Integrating requests across different online applications
AssigneeOBeP Payments, LLC
InventorsMalathi Jivan, Eric Foust, Gustavo Varejao
Life of this patent
Estimating the term…
Abstract
The present technology can integrate online transaction requests across different combinations of online applications to streamline approvals. A software connector is integrated to retrieve necessary information from digital banking applications, such that an approval process remains in a single application interface (e.g., of a merchant website or online application). The software connector polls for a notification from a respective banking application and presents the notification in a lightbox on the merchant website or application.
Claims20
A method for integrating requests across different online applications, the method comprising:
- storing information regarding a plurality of connectors in memory, wherein each connector is associated with a different online application;
- receiving a request associated with a user accessing a first online application, wherein the user is associated with a second online application;
- identifying a connector from among the stored connectors that is associated with the second online application;
- triggering the second online application via the identified connector, wherein the second online application is triggered to originate a request in accordance with the request received associated with the user accessing the first online application;
- and
- generating a notification display associated the first online application, wherein the notification display presents the request originated by the second online application without requiring the user to leave the first online application
A system comprising:
- a storage configured to store instructions;
- a processor configured to execute the instructions and cause the processor to:
- store information regarding a plurality of connectors in memory, wherein each connector is associated with a different online application;
- receive a request associated with a user accessing a first online application, wherein the user is associated with a second online application;
- identify a connector from among the stored connectors that is associated with the second online application;
- trigger the second online application via the identified connector, wherein the second online application is triggered to originate a request in accordance with the request received associated with the user accessing the first online application;
- and
- generate a notification display associated the first online application, wherein the notification display presents the request originated by the second online application without requiring the user to leave the first online application.
The system of daim 11, wherein the processor is configured to execute the instructions and cause the processor to:
- identify that the user is associated with the second online application by prompting the user to select from among a plurality of available online applications associated with the stored connectors.
The system of daim 11, wherein the processor is configured to execute the instructions and cause the processor to:
- retrieve the request originated by the second online application from within an associated interface of the second online application, wherein generating the notification display is based on the retrieved request.
The system of daim 13, wherein the request is retrieved after a predetermined period of time following triggering of the second online application.
The system of daim 11, wherein the processor is configured to execute the instructions and cause the processor to:
- route the request associated with the user accessing the first online application based on a risk assessment in accordance with historical data.
The system of daim 11, wherein determining that the request originated by the second online application is declined, and.
The system of daim 11, wherein the notification display includes a payment authorization screen associated with the second online application.
The system of daim 11, wherein one or more interfaces of the second online application are hidden, and wherein a display of a user device of the user does not present the hidden interfaces.
A non-transitory computer-readable medium comprising instructions, the instructions, when executed by a computing system, cause the computing system to:
- store information regarding a plurality of connectors in memory, wherein each connector is associated with a different online application;
- receive a request associated with a user accessing a first online application, wherein the user is associated with a second online application;
- identify a connector from among the stored connectors that is associated with the second online application;
- trigger the second online application via the identified connector, wherein the second online application is triggered to originate a request in accordance with the request received associated with the user accessing the first online application;
- and
- generate a notification display associated the first online application, wherein the notification display presents the request originated by the second online application without requiring the user to leave the first online application
Dependencies are inferred from the claim text.