Processing a mobile payload

US10949829B2 · kind B2 · utility

Assignee

• INC SQUARE, CO., LTD · JP

Inventors

• Alan Paulin · Kirkland, US
• Peter Westen · Mountain View, US
• Shawn Welch · San Francisco, US
• Daniel Federman · San Francisco, US
• Michael Gershunovsky · San Francisco, US
• Ayokunle Omojola · San Francisco, US

Key dates

• Filing date: Dec 21, 2017
• Grant date: Mar 16, 2021
• Expiry date: Apr 30, 2039

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04L51/10
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Disclosed herein are systems and methods for processing a payment request. A mobile device associated with a payor may generate a user interface having two screen portions. The first screen portion may be configured to display received and sent messages and further configured to receive a command to transmit a message. The second screen portion may be configured to access a third-party application and configured to populate a new message with a payload. The mobile device may receive an inputted amount in the second screen portion representing the payment amount. The mobile device may transmit a request including the payor's identification and the payment amount to a third-party Payment Processing System (PPS) and receive a payload from the PPS. The mobile device may populate and transmit a message to the recipient that contains the payload.