance in which the responsive authorization from the second user device and a ticket purchase of the first user device fail to satisfy the payment threshold.

### Claim 14 (depends on 9)

The computer-implemented method according to claim 9, further comprising:
providing, via the access circuitry, access to the consumable content to a third user device associated with a third user; and
identifying, via the content evaluation circuitry, the third user device associated with the third user accessing the consumable content of the content source device.

### Claim 15 (depends on 14)

The computer-implemented method according to claim 14, further comprising:
causing transmission, via the payment circuitry, of a second actionable payment notification to the third user device;
causing transmission, via the payment circuitry, a second real-time payment to the content source device in an instance in which the real-time payment server receives a second responsive authorization from the third user device;
causing, via the access circuitry, access of the consumable content to the third user device to be maintained in an instance in which the real-time payment server receives the second responsive authorization from the third user device; and
causing, via the access circuitry, access of the consumable content to the third user device to halt in an instance in which the real-time payment server fails to receive the second responsive authorization from the third user device.

### Claim 16 (depends on 9)

The computer-implemented method according to claim 9, further comprising:
compiling, via the payment circuitry, a first real-time payment associated with a ticket purchase and a second real-time payment; and
causing, via the payment circuitry, return of the first real-time payment to the first user device and return of the second real-time payment to the second user device in an instance in which the first real-time payment and second real-time payment fail to satisfy a payment threshold.

### Claim 17

A non-transitory computer-readable storage medium storing instructions that, when executed, cause a real-time payment server of a real-time payment system to:
determine that a first user device is within a threshold proximity of a second user device;
identify that the first user device is accessing consumable content associated with a live event streaming from a content source device;
cause transmission of an actionable payment notification to the second user device;
cause transmission of a real-time payment to the content source device in an instance in which the real-time payment server receives a responsive authorization from the second user device, wherein the responsive authorization is in response to the actionable payment notification;
cause access of the consumable content to the first user device to be maintained in an instance in which the real-time payment server receives the responsive authorization from the second user device; and
cause access of the consumable content to the first user device to halt in an instance in which the real-time payment server fails to receive the responsive authorization from the second user device.

### Claim 18 (depends on 17)

The non-transitory computer-readable storage medium according to claim 17, wherein the instructions, when executed, further cause the real-time payment server to:
query a content access database to identify transaction data; and
determine, based on the transaction data, that the first user device is associated with a ticket purchase to allow access to the consumable content.

### Claim 19 (depends on 17)

The non-transitory computer-readable storage medium according to claim 17, wherein the instructions, when executed, further cause the real-time payment server to:
receive a request for payment from the content source device, wherein the request for payment relates to the first user device and the second user device.

### Claim 20 (depends on 19)

The non-transitory computer-readable storage medium according to claim 19, wherein the request for payment further comprises a payment threshold.