Conversational management of partial payment transactions
US11989708B2 · kind B2 · utility
Assignee
Inventor
Key dates
| Filing date | Jun 19, 2023 |
| Grant date | May 21, 2024 |
| Priority date | — |
| Expiry date | Jun 19, 2043 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06F21/31
- WIPO fieldDigital communication
- WIPO sectorElectrical engineering
Abstract
A conversational computing platform can manage transactions such as partial payments from consumers to merchants. More specifically, in transactions creating an amount due from a consumer to a merchant, a message may be transmitted to the consumer with an accounting of the amount due and an option for making partial payment. The message may further identify a payment method for the consumer on file with the platform, and ask the consumer to send a response with an approval/authentication code in order to disambiguate the response from a plurality of other messages and to initiate a partial payment. The platform can then provide an updating accounting to reflect the partial payment.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.