Cardbot system and associated APIs

Patent metadata

Field	Value
Publication number	US-10546312-B2
Application number	US-201715473331-A
Country	US
Kind code	B2
Filing date	Mar 29, 2017
Priority date	Mar 29, 2017
Publication date	Jan 28, 2020
Grant date	Jan 28, 2020

Abstract

A method of assisting with payment of a transaction involving a first user and a second user using a CardBot System including a CardBot API residing in a chat platform is disclosed. The method includes receiving a request for an action to be taken from the first user, receiving identifying information from the first user regarding the second user, receiving information pertaining to the action to be taken, and receiving parameters for the action to be taken. The method includes the step of performing the action to be taken based on the information pertaining to the action to be taken and parameters for the action to be taken. The performance of the action includes a calculation of an amount to be paid by the first user. The method includes the step of facilitating the sending of the amount to be paid from a first payment account to a second payment account.

First claim

What is claimed is:

1. A computer-implemented method of assisting with payment of a transaction involving a first user, a second user, and a third user, the method comprising the steps of:
receiving, via a processor, a request for an action to be taken from user computing device associated with the first user, wherein the first user is associated with a first payment account, and wherein the action to be taken includes a settling of the transaction between the first user and any of the second user and the third user;
receiving, via the processor, identifying information from the user computing device regarding the second user and the third user, wherein the second user is associated with a second payment account and the third user is associated with a third payment account, and wherein the identifying information includes a first photograph of the second user, which is used to identify the second payment account, and a second photograph of the third user, which is used to identify the third payment account;
receiving, via the processor, information pertaining to the action to be taken, wherein the information includes receipt data for the transaction;
receiving parameters for the action to be taken, wherein the parameters include indicia of how the transaction is to be settled between the first user and any of the second user and the third user, and wherein the indicia are received via a display interface of the user computing device;
performing the action to be taken, wherein performance of the action to be taken is based on the information pertaining to the action to be taken and the parameters for the action to be taken and wherein performance of the action includes a calculation of one or more amounts to be paid by the first user; and
facilitating the sending of the one or more amounts to be paid from the first payment account to any of the second payment account and the third payment account.

2. The computer-implemented method of claim 1 , wherein the transaction involves a purchase of at least one item or at least one activity, the method further comprising the step of:
receiving additional information relating to the action to be taken,
wherein the additional information is an indication that the at least one item or the at least one activity was shared by any of the first user, the second user, and the third user, and
wherein the performance of the action to be taken is also based on the additional information.

3. The computer-implemented method of claim 1 , wherein the transaction involves a purchase of at least one item or at least one activity, the method further comprising the step of:
receiving additional information relating to the action to be taken, wherein the additional information is an indication that the at least one item or the at least one activity was consumed by only the first user, only by the second user, or only the third user, and
wherein the performance of the action to be taken is also based on the additional information.

4. The computer-implemented method of claim 1 , wherein the transaction was conducted at a merchant, further comprising the steps of:
determining whether a reward is being offered to the first user, the second user, or the third user from the merchant; and
providing a visual indication of the reward to the first user, the second user, or the third user, wherein the visual indication of the reward does not provide an actual value of the reward.

5. The computer-implemented method of claim 4 , wherein the visual indication of the reward includes a milestone, wherein the milestone must be met before the actual value of the reward is revealed.

6. The computer-implemented method of claim 5 , wherein the milestone is met when a minimum number of transactions at the merchant are made using the first payment account, the second payment account, or the third payment account.

7. The computer-implemented method of claim 1 , wherein the transaction was conducted at a merchant, further comprising the steps of:
determining whether rewards are being offered to the first user, the second user, or the third user from the merchant, wherein the rewards include a first reward and a second reward; and
providing a visual indication of the rewards to the first user, the second user, or the third user, wherein the visual indication of the rewards does not provide the actual value of the rewards, and wherein the visual indication of the first reward is different from the visual indication for the second reward.

8. The computer-implemented method of claim 7 , further comprising the steps of:
receiving a selection of one of the first reward and the second reward by the first user the second user, or the third user; and,
saving the selected one of the first reward and the second reward to a rewards wall associated with the first payment account, the second payment account, or the third payment account.

9. The computer-implemented method of claim 8 , wherein the selected reward has an actual value and the actual value is not revealed to the first user, the second user, or the third user until a milestone associated with the selected reward is met, further comprising the step of:
providing an indication that the selected reward is available for redemption at the merchant upon completion of the milestone.

10. A system for assisting with payment of a transaction involving a first user, a second user, and a third user comprising a processor being physically configured to:
receive a request for an action to be taken from a user computing device associated with the first user via one or more application program interfaces (APIs) stored on the user computing device, wherein the first user is associated with a first payment account, and wherein the action to be taken includes a settling of the transaction between the first user and any of the second user and the third user;
receive identifying information from the user computing device via the one or more APIs regarding the second user and the third user, wherein the second user is associated with a second payment account and the third user is associated with a third payment account, and wherein the identifying information includes a first photograph of the second user, which is used to identify the second payment account, and a second photograph of the third user, which is used to identify the third payment account;
receive from the user computing device via the one or more APIs information pertaining to the action to be taken, wherein the information includes receipt data for the transaction;
receive parameters for the action to be taken via the one or more APIs, wherein the parameters include indicia of how the transaction is to be settled between the first user and any of the second user and the third user, and wherein the indicia are received via a display interface of the user computing device;
perform the action to be taken, wherein performance of the action to be taken is based on the information pertaining to the action to be taken and the parameters for the action to be taken and wherein performance of the action includes a calculation of one or more amounts to be paid by the first user; and
facilitate the sending of the one or more amounts to be paid from the first payment account to any of the second payment account and the third payment account.

11. The system of claim 10 , wherein the transaction is for a purchase of an item or activity.

12. The system of claim 10 , wherein the receipt data is obtained from a photograph of a receipt that is uploaded via the user computing device.

13. The system of claim 10 , wherein the indicia of how the transaction is to be

Assignees

• Jiang Chunxi
• Yoo Justin
• Sandoval Myra
• Szeto Margaret
• Visa Int Service Ass

Inventors

• Jiang Chunxi
• Yoo Justin
• Sandoval Myra
• Szeto Margaret

Classifications

• G06Q30/0215 Primary

  Including financial accounts · CPC title

• G06Q20/29

  characterised by micropayments · CPC title

• G06Q20/10 Primary

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06Q20/34

  using cards, e.g. integrated circuit [IC] cards or magnetic cards · CPC title

• G06Q20/12

  specially adapted for electronic shopping systems · CPC title