Systems and methods for generating a shared payment via voice-activated computing devices

US12112308B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Rick Unnerstall · O'Fallon, US
• Zhenni Hu · Holden, US
• Brian Williams · North Palm Beach, US
• Christopher Eric Mullen · Menlo Park, US

Key dates

• Filing date: Dec 23, 2022
• Grant date: Oct 8, 2024
• Expiry date: Dec 23, 2042

Classification

• Technology area (CPC G): Physics
• CPC primary: G10L2015/223
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A data controller computing device is configured to receive, from a voice-controlled (VC) computing device, a shared payment initialization request identifying a primary user payment account associated with the VC computing device. The DC computing device creates a shared payment account linked in a database to the primary user payment account. The DC computing device also receives secondary user information, and links in the database at least one secondary user payment account to the shared payment account. Additionally, the DC computing device transmits a shared payment account identifier to the VC computing device. The DC computing device receives, via a payment network, a transaction authorization request including the shared payment account identifier, a merchant identifier, and a transaction amount. The DC computing device applies respective portions of the transaction amount against each of the primary user account and the at least one secondary user payment account.