Systems and methods for using shared databases for managing supplemental payment sources

US10402829B1 · kind B1 · utility

Assignee

• Worldpay, LLC · US

Inventors

• Erik Baar · Cincinnati, US
• Richard Hill · Phoenix, US

Key dates

• Filing date: Sep 9, 2016
• Grant date: Sep 3, 2019
• Expiry date: Jan 31, 2037

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/387
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods are disclosed for managing a plurality of supplemental payment sources of a user. One method includes: receiving a primary payment source account of a user for a purchase transaction originating at the merchant, the primary payment source account having an identifier associated with one or more supplemental payment source accounts; receiving supplemental payment source accounts of a user for applying to a payment transaction originating at the merchant; receiving, from a user device, preference settings to apply one or more of the supplemental payment source accounts to a payment transaction; receiving a transaction authorization request from the merchant or merchant acquirer for a transaction amount; and determining a combination of payment source accounts to use in the payment transaction, from a group comprising one or more supplemental payment source accounts and the primary payment source account, and any of one or more preference settings.