Systems and methods for generating a shared payment via voice-activated computing devices

Patent metadata

Field	Value
Publication number	US-11538012-B2
Application number	US-201916272957-A
Country	US
Kind code	B2
Filing date	Feb 11, 2019
Priority date	Feb 11, 2019
Publication date	Dec 27, 2022
Grant date	Dec 27, 2022

Abstract

A data controller computing device is configured to receive, from a voice-controlled (VC) computing device, a shared payment initialization request identifying a primary user payment account associated with the VC computing device. The DC computing device creates a shared payment account linked in a database to the primary user payment account. The DC computing device also receives secondary user information, and links in the database at least one secondary user payment account to the shared payment account. Additionally, the DC computing device transmits a shared payment account identifier to the VC computing device. The DC computing device receives, via a payment network, a transaction authorization request including the shared payment account identifier, a merchant identifier, and a transaction amount. The DC computing device applies respective portions of the transaction amount against each of the primary user account and the at least one secondary user payment account.

First claim

What is claimed is:

1. A data controller (DC) computing device for making a shared payment group purchase over a payment network, the DC computing device comprising a processor and a memory, the DC computing device communicatively coupled to a database and configured to:
receive, from a voice-controlled (VC) computing device, a shared payment account initialization request identifying a primary user payment account associated with a primary user of the VC computing device;
create a shared payment account linked in the database to the primary user payment account;
cause the VC computing device to audio prompt for secondary user information identifying at least one secondary user payment account;
receive, from the VC computing device, the secondary user information identifying the at least one secondary user payment account;
link in the database the at least one secondary user payment account to the shared payment account;
transmit, to the VC computing device, a single payment instrument comprising a shared payment account identifier having a form and appearance suitable for submission by merchants through the payment network for payment card transactions, wherein the shared payment account identifier is linked in the database to the shared payment account, and wherein a portion of the shared payment account identifier comprises an indicator configured to cause the payment network to route transaction authorization requests that include the shared payment account identifier to the DC computing device, wherein transaction authorization requests are initiated by merchants and transmitted over the payment network;
receive, from the VC computing device, a purchase voice command to make a purchase from a merchant using the shared payment account;
generate, in response to receiving the purchase voice command, a purchase order comprising the shared payment account identifier;
transmit, to a point-of-sale (POS) device associated with the merchant, the purchase order comprising the shared payment account identifier as the single payment instrument;
receive, via the payment network in response to recognition of the indicator included in the shared payment account identifier, a single transaction authorization request initiated by the POS device to the payment network, the received single transaction authorization request including the shared payment account identifier as the single payment instrument for a transaction associated with the purchase order, a merchant identifier associated with the merchant for the transaction, and a transaction amount;
split the transaction amount into respective portions allocable to the primary user account and the at least one secondary user payment account linked to the shared payment account identifier by generating, in response to receiving the single transaction authorization request including the shared payment account identifier, multiple transaction authorization requests including a respective substitute transaction authorization request for each of the primary user payment account and the at least one secondary user account, wherein the primary user payment account and the at least one secondary user account are not exposed to the POS device associated with the merchant; and
apply the respective portions of the transaction amount against each of the primary user account and the at least one secondary user payment account linked to the shared payment account identifier by routing each respective substitute transaction authorization request through the payment network to a respective issuer.

2. The DC computing device of claim 1 , further configured to:
associate a validity period with the shared payment account in the database; and
validate, prior to applying the respective portions of the transaction amount, a transaction date of the transaction authorization request against the validity period.

3. The DC computing device of claim 2 , further configured to:
receive, via the payment network, a second transaction authorization request including the shared payment account identifier, a second merchant identifier, and a second transaction amount;
validate a transaction date of the second transaction authorization request against the validity period; and
apply, in response to successfully validating the transaction date of the second transaction authorization request, respective portions of the second transaction amount against each of the primary user account and the at least one secondary user payment account linked to the shared payment account identifier.

4. The DC computing device of claim 1 , further configured to:
receive, from the VC computing device, biometric sample data for the at least one secondary user; and
verify, prior to transmitting the shared payment account identifier to the VC computing device, the biometric sample data against biometric reference data associated with the at least one secondary user payment account.

5. The DC computing device of claim 4 , wherein the biometric sample data includes voice data captured by the VC computing device.

6. The DC computing device of claim 1 , further configured to generate a respective substitute transaction authorization request for each of the primary user payment account and the at least one secondary user account, wherein each respective substitute transaction authorization request includes the respective portion of the transaction amount.

7. The DC computing device of claim 1 , further configured to receive, from the VC computing device, a sharing allocation identifying proportions of the transaction amount to be allocated to each of the primary user payment account and the at least one secondary user payment account, wherein applying the respective portions of the transaction amount comprises applying the respective portions according to the sharing allocation.

8. A method for making a shared payment group purchase over a payment network, said method performed using a data controller (DC) computing device including a processor communicatively coupled to a memory, the DC computing device communicatively coupled to a database, said method comprising:
receiving, from a voice-controlled (VC) computing device, a shared payment account initialization request identifying a primary user payment account associated with a primary user of the VC computing device;
creating a shared payment account linked in the database to the primary user payment account;
causing the VC computing device to audio prompt for secondary user information identifying at least one secondary user payment account;
receiving, from the VC computing device, the secondary user information identifying the at least one secondary user payment account;
linking in the database the at least one secondary user payment account to the shared payment account;
transmitting, to the VC computing device, a single payment instrument comprising a shared payment account identifier having a form and appearance suitable for submission by merchants through the payment network-for payment card transactions, wherein the shared payment account identifier is linked in the database to the shared payment account, and wherein a portion of the shared payment account identifier comprises an indicator configured to cause the payment network to route transaction authorization requests that include the shared payment account identifier to the DC computing device, wherein transaction authorization requests are initiated by merchants and transmitted over the payment network;
receive, from the VC computing device, a purchase voice command to make a purchase from a merchant using the shared payment account;
generate, in response to receiving the purchase voice command, a purchase order comprising the shared payment ac

Assignees

• Mastercard International Inc

Inventors

• Unnerstall Rick
• Hu Zhenni
• Williams Brian
• Mullen Christopher Eric

Classifications

• G06Q20/401

  Transaction verification · CPC title

• G06Q20/308

  using the Internet of Things · CPC title

• G06Q20/227 Primary

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

• G06Q20/40145

  Biometric identity checks · CPC title

• G06F3/167 Primary

  Audio in a user interface, e.g. using voice commands for navigating, audio feedback · CPC title