# US 2021/0241255 A1 · Method, apparatus and system to access secure linked account information

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- Number: US 2021/0241255 A1
- Document ID: US20210241255A1
- Status: Published application
- Kind: A1
- Application number: 16/778,747
- Filed: 2020-01-31
- Published: 2021-08-05
- Earliest claimed: 2020-01-31
- Assignees: Mastercard International Incorporated
- Applicants: Mastercard International Incorporated
- Inventors: Gary Adler; Suman Rausaria; Harish Pindolia
- Web page: https://patentgrep.com/patent/US20210241255A1

## CPC

- G06Q 20/227: {characterised in that multiple accounts are available, e.g. to the payer}
- G06Q 20/3223: {Realising banking transactions through M-devices}
- G06Q 20/102: {Bill distribution or payments}
- G06Q 20/3674: {involving authentication}
- G06Q 20/382: {insuring higher security of transaction}
- G06Q 20/3821: {Electronic credentials}
- G06Q 20/405: {Establishing or using transaction specific rules}
- G06Q 20/425: {using two different networks, one for transaction and one for security confirmation}
- 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

Systems, apparatuses and methods may provide for technology to determine that first details associated with a first electronic payment process are absent and identify that second details are selected by a user. The second details may be associated with a second electronic payment process and further the second details may be associated with the first details. The technology may also determine that the first details are to be retrieved based on the second details and cause the second details to be transmitted.

## Claims

### Claim 1

A computing system, comprising:
one or more network interfaces; and
one or more processors that are configured to:
determine an absence of first details associated with a first electronic payment process;
identify a selection of second details by a user, wherein the second details are associated with a second electronic payment process, further wherein the second details are associated with the first details;
determine that the first details are to be retrieved based on the second details; and
cause at least part of the second details to be transmitted via the one or more network interfaces.

### Claim 2 (depends on 1)

The computing system of claim 1, wherein the one or more processors are further to:
transmit, with the one or more network interfaces, the at least the part of the second details to one or more third-parties; and
receive, with the one or more network interfaces, the first details from the one or more third-parties.

### Claim 3 (depends on 2)

The computing system of claim 2, wherein the one or more processors are further to:
authenticate the user;
in response to the user being authenticated, present the first details; and
in response to the user not being authenticated, disallow presentation of the first details.

### Claim 4 (depends on 2)

The computing system of claim 2, wherein the one or more processors are further to:
present the first details;
identify a selection of the first details; and
cause a token to be transmitted to a third-party based on the selection of the first details.

### Claim 5 (depends on 1)

The computing system of claim 1, wherein the one or more processors are further to:
receive third details associated with the second details; and
present the first details and the third details.

### Claim 6 (depends on 1)

The computing system of claim 1, wherein the one or more processors are further to:
determine third details associated with the second electronic payment process; and
determine an order to present the second details and the third details based on usage parameters associated with the second details and the third details.

### Claim 7 (depends on 6)

The computing system of claim 6, wherein the usage parameters include a frequency of payments based on the third details and a frequency of payments based on the second details.

### Claim 8

At least one computer readable storage medium comprising a set of instructions, which when executed by a computing device, cause the computing device to:
determine an absence of first details associated with a first electronic payment process;
identify a selection of second details by a user, wherein the second details are associated with a second electronic payment process, further wherein the second details are associated with the first details;
determine that the first details are to be retrieved based on the second details; and
cause at least part of the second details to be transmitted.

### Claim 9 (depends on 8)

The at least one computer readable storage medium of claim 8, wherein the instructions, when executed, cause the computing device to:
cause the at least the part of the second details to be transmitted to one or more third-parties; and
identify the first details from a communication transmitted by the one or more third-parties.

### Claim 10 (depends on 9)

The at least one computer readable storage medium of claim 9, wherein the instructions, when executed, cause the computing device to:
authenticate the user;
in response to the user being authenticated, present the first details; and
in response to the user not being authenticated, disallow presentation of the first details.

### Claim 11 (depends on 9)

The at least one computer readable storage medium of claim 9, wherein the instructions, when executed, cause the computing device to:
present the first details;
identify a selection of the first details; and
cause a token to be transmitted to a third-party based on the selection of the first details.

### Claim 12 (depends on 8)

The at least one computer readable storage medium of claim 8, wherein the instructions, when executed, cause the computing device to:
receive third details associated with the second details; and
present the first details and the third details.

### Claim 13 (depends on 8)

The at least one computer readable storage medium of claim 8, wherein the instructions, when executed, cause the computing device to:
determine third details associated with the second electronic payment process; and
determine an order to present the second details and the third details based on usage parameters associated with the second details and the third details.

### Claim 14 (depends on 13)

The at least one computer readable storage medium of claim 13, wherein the usage parameters include a frequency of payments based on the third details and a frequency of payments based on the second details.

### Claim 15

A method comprising:
determining an absence of first details associated with a first electronic payment process;
identifying a selection of second details by a user, wherein the second details are associated with a second electronic payment process, further wherein the second details are associated with the first details;
determining that the first details are to be retrieved based on the second details; and
causing at least part of the second details to be transmitted.

### Claim 16 (depends on 15)

The method of claim 15, further comprising:
causing the at least the part of the second details to be transmitted to one or more third-parties; and
identifying the first details from a communication transmitted by the one or more third-parties.

### Claim 17 (depends on 16)

The method of claim 16, further comprising:
authenticating the user;
in response to the user being authenticated, presenting the first details; and
in response to the user not being authenticated, disallowing presentation of the first details.

### Claim 18 (depends on 16)

The method of claim 16, further comprising:
presenting the first details;
identifying a selection of the first details; and
causing a token to be transmitted to a third-party based on the selection of the first details.

### Claim 19 (depends on 15)

The method of claim 15, further comprising:
determining third details associated with the second electronic payment process; and
determining an order to present the second details and the third details based on usage parameters associated with the second details and the third details.

### Claim 20 (depends on 19)

The method of claim 19, wherein the usage parameters include a frequency of payments based on the third details and a frequency of payments based on the second details.