Facilitating payment transactions between users of a plurality of payment providers
US-2018315051-A1 · Nov 1, 2018 · US
US11531986B2 · US · B2
| Field | Value |
|---|---|
| Publication number | US-11531986-B2 |
| Application number | US-202017039772-A |
| Country | US |
| Kind code | B2 |
| Filing date | Sep 30, 2020 |
| Priority date | Sep 30, 2020 |
| Publication date | Dec 20, 2022 |
| Grant date | Dec 20, 2022 |
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A method and a system include receiving a request to process a transaction, identifying, by the messaging application, transactional data based on the request, the transactional data corresponding to a user profile associated with the client device in an entity graph, determining a first desensitized data item associated with the user profile being included in the transactional data, providing for display a first user interface of the messaging application including a first user-selectable element corresponding to a completion of the transaction, receiving an indication of user selection of the first user-selectable element, and transmitting the transactional data to a secured processor.
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What is claimed is: 1. A method comprising: receiving, by a server via a messaging application implemented on a client device, from a web-based external resource, a request to process a transaction; identifying, by the server, transactional data based on the request, the transactional data corresponding to a user profile associated with the client device in an entity graph; determining, by the server, a first desensitized data item based on the transactional data; providing for display, by the server via the messaging application implemented on the client device, within a user interface of the web-based external resource, a first user interface of the messaging application including a first user-selectable element corresponding to a completion of the transaction; receiving, by the server via the messaging application implemented on the client device, an indication of user selection of the first user-selectable element; and transmitting, by the server, the transactional data to a secured payment processor. 2. The method of claim 1 , further comprising: upon determining that the web-based external resource is registered with the secured payment processor, causing, by the server, the secured payment processor to generate reference metadata associated with the first desensitized data item; receiving, by the server from the secured payment processor, a second desensitized data item corresponding to the first desensitized data item; and transmitting, by the server, the second desensitized data item in conjunction with the transactional data to the secured payment processor. 3. The method of claim 1 , further comprising: upon determining that the web-based external resource is unregistered with the secured payment processor, causing, by the server, the secured payment processor to generate a single-use data item; receiving, by the server, a second desensitized data item corresponding to the single-use data item; and transmitting, by the server, the second desensitized data item in conjunction with the transactional data to the secured payment processor. 4. The method of claim 3 , wherein the single-use data item includes a last four digits of a transaction instrument identifier associated with the first desensitized data item. 5. The method of claim 1 , further comprising: receiving, by the server, an indication of a receipt of a transaction status from the secured payment processor or the web-based external resource; determining, by the server, the transaction status corresponding to an incomplete transaction; and providing, by the server, for display of a second user-selectable element corresponding to the incomplete transaction. 6. The method of claim 1 , further comprising: receiving, by the server, an indication of a receipt of a transaction status from the secured payment processor or the web-based external resource; determining, by the server, the transaction status corresponding to a complete transaction; and providing, by the server, for display of a third user interface element corresponding to the complete transaction. 7. The method of claim 6 , further comprising: upon receiving the indication of the receipt of the transaction status corresponding to the complete transaction, causing, by the server, the web-based external resource to finalize the transaction. 8. The method of claim 1 , further comprising: generating, by the server, a plurality of data entry elements, the plurality of data entry elements including a first set of data entry elements for receiving sensitive data items; and providing, by the server, for display of a second user interface at least including the first set of data entry elements. 9. The method of claim 8 , further comprising: receiving, by the server via the messaging application implemented on the client device, user input of the sensitive data items via the first set of data entry elements; transmitting, by the server via the messaging application implemented on the client device, the sensitive data items to the secured payment processor; and receiving, by the server, the first desensitized data item representing the sensitive data items. 10. The method of claim 8 , wherein the plurality of data entry elements includes a second set of data entry elements for receiving shipping data. 11. The method of claim 10 , further comprising: determining, by the server, a completion of the transaction requiring an electronic delivery method; and withholding, by the server, a display of the second set of data entry elements from the second user interface in response to determining the completion of the transaction requiring the electronic delivery method. 12. The method of claim 1 , further comprising: identifying, by the server, a plurality of desensitized data items associated with the user profile; and determining, by the server, a most recent desensitized data item generated by the secured payment processor or being involved in a previous transaction, and associating the most recent desensitized data item with the transactional data to be transmitted to the secured payment processor. 13. The method of claim 12 , wherein the most recent desensitized data item is the first desensitized data item. 14. The method of claim 1 , wherein the indication of user selection of the first user-selectable element includes a user-directed relocation of a second user interface icon included in the first user-selectable element. 15. A server system comprising: one or more processors; and a non-transitory computer readable storage medium comprising instructions that when executed by the one or more processors, causing the one or more processors to perform operations comprising: receiving, from a web-based external resource, a request to process a transaction; identifying transactional data based on the request, the transactional data corresponding to a user profile in an entity graph; determining a first desensitized data item based on the transactional data; providing for display, within a user interface of the web-based external resource, a first user interface including a first user-selectable element corresponding to a completion of the transaction; receiving an indication of user selection of the first user-selectable element; and transmitting the transactional data to a secured payment processor. 16. The server system of claim 15 , wherein the one or more processors further perform operations comprising: upon determining that the web-based external resource is registered with the secured payment processor, causing the secured payment processor to generate reference metadata associated with the first desensitized data item; receiving, from the secured payment processor, a second desensitized data item corresponding to the first desensitized data item; and transmitting the second desensitized data item in conjunction with the transactional data to the secured payment processor. 17. The server system of claim 15 , wherein the one or more processors further perform operations comprising: upon determining that the web-based external resource is unregistered with the secured payment processor, causing the secured payment processor to generate a single-use data item; receiving a second desensitized data item corresponding to the single-use data item; and transmitting the second desensitized data item in conjunction with the transactional data to the secured payment processor. 18. The server system of claim 17 , wherein the single-use data item comprises a last four digits of a transact
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