Processing payment transactions using artificial intelligence messaging services

Patent metadata

Field	Value
Publication number	US-10796295-B2
Application number	US-201615389108-A
Country	US
Kind code	B2
Filing date	Dec 22, 2016
Priority date	Dec 22, 2016
Publication date	Oct 6, 2020
Grant date	Oct 6, 2020

Abstract

The disclosure relates to systems, methods, and devices for processing payment transactions between a user and a merchant using a messaging bot. In particular, a commerce system allows the user to initiate a communications session with a messaging bot associated with the merchant using natural language. One or more embodiments use natural language processing to analyze messages from the user to the messaging bot, and from the messaging bot to the user, to identify a product and a request to purchase the identified product. Based on the identified product and the request to purchase the product, one or more embodiments initiate a payment transaction on behalf of the user based on a natural language conversation and without redirecting the user away from the communications session. Additionally, one or more implementations provide a payment initiation message from the messaging bot to the user indicating that the payment transaction was initiated.

First claim

What is claimed is:

1. A method comprising:
generating, by one or more servers of a commerce system, a messaging bot in response to an application program interface call from a merchant system associated with a merchant via an application program interface to implement the messaging bot at the commerce system, wherein the commerce system integrates with a plurality of merchant systems to generate a plurality of messaging bots in response to application program interface calls from the plurality of merchant systems via the application program interface to implement the plurality of messaging bots at the commerce system;
detecting, by the one or more servers, a trigger indicating that a client device of a user is accessing content associated with products corresponding to the merchant within a merchant application or a merchant website corresponding to the merchant;
accessing, by the one or more servers and within a user account associated with the user, a messaging history including a plurality of past messages from the user to the messaging bot at the commerce system, the plurality of past messages indicating a product available from the merchant;
determining, by the one or more servers, a user interest in the product available from the merchant based on the messaging history;
generating, by the one or more servers, a score for an offer associated with the product according to the user interest, the score indicating a level of the user interest in the product;
initiating, by one or more servers in response to the trigger and based on the score for the offer meeting a threshold, a communications session between the user and the messaging bot associated with the merchant, the messaging bot comprising an artificial intelligence messaging service;
providing, by the one or more servers to the client device of the user, a message comprising an offer from the messaging bot to the user to purchase the product within a messaging user interface for the communications session between the user and the messaging bot;
receiving, by the one or more servers, one or more messages entered by the user into the messaging user interface for the communications session between the user and the messaging bot;
analyzing, by the one or more servers using natural language processing, the one or more messages to identify the product and a request to complete a transaction between the user and the merchant for the product;
initiating, by the one or more servers, a payment transaction between the user and the merchant for the product on behalf of the user based on analyzing the one or more messages using natural language processing; and
providing, within the communications session, a payment initiation message from the messaging bot to the user indicating that the payment transaction was initiated.

2. The method as recited in claim 1 , wherein analyzing the one or more messages to identify the product comprises identifying, using natural language processing, a description of the product in the one or more messages entered by the user into the messaging user interface.

3. The method as recited in claim 2 , wherein analyzing the one or more messages to identify the product comprises:
analyzing the message comprising the offer to determine a context of the communications session; and
identifying the product based on the description of the product in the one or more messages entered by the user and the context of the communications session based on the message comprising the offer.

4. The method as recited in claim 1 , wherein accessing the messaging history comprises:
analyzing the plurality of past messages to determine that the user has expressed a like for a characteristic in a past message of the plurality of past messages; and
determining the user interest in the product based on the product comprising the characteristic.

5. The method as recited in claim 1 , wherein providing the payment initiation message from the messaging bot to the user comprises entering the payment initiation message in a messaging thread according to a chronological order of messages between the user and the messaging bot.

6. The method as recited in claim 1 , wherein initiating the payment transaction comprises:
providing, to the merchant in response to identifying the product and the request, a request to initiate the payment transaction between the user and the merchant; and
receiving, from the merchant, a response indicating that the payment transaction was initiated.

7. The method as recited in claim 6 , wherein providing the request to initiate the payment transaction comprises providing, to the merchant, payment information and a product identifier for completing the payment transaction.

8. The method as recited in claim 1 , wherein initiating the payment transaction comprises:
accessing, in response to identifying a name of a payment method in the one or more messages, the user account associated with the user to obtain a payment token corresponding to the payment method for processing the transaction; and
initiating the payment transaction using the payment token corresponding to the payment method.

9. The method as recited in claim 1 , further comprising initiating and completing the payment transaction between the user and the merchant within a messaging flow of the communications session and without redirecting a client device of the user away from the messaging user interface to complete the payment transaction.

10. A system comprising:
at least one processor; and
a non-transitory computer readable storage medium comprising instructions that, when executed by the at least one processor, cause the system to:
generate, by a commerce system, a messaging bot merchanting response to an application program interface call from a merchant system associated with a merchant via an application program interface to implement the messaging bot at the commerce system, wherein the commerce system integrates with a plurality of merchant systems to generate a plurality of messaging bots in response to application program interface calls from the plurality of merchant systems via the application program interface to implement the plurality of messaging bots at the commerce system;

detect a trigger indicating that a client device of a user is accessing content associated with products corresponding to the merchant within a merchant application or a merchant website corresponding to the merchant;
access, within a user account associated with the user, a messaging history including a plurality of past messages from the user to the messaging bot at the commerce system, the plurality of messages indicating a product available from the merchant;
determine a user interest in the product available from the merchant based on the messaging history;
generate a score for an offer associated with the product according to the user interest, the score indicating a level of the user interest in the product;
initiate, in response to the trigger and based on the score for the offer meeting a threshold, a communications session between the user and the messaging bot associated with the merchant, the messaging bot comprising an artificial intelligence messaging service;
provide, to the client device of the user, a message comprising an offer from the messaging bot to the user to purchase the product within a messaging user interface for the communications session between the user and the messaging bot;
receive one or more messages entered by the user into the messaging user interface for the communications session between the user and the messaging bot;
analyze, using natural language processing, the one or more messages to identify the product and a request to co

Assignees

• Facebook Inc

Inventors

• Subbarayan Anand
• Parasuram Yegnashankar
• Song Shuo
• Mittal Akshay
• Liu Xishuo

Classifications

• G06Q10/40

  Business processes related to social networking or social networking services · CPC title

• H04L51/222

  using geographical location information, e.g. messages transmitted or received in proximity of a certain spot or area · CPC title

• H04L51/216

  Handling conversation history, e.g. grouping of messages in sessions or threads · CPC title

• H04L51/52

  for supporting social networking services · CPC title

• G06Q20/3223 Primary

  Realising banking transactions through M-devices · CPC title