# US 2019/0172028 A1 · Leverage Immediate Payments for Online or POS Retail Sales

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- Number: US 2019/0172028 A1
- Document ID: US20190172028A1
- Status: Published application
- Kind: A1
- Application number: 15/828,714
- Filed: 2017-12-01
- Published: 2019-06-06
- Earliest claimed: 2017-12-01
- Assignees: International Business Machines Corporation
- Applicants: International Business Machines Corporation
- Inventors: Sean Dunne; Michael J. Hudson
- Web page: https://patentgrep.com/patent/US20190172028A1

## CPC

- G06Q 20/0855: {involving a third party}
- G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q 20/3223: {Realising banking transactions through M-devices}
- 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

An approach is disclosed that has a merchant receive a purchase request that includes a purchase amount. The merchant creates a payment template that includes the purchase amount and the merchant's bank account information. The payment template is provided the customer, and then the merchant receives a completion notification of the purchase request from a trusted third party, such as the merchant's financial institution.

## Claims

### Claim 1

A method, implemented by an information handling system that includes a processor and a memory accessible by the processor, the method comprising:
receiving, at a merchant, a purchase request that includes a purchase amount;
creating a payment template that includes the purchase amount and one or more merchant bank account identifiers;
providing the payment template to a customer; and
receiving, at the merchant, a notification of a completion of the purchase request from a trusted third party.

### Claim 2 (depends on 1)

The method of claim 1 wherein the notification is received within a predetermined amount of time after providing the payment template, with the predetermined amount of time being less than one minute.

### Claim 3 (depends on 1)

The method of claim 1 wherein the merchant is inhibited from receiving any customer account information that could be used to initiate payment to the merchant from the customer.

### Claim 4 (depends on 1)

The method of claim 1 further comprising:
generating a first merchant reference number that is included in the payment template, wherein a second merchant reference number is included in the received notification, and wherein the completion of the purchase is determined by matching the first merchant reference number and the second merchant reference number.

### Claim 5 (depends on 1)

The method of claim 1 wherein the trusted third party is a first financial institution utilized by the merchant that received payment from a second financial institution utilized by the customer.

### Claim 6 (depends on 1)

The method of claim 1 wherein the payment template is provided to the customer by wirelessly transmitting the payment template to a mobile customer computing device utilized by the customer.

### Claim 7 (depends on 6)

The method of claim 6 further comprising:
wirelessly transmitting a receipt from the merchant to the customer's mobile customer computing device.

### Claim 8

An information handling system comprising:
one or more processors;
a memory coupled to at least one of the processors; and
a set of instructions stored in the memory and executed by at least one of the processors to perform actions comprising:
receiving, at a merchant, a purchase request that includes a purchase amount;
creating a payment template that includes the purchase amount and one or more merchant bank account identifiers;
providing the payment template to a customer; and
receiving, at the merchant, a notification of a completion of the purchase request from a trusted third party.

### Claim 9 (depends on 8)

The information handling system of claim 8 wherein the notification is received within a predetermined amount of time after providing the payment template, with the predetermined amount of time being less than one minute.

### Claim 10 (depends on 8)

The information handling system of claim 8 wherein the merchant is inhibited from receiving any customer account information that could be used to initiate payment to the merchant from the customer.

### Claim 11 (depends on 8)

The information handling system of claim 8 wherein the actions further comprise:
generating a first merchant reference number that is included in the payment template, wherein a second merchant reference number is included in the received notification, and wherein the completion of the purchase is determined by matching the first merchant reference number and the second merchant reference number.

### Claim 12 (depends on 8)

The information handling system of claim 8 wherein the trusted third party is a first financial institution utilized by the merchant that received payment from a second financial institution utilized by the customer.

### Claim 13 (depends on 8)

The information handling system of claim 8 wherein the payment template is provided to the customer by wirelessly transmitting the payment template to a mobile customer computing device utilized by the customer.

### Claim 14 (depends on 13)

The information handling system of claim 13 wherein the actions further comprise:
wirelessly transmitting a receipt from the merchant to the customer's mobile customer computing device.

### Claim 15

A computer program product comprising:
a computer readable storage medium comprising a set of computer instructions, the computer instructions effective to perform actions comprising:
receiving, at a merchant, a purchase request that includes a purchase amount;
creating a payment template that includes the purchase amount and one or more merchant bank account identifiers;
providing the payment template to a customer; and
receiving, at the merchant, a notification of a completion of the purchase request from a trusted third party.

### Claim 16 (depends on 15)

The computer program product of claim 15 wherein the notification is received within a predetermined amount of time after providing the payment template, with the predetermined amount of time being less than one minute.

### Claim 17 (depends on 15)

The computer program product of claim 15 wherein the merchant is inhibited from receiving any customer account information that could be used to initiate payment to the merchant from the customer.

### Claim 18 (depends on 15)

The computer program product of claim 15 wherein the actions further comprise:
generating a first merchant reference number that is included in the payment template, wherein a second merchant reference number is included in the received notification, and wherein the completion of the purchase is determined by matching the first merchant reference number and the second merchant reference number.

### Claim 19 (depends on 15)

The computer program product of claim 15 wherein the trusted third party is a first financial institution utilized by the merchant that received payment from a second financial institution utilized by the customer.

### Claim 20 (depends on 15)

The computer program product of claim 15 wherein the payment template is provided to the customer by wirelessly transmitting the payment template to a mobile customer computing device utilized by the customer.