Intelligent payment format and attribute package transaction processing
US10891647B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Feb 19, 2016 |
| Grant date | Jan 12, 2021 |
| Priority date | — |
| Expiry date | Apr 6, 2038 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/405
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Methods, non-transitory computer readable media, and transaction management computing devices that assist with processing a transaction involving a merchant and a user using a system include receiving over at least one communication channel an indication of a user transaction. Location information indicating a location of the user transaction or merchant information indicating a merchant involved in the user transaction is determined. A first attribute package and a first payment format is identified and communicated to the client device. The user transaction is initiated upon receiving a confirmation indicating selection of the identified first payment format and the identified first attribute package. The user transaction is held open for a predetermined period of time to allow the user to modify the selected first payment format or the selected first attribute package for the user transaction to a different attribute package or a different payment format.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.