Methods, apparatuses, and systems for user account-affiliated payment and billing, consolidated digital biller-payment wallets
US11538013B1 · kind B1 · utility
Assignee
Inventor
Key dates
| Filing date | Jun 2, 2021 |
| Grant date | Dec 27, 2022 |
| Priority date | — |
| Expiry date | Jun 2, 2041 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/405
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Described are systems, apparatuses, methods, and computer program products for low-input initiation of user account-affiliated transactions. An example apparatus can comprise a processor and a memory storing program code configured to cause the apparatus to store payor information, authentication information, and account information associated with a payor; store payee information associated with payees; receive, from a payee device or a payor device, a request to initiate a payment, the request comprising information about a payor and payee as well as a payment amount; determine, based at least upon the information about the payor and payee, and the stored information, whether the payment is to a pre-approved payee or merchant with which payor has a pre-existing account; and, in an instance in which the determination is in the affirmative, initiate the payment by providing at least payor and payee information and payment amount a payment processor.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.