System that activates monetization and applies a payment method
US12361443B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jun 7, 2022 |
| Grant date | Jul 15, 2025 |
| Priority date | — |
| Expiry date | Jun 7, 2042 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L67/02
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
System that determines when a user is about to make a purchase, and that activates a monetization offer available for the purchase, such as a discount or cashback, and selects a payment method for completing the transaction. The system accesses a database of the user's payment methods, such as credit cards or funds transfer accounts. The database may contain any information needed for payment, such as account numbers, names, addresses, expiration dates, and verification codes. Some payment methods may be associated with additional benefits such as cashback offers or points. When an application reaches a screen associated with payment, the system automatically populates the application with payment information. Some payment methods may support one-time use account numbers, and the system may automatically retrieve and enter these numbers. A link to the selected monetization offer is inserted into the application so the offer is activated and applied after completing purchase.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.