# US 2023/0274243 A1 · Integrating requests across different online applications > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2023/0274243 A1 - Document ID: US20230274243A1 - Status: Published application - Kind: A1 - Application number: 18/109,446 - Filed: 2023-02-14 - Published: 2023-08-31 - Earliest claimed: 2022-02-14 - Assignees: OBeP Payments, LLC - Applicants: OBeP Payments, LLC - Inventors: Malathi Jivan; Eric Foust; Gustavo Varejao - Web page: https://patentgrep.com/patent/US20230274243A1 ## CPC - G06Q 20/108: {Remote banking, e.g. home banking} - G06Q 20/326: {Payment applications installed on the mobile devices} - G06Q 20/4016: {involving fraud or risk level assessment in transaction processing} - 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 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. ## Claims ### Claim 1 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 ### Claim 2 (depends on 1) The method of claim 1, further comprising identifying 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. ### Claim 3 (depends on 1) The method of claim 1, further comprising retrieving 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. ### Claim 4 (depends on 3) The method of claim 3, wherein the request is retrieved after a predetermined period of time following triggering of the second online application. ### Claim 5 (depends on 1) The method of claim 1, further comprising routing the request associated with the user accessing the first online application based on a risk assessment in accordance with historical data. ### Claim 6 (depends on 1) The method of claim 1, further comprising determining that the request originated by the second online application is declined, and seamlessly initiating a different type of request associated with the second online application as a failover based on the originated request being declined. ### Claim 7 (depends on 1) The method of claim 1, wherein the notification display includes a payment authorization screen associated with the second online application. ### Claim 8 (depends on 1) The method of claim 1, 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. ### Claim 9 (depends on 1) The method of claim 1, wherein the request originated by the second online application concerns payment from an account of the user, and wherein the account is associated with the second online application. ### Claim 10 (depends on 1) The method of claim 1, further comprising determining that the second online application is eligible for originated request, wherein triggering the second online application to originate the request is based on the determined eligibility. ### Claim 11 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. ### Claim 12 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. ### Claim 13 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. ### Claim 14 The system of daim 13, wherein the request is retrieved after a predetermined period of time following triggering of the second online application. ### Claim 15 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. ### Claim 16 The system of daim 11, wherein determining that the request originated by the second online application is declined, and. ### Claim 17 The system of daim 11, wherein the notification display includes a payment authorization screen associated with the second online application. ### Claim 18 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. ### Claim 19 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 ### Claim 20 (depends on 19) The non-transitory computer-readable medium of claim 19, wherein the non-transitory computer- readable medium further comprises instructions that, when executed by the computing system, cause the computing system 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.