Converged merchant processing apparatuses, methods and systems

Patent metadata

Field	Value
Publication number	US-11216468-B2
Application number	US-201916532457-A
Country	US
Kind code	B2
Filing date	Aug 5, 2019
Priority date	Feb 8, 2015
Publication date	Jan 4, 2022
Grant date	Jan 4, 2022

Abstract

The CONVERGED MERCHANT PROCESSING APPARATUSES, METHODS AND SYSTEMS (“CMP”) facilitates the generation of user accounts with merchants. The user may be logged into an electronic wallet or issuer account, and may initiate an account generation process with a one-click mechanism. The CMP may provide information to the merchant in order to facilitate the generation of the account after receiving data from the electronic wallet or issuer.

First claim

What is claimed is:

1. A computer-implemented method for adding a payment option to a payment processing network, comprising:
identifying, by a computer system associated with a merchant, payment information stored within an account of a user, wherein the payment information is collected from a payment device at a physical location of the merchant during processing of a transaction;
transmitting the identified payment information to a payment processing network via a computer network;
querying based on the merchant, by the computer system, a database of the payment processing network for a user account associated with the user for a membership account with the merchant;
in response to identifying the user account, retrieving, by the computer system, user information associated with the user account, said user information including an address information associated with the user and a mobile communication device associated with the user;
transmitting, by the computer system, a computer-executable command to the mobile communication device;
wherein the computer-executable command, in response to execution by the mobile communication device, triggers displaying of a set of graphical user interface (GUI) on the mobile device to the user for interacting with the computer system with gestures from the user;
receiving, by the computer system, a user request to associate a payment option from the payment processing network to the user account based on the payment information, wherein the payment option comprises a credit card, wherein the set of GUI transitions the user from one GUI to another to add the payment option in response to the gestures from the user; and
transmitting, by the computer system, the payment information to the payment processing network in response to the received request to complete the transaction.

2. The computer-implemented method of claim 1 , wherein payment information associated with the user account is obtained from the merchant with whom the user is transacting.

3. The computer-implemented method of claim 1 , wherein payment information is provided from currently entered information that was entered for a purpose different from creating the user account.

4. The computer-implemented method of claim 1 , further comprising, receiving from the user a selection of another payment option by the payment processing network in response to the another payment option not available to the merchant.

5. The computer-implemented method of claim 1 , wherein if the card information is known to the merchant but not to the payment processing network, then the user requests the merchant transmit the card information to the payment processing network to create and link to a checkout account.

6. The computer-implemented method of claim 1 , wherein if the card information is known to neither the merchant nor the payment processing network, then payment information entered by the user is used to create a checkout account.

7. The computer-implemented method of claim 6 , wherein the payment information was entered by the user while checking out or adding a card to a merchant app.

8. The computer-implemented method of claim 1 , wherein if the card information is known to both the merchant nor the payment processing network, then the user logs into the payment processing network to select a card on file for subsequent use.

9. The computer-implemented method of claim 1 , wherein the checkout interface provided by the payment processing network is integrated with a merchant application for providing users with a consistent way to setup, link, and use checkout accounts of the payment processing network with the merchant product.

10. A computer-implemented system for adding a payment option to a payment processing network, comprising:
a memory; and
one or more processors disposed in communication with the memory and configured to issue processing instructions stored in the memory to:
identify, by a computer system associated with a merchant, payment information stored within a profile of a user, wherein the payment information is collected from a payment device at a physical store of the merchant during processing of a transaction;
transmit the identified payment information to a payment processing network via a computer network;
query based on the merchant, by the computer system, a database of the payment processing network for a user account associated with the user for a membership with an online account with the merchant;
in response to identifying the user account, retrieve, by the computer system, user information associated with the user account, said user information including an address information associated with the user and a mobile device associated with the user;
transmit, by the computer system, a computer-executable command to the mobile device;
wherein the computer-executable command, in response to execution by the mobile device, triggers displaying of a set of graphical user interface (GUI) on the mobile device to the user so that the user interacts with the computer system via the set of GUI;
receive, by the computer system, a user request to cause the payment processing network to add a payment option to the user account based on the payment information, wherein the payment option comprises a payment instrument, wherein the set of GUI transitions the user from one GUI to another to add the payment option; and
transmit, by the computer system, the payment information to the payment processing network in response to the received request for completing the transaction.

11. The system of claim 10 , wherein payment information required for creating a checkout account is obtained from a merchant with whom the user is transacting.

12. The system of claim 10 , wherein payment information is provided from currently entered information that was entered for a purpose different from creating a checkout account.

13. The system of claim 10 , wherein if the card information is known to the payment processing network but not the merchant, then the user logs into the payment processing network and selects a card on file.

14. The system of claim 10 , wherein if the card information is known to the merchant but not to the payment processing network, then the user requests the merchant transmit the card information to the payment processing network to create and link to a checkout account.

15. The system of claim 10 , wherein if the card information is known to neither the merchant nor the payment processing network, then payment information entered by the user is used to create a checkout account.

16. The system of claim 15 , wherein the payment information was entered by the user while checking out or adding a card to a merchant app.

17. The system of claim 10 , wherein if the card information is known to both the merchant nor the payment processing network, then the user logs into the payment processing network to select a card on file for subsequent use.

18. The system of claim 10 , wherein the checkout interface provided by the payment processing network is integrated with a merchant application.

19. The system of claim 18 , wherein the checkout interface provided by the payment processing network is integrated with the merchant application for providing users with a consistent way to setup, link, and use checkout accounts of the payment processing network with the merchant product.

20. A tangible non-transitory computer-readable medium storing processor-issuable instructions to:
identify, by a computer syst

Assignees

• Visa Int Service Ass

Inventors

• Purves Thomas
• Leyva Raul
• Johnson Alan
• Wang John C

Classifications

• G06Q20/40145

  Biometric identity checks · CPC title

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title

• G06Q20/02 Primary

  involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] · CPC title

• G06Q20/36

  using electronic wallets or electronic money safes · CPC title

• G06Q20/227

  characterised in that multiple accounts are available, e.g. to the payer · CPC title