US 12,705,589 B1Granted

Facilitating payments for merchants that use multiple payment service providers

AssigneeBlock, Inc.

InventorsBehroz Saadat, Andrew Steele, Dean Papastrat, Pritesh Bodalia, Deepkarn Bedi

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Abstract

Facilitating payments for merchants that use multiple payment service providers (PSPs) is described. A first request may be received to establish a first on-file grant, wherein the first request indicates a first PSP used by a merchant. A request to associate a second PSP with the merchant may be received from a merchant device of the merchant, and a group association between the merchant, the first PSP, and the second PSP may be stored. A second request indicating that a transaction will be processed using the second PSP may be received, and, based on the group association, it may be determined that an identifier associated with a user account of a user can be used for the transaction. A second on-file grant may be established, and a response to the second request may be sent to indicate approval to use the identifier for payment of the transaction.

Claims20

Dependent claims

A computer-implemented method comprising:

receiving, based on an input provided by a user, a first request to establish an on-file grant to enable a merchant to use an identifier associated with a user account of the user to process payments for future transactions, wherein the identifier is to be used as a payment proxy in lieu of payment data for paying for the future transactions, and wherein the first request indicates a first payment service provider (PSP) used by the merchant for processing payments;
creating, in a data structure, a first association between the user, the merchant, and the first PSP to establish the on-file grant;
receiving, from a merchant device of the merchant, a request to associate a second PSP with the merchant;
creating, in the data structure, a group association between the merchant, the first PSP, and the second PSP, wherein the group association enables the identifier to be used for the future transactions (i) regardless of whether the merchant uses the first PSP or the second PSP and (ii) without requiring the user to provide an additional input to establish an additional on-file grant to enable the merchant to use the identifier to process payments using the second PSP;
receiving a second request to use the identifier for a new transaction with the merchant, wherein the second request indicates that the new transaction will be processed using the second PSP;
determining, based on the group association, that the identifier can be used for the new transaction with the merchant;
creating, in the data structure, a second association between the user, the merchant, and the second PSP to establish the additional on-file grant;
and
sending a response to the second request indicating approval to use the identifier for payment of the new transaction.

6 more elements

A system comprising:

one or more processors;
and
memory storing computer-executable instructions that, when executed by the one or more processors, cause the one or more processors to perform operations comprising:
receiving a first request to establish a first on-file grant to enable a merchant to use an identifier associated with a user account of a user to process payments for future transactions, wherein the identifier is to be used as a payment proxy in lieu of payment data for paying for the future transaction, and wherein the first request indicates a first payment service provider (PSP) used by the merchant for processing payments;
storing, in a data structure, a first association between the user, the merchant, and the first PSP to establish the first on-file grant;
receiving, from a merchant device of the merchant, a request to associate a second PSP with the merchant;
storing, in the data structure, a group association between the merchant, the first PSP, and the second PSP;
receiving a second request to use the identifier for a transaction with the merchant, wherein the second request indicates that the transaction will be processed using the second PSP;
determining, based at least in part on the group association, that the identifier can be used for the transaction with the merchant;
storing, in the data structure, a second association between the user, the merchant, and the second PSP to establish a second on-file grant;
and
sending a response to the second request indicating approval to use the identifier for payment of the transaction.

9 more elements

A computer-implemented method comprising:

receiving a first request to establish a first on-file grant to enable a merchant to use an identifier associated with a user account of a user to process payments for future transactions, wherein the identifier is to be used as a payment proxy in lieu of payment data for paying for future transactions, and wherein the first request indicates a first payment service provider (PSP) used by the merchant for processing payments;
storing, in a data structure, a first association between the user, the merchant, and the first PSP to establish the first on-file grant;
receiving, from a merchant device of the merchant, a request to associate a second PSP with the merchant;
storing, in the data structure, a group association between the merchant, the first PSP, and the second PSP;
receiving a second request to use the identifier for a transaction with the merchant, wherein the second request indicates that the transaction will be processed using the second PSP;
determining, based on the group association, that the identifier can be used for the transaction with the merchant;
storing, in the data structure, a second association between the user, the merchant, and the second PSP to establish a second on-file grant;
and
sending a response to the second request indicating approval to use the identifier for payment of the transaction.

6 more elements

Dependencies are inferred from the claim text.