Systems and methods for one-click payments

Patent metadata

Field	Value
Publication number	US-12229759-B2
Application number	US-202218052710-A
Country	US
Kind code	B2
Filing date	Nov 4, 2022
Priority date	Dec 2, 2021
Publication date	Feb 18, 2025
Grant date	Feb 18, 2025

Abstract

Systems and methods for one-click payments are disclosed. A method may include a backend for a financial institution: receiving, from a user electronic device, enrollment of a user in a payments process; generating a token comprising an identification of an API exposed to the backend; communicating the token to the user electronic device; receiving, from a content provider, enrollment of the content provider in the payments process; receiving, at the API, an identifier for the content provider, a cost for content provided by the content provider, and the user identifier; transferring the cost from the user account to the content provider account; and notifying the content provider of completion of the transfer, wherein the content provider is configured to make the content available to the user electronic device after completion of the transfer.

First claim

What is claimed is:

1. A method, comprising:
receiving, at a backend for a financial institution and from a user electronic device, enrollment of a user in a payments process comprising an identification of a user account with the financial institution and a time restriction on payments from the user account;
generating, by the backend, a token comprising an identification of an Application Programming Interface (API) exposed to the backend and an identifier for the user account;
communicating, by the backend, the token to the user electronic device, wherein the user electronic device is configured to store the token in secure storage on the user electronic device or in a browser;
receiving, by the backend and from an electronic device for a content provider, enrollment of the content provider in the payments process comprising an identification of a content provider account with the financial institution;
receiving, by the backend and at the API, a payment request comprising an identifier for the content provider, a cost for content provided by the content provider, and the identifier for the user account, wherein the API is called by user electronic device using the token;
transferring, by the backend, the cost from the user account to the content provider account associated with the identifier of the content provider in response to the payment request being received within the time restriction;
notifying, by the backend, the content provider of completion of the transfer; and
making available, by the content provider, the content available to the user electronic device after completion of the transfer.

2. The method of claim 1 , wherein the content comprises news content, image content, book content, information content, applications, games, etc.

3. The method of claim 1 , wherein the content comprises a service comprising access to WiFi or access to a wireless phone network.

4. The method of claim 1 , wherein the cost is a micropayment.

5. The method of claim 1 , wherein the user electronic device is configured to access the content by downloading the content or downloading an access code to access the content.

6. The method of claim 1 , further comprising:
disabling, by the backend, the token stored on the user electronic device.

7. A method, comprising:
receiving, at a backend for a first financial institution and from a user electronic device, enrollment of a user in a payments process comprising an identification of a user account with the first financial institution and a time restriction on payments from the user account;
generating, by the backend for the first financial institution, a token comprising an identification of an Application Programming Interface (API) exposed to the backend and an identifier for the user account;
communicating, by the backend for the first financial institution, the token to the user electronic device, wherein the user electronic device is configured to store the token in secure storage on the user electronic device or in a browser;
establishing, by the backend for the first financial institution, an account for a second financial institution, wherein the second financial institution maintains an account for the first financial institution and an account for a content provider;
receiving, by the backend and at the API, a payment request comprising an identifier for the content provider, a cost for content provided by the content provider, and the identifier for the user account, wherein the API is called by user electronic device using the token;
transferring, by the backend for the first financial institution, the cost from the user account to the account for the second financial institution associated with the identifier of the second financial institution in response to the payment request being received within the time restriction;
notifying, by the backend for the first financial institution, the content provider of completion of the transfer;
making available, by the content provider the content available to the user electronic device after the completion of transfer; and
settling, by the backend for the first financial institution and with the second financial institution, the account for the second financial institution with the account for the first financial institution.

8. The method of claim 7 , wherein the content comprises news content, image content, book content, information content, applications, games, etc.

9. The method of claim 7 , wherein the content comprises a service comprising access to WiFi or access to a wireless phone network.

10. The method of claim 7 , wherein the cost is a micropayment.

11. The method of claim 7 , wherein the user electronic device is configured to access the content by downloading the content or downloading an access code to access the content.

12. The method of claim 7 , further comprising:
disabling, by the backend for the first financial institution, the token stored on the user electronic device.

13. The method of claim 7 , wherein the backend for the first financial institution settles with the second financial institution using an electronic funds transfer.

14. A non-transitory computer readable storage medium, including instructions stored thereon, which when read and executed by one or more computer processors, cause the one or more computer processors to perform steps comprising:
receiving, from a user electronic device, enrollment of a user in a payments process comprising an identification of a user account with a financial institution and a time restriction on payments from the user account;
generating a token comprising an identification of an Application Programming Interface (API) exposed a backend for the financial institution and an identifier for the user account;
communicating the token to the user electronic device, wherein the user electronic device is configured to store the token;
receiving, from an electronic device for a content provider, enrollment of the content provider in the payments process comprising an identification of a content provider account with the financial institution;
receiving, by the backend and at the API, a payment request comprising an identifier for the content provider, a cost for content provided by the content provider, and the identifier for the user account, wherein the API is called by user electronic device using the token;
transferring, the cost from the user account to the content provider account associated with the identifier of the content provider in response to the payment request being received within the time specified by the time restriction;
notifying the content provider of completion of the transfer; and
making available, by the content provider, the content available to the user electronic device after the completion of the transfer.

15. The non-transitory computer readable storage medium of claim 14 , wherein the content comprises news content, image content, book content, information content, applications, games, etc.

16. The non-transitory computer readable storage medium of claim 14 , wherein the content comprises a service comprising access to WiFi or access to a wireless phone network.

17. The non-transitory computer readable storage medium of claim 14 , further including instructions stored thereon, which when read and executed by one or more computer processors, cause the one or more computer processors to disable the token stored on the user electronic device.

Assignees

• Jpmorgan Chase Bank Na

Inventors

• Farooq Umar

Classifications

• G06Q20/29 Primary

  characterised by micropayments · CPC title

• G06Q20/123

  Shopping for digital content · CPC title

• G06Q30/06

  Buying, selling or leasing transactions · CPC title

• G06Q20/3825 Primary

  Use of electronic signatures · CPC title

• G06Q20/38215 Primary

  Use of certificates or encrypted proofs of transaction rights · CPC title