# US 12,223,493 B2 · Systems and methods for communication and negotiation of request for payment over payment networks

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- Number: US 12,223,493 B2
- Document ID: US12223493B2
- Status: Granted
- Kind: B2
- Application number: 18/061,873
- Filed: 2022-12-05
- Published: 2024-06-06
- Granted: 2025-02-11
- Earliest claimed: 2022-12-05
- Assignees: JPMorgan Chase Bank, N.A.
- Applicants: Jpmorgan Chase Bank, N.A.
- Inventors: Raghu Vudathu; Christy Lillie; Joe Martei; Bodhi Hwang
- Web page: https://patentgrep.com/patent/US12223493B2

## CPC

- G06Q 50/188: {Electronic negotiation}
- G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q 20/325: {using wireless networks}
- G06Q 20/326: {Payment applications installed on the mobile devices}
- G06Q 20/386: {using messaging services or messaging apps (using mobile network messaging services for payment, e.g. SMS G06Q20/3255)}
- G06Q 30/06: Buying, selling or leasing transactions
- G06Q 10/40: Business processes related to social networking or social networking services
- 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

A method may include a first party computer program: (1) receiving, a first real-time communication comprising a first offer for a first amount from a second party computer program; (2) partially accepting the first offer, causing first funds to be transferred to a second party account from a first party account; sending a second real-time communication to the second computer program comprising a partial acceptance of the first offer and a second offer for a second amount; (3) receiving, from the second computer program, partial acceptance of the second offer and a third offer for a third amount, causing second funds to be transferred to the second party account from the first party account; and (4) accepting the third offer, causing third funds to be transferred to the second party account associated from the first party account.

## Claims

### Claim 1

A method for communication and negotiation of request for payment over payment networks, comprising:
monitoring, by a first instance of a payment computer program executed on a first electronic device, a first messaging application also executed by the first electronic device associated with a first party;
monitoring, by a second instance of the payment computer program executed on a second electronic device, a second messaging application also executed by the second electronic device associated with a second party, wherein the payment computer program is a distributed computer program;
identifying, by the first instance of the payment computer program, a first real-time communication from the first messaging application to the second messaging application executed by a second electronic device associated with a second party, the first real-time communication comprising a first actionable item comprising a first request for payment of a first amount;
identifying, by the second instance of the payment computer program, a second real-time communication from the second messaging application to the first messaging application, the second real-time communication comprising a second actionable item comprising an offer to pay a second amount that is less than the first amount;
causing, by the second instance of the payment computer program, a payment network to transfer the second amount from an account associated with the second party to an account associated with the first party;
displaying, by the first instance of the payment computer program, a suggestion of a third amount in the first messaging application, wherein the suggestion of the third amount is based on historical negotiations between the first party and the second party;
identifying, by the first instance of the payment computer program, a third real-time communication from the first messaging application to the second messaging application, the third real-time communication comprising a third actionable item comprising a request to pay the third amount, wherein the third amount is greater than the second amount but less than the first amount;
identifying, by the second instance of the payment computer program, a fourth real-time communication from the first messaging application to the second messaging application, the fourth real-time communication comprising a fourth actionable item comprising an agreement to pay the third amount; and
causing, by the second instance of the payment computer program, the payment network to transfer a difference between the third amount and the second amount from the account associated with the second party to the account associated with the first party.

### Claim 2 (depends on 1)

The method of claim 1, wherein the payment network comprises a real time payment network.

### Claim 3 (depends on 1)

The method of claim 1, wherein the second real-time communication comprises a reason for the second amount.

### Claim 4 (depends on 1)

The method of claim 1, wherein the second real-time communication comprises a reason for the second amount.

### Claim 5 (depends on 1)

The method of claim 1, wherein the first instance of the payment computer program is an extension of the first messaging application.

### Claim 6 (depends on 1)

The method of claim 1, further comprising:
identifying, by the first instance of the payment computer program, a sentiment of the first real-time communication and the second real-time communication using natural language processing;
wherein the suggestion of the third amount is further based on the sentiment.

### Claim 7

A system, comprising:
a first electronic device associated with a first party executing a first messaging application;
a second electronic device associated with a second party executing a second messaging application; and
a payment computer program that is distributed as a first instance of the payment computer program that monitors the first messaging application for a real-time messaging communication between the first messaging application and the second messaging application and a second instance of the payment computer program that monitors the second messaging application for the real-time messaging communication;
wherein:
the first instance of the payment computer program identifies a first real-time communication from the first messaging application to the second messaging application comprising a first actionable item comprising a first request for payment of a first amount;
the second instance of the payment computer program identifies a second real-time communication from the second messaging application to the first messaging application comprising a second actionable item comprising an offer to pay a second amount that is less than the first amount;
the second instance of the payment computer program causes a payment network to transfer the second amount from an account associated with the second party to an account associated with the first party;
the first instance of the payment computer program, displays a suggestion of a third amount in the first messaging application, wherein the suggestion of the third amount is based on historical negotiations between the first party and the second party;
the first instance of the payment computer program identifies a third real-time communication from the first messaging application to the second messaging application, the third real-time communication comprising a third actionable item comprising a request to pay the third amount, wherein the third amount is greater than the second amount but less than the first amount;
the second instance of the payment computer program identifies a fourth real-time communication from the first messaging application to the second messaging application, the fourth real-time communication comprising a fourth actionable item comprising an agreement to pay the third amount; and
the second instance of the payment computer program causes the payment network to transfer a difference between the third amount and the second amount from the account associated with the second party to the account associated with the first party.

### Claim 8 (depends on 7)

The system of claim 7, wherein the payment network comprises a real time payment network.

### Claim 9 (depends on 7)

The system of claim 7, wherein the second third real-time communication comprises a reason for the second amount.

### Claim 10 (depends on 7)

The system of claim 7, wherein the first instance of the payment computer program is incorporated into an operating system of the first electronic device.

### Claim 11 (depends on 7)

The system of claim 7, wherein the first instance of the payment computer program is an extension of the first messaging application.

### Claim 12 (depends on 7)

The system of claim 7, wherein the first instance of the payment computer program identifies a sentiment of the first real-time communication and the second real-time communication using natural language processing;
wherein the suggestion of the third amount is further based on the sentiment.