# US 2019/0172027 A1 · Payment facilitation system for facilitating payment for a transaction

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- Number: US 2019/0172027 A1
- Document ID: US20190172027A1
- Status: Published application
- Kind: A1
- Application number: 16/193,124
- Filed: 2018-11-16
- Published: 2019-06-06
- Earliest claimed: 2017-12-04
- Assignees: Mastercard International Incorporated
- Applicants: Mastercard International Incorporated
- Inventors: Ankur Arora; Shreya Mittal; Manish Kumar
- Web page: https://patentgrep.com/patent/US20190172027A1

## CPC

- G06Q 10/40: Business processes related to social networking or social networking services
- G06Q 20/085: {involving remote charge determination or related payment systems}
- G06Q 20/102: {Bill distribution or payments}
- G06Q 20/12: specially adapted for electronic shopping systems
- G06Q 20/18: involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
- G06Q 20/20: Point-of-sale [POS] network systems
- G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit}
- G06Q 20/325: {using wireless networks}
- G06Q 20/388: {using mutual authentication without cards, e.g. challenge-response}
- 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 payment facilitation system for facilitating payment for a transaction, the system comprising one or more processors in communication with non-transitory data storage medium having instructions stored thereon which, when executed by the processor or processors, configure the system to perform the steps of: receiving a check-in notification from a social media system, the notification including customer identification data for one or more customers and merchant identification data; identifying a merchant terminal, the merchant terminal being a merchant terminal of a merchant associated with the merchant identification data; sending an enabled payment notification to the merchant terminal, the enabled payment notification comprising a group identifier associated with the one or more customers; receiving an invoice notification from the merchant terminal, the invoice notification comprising transaction data for the transaction and the group identifier; sending the transaction data to one or more customer devices, each customer device being associated with a respective one of the one or more customers, based on the customer identification data; receiving confirmation to process the transaction, from one of the one or more customer devices; and processing the transaction in response to receiving the confirmation to process the transaction.

## Claims

### Claim 1

A payment facilitation system for facilitating payment for a transaction, the system comprising one or more processors in communication with non-transitory data storage medium having instructions stored thereon which, when executed by the processor or processors, configure the system to perform the steps of:
(a) receiving a check-in notification from a social media system, the notification including:
(i) customer identification data for one or more customers; and
(ii) merchant identification data;
(b) identifying a merchant terminal, the merchant terminal being a merchant terminal of a merchant associated with the merchant identification data;
(c) sending an enabled payment notification to the merchant terminal, the enabled payment notification comprising a group identifier associated with the one or more customers;
(d) receiving an invoice notification from the merchant terminal, the invoice notification comprising:
(i) transaction data for the transaction; and
(ii) the group identifier;
(e) sending the transaction data to one or more customer devices, each customer device being associated with a respective one of the one or more customers, based on the customer identification data;
(f) receiving confirmation to process the transaction, from one of the one or more customer devices; and
(g) processing the transaction in response to receiving the confirmation to process the transaction.

### Claim 2 (depends on 1)

The payment facilitation system claimed in claim 1, wherein the transaction data further comprises one or more of the following:
(i) a total amount associated with an invoice;
(ii) an itemized list of items purchased by the transaction; and
(iii) an amount associated with each item in the itemized list.

### Claim 3 (depends on 2)

The payment facilitation system claimed in claim 2, wherein the transaction data is stored in the non-transitory storage medium and comprises the total amount and, after the step of processing the transaction, the system performs the steps of:
(h) retrieving, from the non-transitory data storage medium, the total amount associated with the invoice;
(i) retrieving, from the non-transitory data storage medium, an amount associated with the processed transaction;
(j) determining if the amount associated with the processed transaction is at least equal to the total amount associated with the invoice;
(k) responsive to a determination that the amount associated with the transaction is less than the total amount to be paid;
(i) determining a remainder amount associated with the invoice by deducting the amount associated with the processed transaction from the total amount associated with the invoice;
(ii) updating the transaction data to include the remainder amount and to reflect the processed transaction;
(iii) sending the updated transaction data to the one or more customer devices;
(iv) receiving confirmation to process the transaction, from at least one of the one or more customer devices; and
(v) processing the transaction in response to receiving the confirmation to process the transaction.

### Claim 4 (depends on 3)

The payment facilitation system claimed in claim 3, further comprising repeating steps (h) to (k) until a total amount associated with the one or more processed transactions is at least equal to the total amount associated with the invoice.

### Claim 5 (depends on 1)

The payment facilitation system claimed in claim 1, wherein the customer identification data includes one or more of the following:
(i) name of each customer;
(ii) image associated with each customer; and
(iii) a unique identifier that uniquely identifies each customer.

### Claim 6 (depends on 1)

The payment facilitation system claimed in claim 1, wherein after the step of receiving a check-in notification, the system performs the steps of:
(i) identifying, from a list of merchants stored in the non-transitory data storage medium, the merchant based on the merchant identification data, to confirm the merchant is a registered merchant; and
(ii) responsive to a determination that the merchant is a registered merchant, performing steps (b) to (g).

### Claim 7 (depends on 1)

The payment facilitation system claimed in claim 1, wherein the merchant terminal is one or more of the following:
(i) computing device;
(ii) mobile computing device; and
(iii) point-of-sales system.

### Claim 8 (depends on 1)

The payment facilitation system claimed in claim 1, wherein the merchant identification data is one or more of the following:
(i) name of merchant;
(ii) location of merchant; and
(iii) a unique identifier that uniquely identifies the merchant.

### Claim 9 (depends on 1)

The payment facilitation system claimed in claim 1, wherein the group identifier is a unique number uniquely identifying a group comprising the one or more customers.

### Claim 10

A payment facilitation method for facilitating payment for a transaction, performed by one or more processors in communication with non-transitory data storage medium having instructions stored thereon which, when executed by the processor or processors, performs the steps of:
(a) receiving a check-in notification from a social media system, the notification including:
(i) customer identification data for one or more customers; and
(ii) merchant identification data;
(b) identifying a merchant terminal, the merchant terminal being a merchant terminal of a merchant associated with the merchant identification data;
(c) sending an enabled payment notification to the merchant terminal, the enabled payment notification comprising a group identifier associated with the one or more customers;
(d) receiving an invoice notification from the merchant terminal, the invoice notification comprising:
(i) transaction data for the transaction; and
(ii) the group identifier;
(e) sending the transaction data to one or more customer devices, each customer device being associated with a respective one of the one or more customers, based on the customer identification data;
(f) receiving confirmation to process the transaction, from one of the one or more customer devices; and
(g) processing the transaction in response to receiving the confirmation to process the transaction.

### Claim 11 (depends on 10)

The payment facilitation method claimed in claim 10, wherein the transaction data further comprises one or more of the following:
(i) a total amount associated with an invoice;
(ii) an itemized list of items purchased by the transaction; and
(iii) an amount associated with each item in the itemized list.

### Claim 12 (depends on 11)

The payment facilitation method claimed in claim 11, wherein the transaction data is stored in the non-transitory storage medium and comprises the total amount and, after the step of processing the transaction, the method further comprising:
(h) retrieving, from the non-transitory data storage medium, the total amount associated with the invoice;
(i) retrieving, from the non-transitory data storage medium, an amount associated with the processed transaction;
(j) determining if the amount associated with the processed transaction is at least equal to the total amount associated with the invoice;
(k) responsive to a determination that the amount associated with the transaction is less than the total amount to be paid;
(i) determining a remainder amount associated with the invoice by deducting the amount associated with the processed transaction from the total amount associated with the invoice;
(ii) updating the transaction data to include the remainder amount and to reflect the processed transaction;
(iii) sending the updated transaction data to the one or more customer devices;
(iv) receiving confirmation to process the transaction, from at least one of the one or more customer devices; and
(v) in response to receiving the confirmation to process the transaction, processing the transaction.

### Claim 13 (depends on 12)

The payment facilitation method claimed in claim 12, further comprising repeating steps (h) to (k) until a total amount associated with the one or more processed transactions is at least equal to the total amount associated with the invoice.

### Claim 14 (depends on 10)

The payment facilitation method claimed in claim 10, wherein the customer identification data includes one or more of the following:
(i) name of each customer;
(ii) image associated with each customer; and
(iii) a unique identifier that uniquely identifies each customer.

### Claim 15 (depends on 10)

The payment facilitation method claimed in claim 10, wherein after the step of receiving a check-in notification, the method further comprising:
(i) identifying, from a list of merchants stored in the non-transitory data storage medium, the merchant based on the merchant identification data, to confirm the merchant is a registered merchant; and
(ii) responsive to a determination that the merchant is a registered merchant, performing steps (b) to (g).

### Claim 16 (depends on 10)

The payment facilitation method claimed in claim 10, wherein the merchant terminal is one or more of the following:
(i) computing device;
(ii) mobile computing device; and
(iii) point-of-sales system.

### Claim 17 (depends on 10)

The payment facilitation method claimed in claim 10, wherein the merchant identification data is one or more of the following:
(i) name of merchant;
(ii) location of merchant; and
(iii) a unique identifier that uniquely identifies the merchant.

### Claim 18 (depends on 10)

The payment facilitation method claimed in claim 10, wherein the group identifier is a unique number uniquely identifying a group comprising the one or more customers.

### Claim 19 (depends on 12)

The payment facilitation method claimed in claim 12, wherein after the step of receiving a check-in notification, the method further comprising:
(i) identifying, from a list of merchants stored in the non-transitory data storage medium, the merchant based on the merchant identification data, to confirm the merchant is a registered merchant; and
(ii) responsive to a determination that the merchant is a registered merchant, performing steps (b) to (g).

### Claim 20

A payment facilitation network for facilitating payment for a transaction, the payment facilitation network comprising:
a payment facilitation system;
a social media system;
a merchant terminal; and
one or more customer devices,
the payment facilitation system, social media system, merchant terminal and one or more customer devices communicating to perform the steps of:
(i) receiving, at the payment facilitation system, a check-in notification sent from the social media system, the notification including:
(A) customer identification data for one or more customers; and
(B) merchant identification data;
(ii) identifying, at the payment facilitation system, the merchant terminal, the merchant terminal being a merchant terminal of a merchant associated with the merchant identification data;
(iii) sending an enabled payment notification, from the payment facilitation system to the merchant terminal, the enabled payment notification comprising a group identifier associated with the one or more customers;
(iv) receiving, at the payment facilitation system, an invoice notification sent from the merchant terminal, the invoice notification comprising:
(A) transaction data for the transaction; and
(B) the group identifier;
(v) sending the transaction data, from the payment facilitation system to the one or more customer devices, each customer device being associated with a respective one of the one or more customers, based on the customer identification data;
(vi) receiving, at the payment facilitation system, confirmation to process the transaction, from one of the one or more customer devices; and
(vii) processing the transaction, at the payment facilitation system in response to receiving the confirmation to process the transaction.