Converged merchant processing apparatuses, methods and systems

Patent metadata

Field	Value
Publication number	US-11941008-B2
Application number	US-202217567852-A
Country	US
Kind code	B2
Filing date	Jan 3, 2022
Priority date	Feb 8, 2015
Publication date	Mar 26, 2024
Grant date	Mar 26, 2024

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 method for adding a payment option to a payment service provider, comprising:
identifying, by a computer system associated with a merchant, payment information stored within a profile of a user, wherein the merchant is a custodian of the profile;
querying, by the computer system, a database of a payment service provider based on the profile to identify a user account associated with the user;
determining, by the computer system, that the user account in the database of the payment service provider does not contain the payment information;
retrieving, by the computer system, address information for a user mobile device associated with the user account;
transmitting, by the computer system to the user mobile device, a request for user consent to add a payment option to the user account, wherein the request for user consent does not require the user to provide the payment information;
receiving, by the computer system, the user consent to add a payment option to the user account; and
transmitting, by the computer system, the payment information to the payment service provider based on receiving the user consent, wherein the payment service provider adds the payment option to the user account based on receiving the payment information.

2. The method of claim 1 , wherein the user account comprises a checkout account, the method further comprising:
receiving, by the computer system, the payment information from a payment card of the user based on a payment transaction between the merchant and the user; and
storing, by the computer system, the payment information within the profile of the user.

3. The method of claim 1 , further comprising:
receiving, by the computer system, the payment information based on information provided by the user to the merchant for a purpose different from creating a checkout account.

4. The method of claim 1 , wherein the payment option is based on payment card information of the user, and wherein the payment information stored within the profile of the user comprises the payment card information, the method further comprising:
transmitting, by the computer system, the payment card information to the payment service provider to create and link to a checkout account.

5. The method of claim 1 , wherein the payment option is based on payment card information of the user, and wherein the payment information stored within the profile of the user does not comprise the payment card information, the method further comprising:
receiving, by the computer system, the payment card information based on information entered by the user to create a checkout account.

6. The method of claim 5 , wherein the payment information stored within the profile of the user is based information entered by the user while checking out or adding a payment card to a merchant app.

7. The method of claim 1 , wherein receiving, by the computer system, the user consent to add the payment option to the user account comprises receiving the user consent from a merchant application, wherein a checkout interface provided by the payment service provider is integrated with the merchant application.

8. A computer-implemented system for adding a payment option to a payment service provider, 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 merchant is a custodian of the profile;
query, by the computer system, a database of a payment service provider based on the profile to identify a user account associated with the user;
determine, by the computer system, that the user account in the database of the payment service provider does not contain the payment information;
retrieve, by the computer system, address information for a user mobile device associated with the user account;
transmit, by the computer system to the user mobile device, a request for user consent to add a payment option to the user account, wherein the request for user consent does not require the user to provide the payment information;
receive, by the computer system, the user consent to add a payment option to the user account; and
transmit, by the computer system, the payment information to the payment service provider based on receiving the user consent, wherein the payment service provider adds the payment option to the user account based on receiving the payment information.

9. The system of claim 8 , wherein the user account comprises a checkout account, and wherein the instructions stored in the memory are further to:
receive, by the computer system, the payment information from a payment card of the user based on a payment transaction between the merchant and the user; and
store, by the computer system, the payment information within the profile of the user.

10. The system of claim 8 , wherein the instructions stored in the memory are further to:
receive, by the computer system, the payment information based on information provided by the user to the merchant for a purpose different from creating a checkout account.

11. The system of claim 8 , wherein the payment option is based on payment card information of the user, wherein the payment information stored within the profile of the user comprises the payment card information, and wherein the instructions stored in the memory are further to:
transmit, by the computer system, the payment card information to the payment service provider to create and link to a checkout account.

12. The system of claim 8 , wherein the payment option is based on payment card information of the user, wherein the payment information stored within the profile of the user does not comprise the payment card information, and wherein the instructions stored in the memory are further to:
receive, by the computer system, the payment card information based on information entered by the user to create a checkout account.

13. The system of claim 12 , wherein the payment information stored within the profile of the user is based information entered by the user while checking out or adding a payment card to a merchant app.

14. The system of claim 8 , wherein receiving, by the computer system, the user consent to add the payment option to the user account comprises receiving the user consent from a merchant application, and wherein a checkout interface provided by the payment service provider is integrated with the merchant application.

15. A processor-readable non-transitory medium storing processor-issuable instructions to:
identify, by a computer system associated with a merchant, payment information stored within a profile of a user, wherein the merchant is a custodian of the profile;
query, by the computer system, a database of a payment service provider based on the profile to identify a user account associated with the user;
determine, by the computer system, that the user account in the database of the payment service provider does not contain the payment information;
retrieve, by the computer system, address information for a user mobile device of the user associated with the user account;
transmit, by the computer system to a user mobile device, a request for user consent to add a payment option to the user account, wherein the request for user consent does not require the user to provide the payment information;
receive, by the computer system, the user consent to add a payment option to the user account; and
transmit, by the computer s

Assignees

• Visa Int Service Ass

Inventors

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

Classifications

• G06F16/24573 Primary

  using data annotations, e.g. user-defined metadata · CPC title

• G06Q20/227

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

• G06Q20/36

  using electronic wallets or electronic money safes · CPC title

• G06Q20/02 Primary

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

• G06Q20/20

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