Resources for peer-to-peer messaging
US11023873B1 · kind B1 · utility
7Cited by
27References
17Claims
0Family size
Assignee
Inventors
Key dates
| Filing date | Mar 31, 2017 |
| Grant date | Jun 1, 2021 |
| Priority date | — |
| Expiry date | Feb 26, 2038 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/03
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Payment technology companies are advancing technological solutions to facilitate payments between users and merchants. The complex architecture and software associated with payment technologies can be further improved by offering additional services to users. Some users may find it difficult or overly complicated to use payment technologies. As such, technological improvement are needed to make using payments technology easier, including adding the ability to make payments when funds are not available in an account, or to offer an advance funds transfer if the user would prefer not to use funds stored in a balance.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.