PEER-TO-PEER PAYMENT PROCESSING
    1.
    发明公开

    公开(公告)号:US20240362609A1

    公开(公告)日:2024-10-31

    申请号:US18629456

    申请日:2024-04-08

    Applicant: GROUPON, INC.

    Abstract: Systems and related methods facilitating payments with a mobile device are discussed herein. Circuitry in a networked-based payment system may be configured to receive payment information from a first device. The first device may include circuitry configured to wirelessly receive wallet identifying data from the payment system. The wallet identifying data may be used to secure messages between the first device and another device over a wireless link. For example, the first device may be configured to send the wallet identifying data to a second device, which may then communicate with the payment system. In response, consumer identifying data associated with the wallet identifying data may be received by the second device from the payment system. In some embodiments, use of wallet identifying data may be applied to other communications, such as for messages that authorize payment.

    SECURE CHECK PROCESSING SYSTEM AND RELATED METHOD

    公开(公告)号:US20240320639A1

    公开(公告)日:2024-09-26

    申请号:US18731425

    申请日:2024-06-03

    Applicant: iWallet, Inc.

    Inventor: Dmitriy Kolchin

    Abstract: A system for enabling third-party payment processing in customer relationship management (CRM) systems is disclosed. The system includes an electronic database configured to store transactional data and customer information, including a designated field for tags; a tag detection module configured to monitor the designated field within the database for the presence of a predefined tag associated with third-party payment processing; an API interface module configured to establish communication between the CRM system and third-party payment processors upon detection of the predefined tag; and a transaction initiation module configured to initiate a billing event with the third-party payment processor based on the transactional data and customer information associated with the detected tag.

    Method and system for performing an operation in response to a session handoff

    公开(公告)号:US12095845B1

    公开(公告)日:2024-09-17

    申请号:US18174167

    申请日:2023-02-24

    CPC classification number: H04L67/04 G06Q20/0855 H04L67/14

    Abstract: A server computer system, comprises a processor; a communications module coupled to the processor; and a memory coupled to the processor, the memory storing instructions that, when executed, configure the processor to receive, via the communications module and from a third party server computer system, a session handoff that includes session definition data identifying two or more items; provide, via the communications module and to a client device, a user interface for defining instructions based on the session definition data; receive, via the communications module and from the client device, the instructions defining at least one threshold associated with the two or more items; and perform an operation in accordance with the instructions defining the at least one threshold.

    Omnibus Address Generation and Autoconversion of Cryptocurrency

    公开(公告)号:US20240265376A1

    公开(公告)日:2024-08-08

    申请号:US18637510

    申请日:2024-04-17

    Applicant: Coinbase, Inc.

    CPC classification number: G06Q20/381 G06Q20/0855 G06Q40/02 G06Q40/04

    Abstract: Aspects of the disclosure relate to event processing. A computing platform may prefetch, prior to receipt of a purchase request, a plurality of pay to addresses (associated with an omnibus account, used to route funds from the omnibus account to a merchant account, and not associated with a particular merchant account when prefetched). The computing platform may receive, from a client, a request to make a purchase from a merchant, and may associate the client and the merchant with one of the prefetched pay to addresses/notify the client of the prefetched pay to address. The computing platform may monitor the prefetched pay to address for receipt of a predefined amount of cryptocurrency associated with the purchase. Upon detecting receipt of the predefined amount of cryptocurrency, the computing platform may transfer funds corresponding to the purchase from the omnibus account to an account for the merchant.

    Systems and methods for configuring serverless authorization stream access (ASA) for virtual bank account transactions

    公开(公告)号:US12033122B2

    公开(公告)日:2024-07-09

    申请号:US17859977

    申请日:2022-07-07

    Applicant: Lithic, Inc.

    CPC classification number: G06Q20/108 G06Q20/0855 G06Q20/401

    Abstract: In one embodiment, a method includes receiving customized schema parameters associated with a request for a customized transaction schema associated with a payment processor from an external server associated with the payment processor by servers of a receiver processor platform, retrieving a pre-configured transaction schema comprising pre-configured schema parameters, generating the customized transaction schema associated with the payment processor by integrating the customized schema parameters into the pre-configured transaction schema, wherein the servers of the receiver processor platform are configured to generate transaction resource configurations based on the customized transaction schema, each transaction resource configuration being configured for processing transaction authorization requests to authorize respective transactions associated with a transfer of resources to a receiving entity from a user associated with the payment processor, and storing the customized transaction schema associated with the payment processor.

    Embedded application within a buyer application

    公开(公告)号:US11983697B2

    公开(公告)日:2024-05-14

    申请号:US17114128

    申请日:2020-12-07

    Applicant: Block, Inc.

    Abstract: Techniques described herein are directed to application(s), or parts thereof, that are embedded into a buyer application. In an example, engagement with a buyer application on a computing device of a buyer can be detected. A particular, discrete functionality of a merchant application of the merchant can be triggered to be initialized in response to the engagement and the particular, discrete functionality associated with the merchant application can be accessed. In an example, an indication of a transaction between the merchant and the buyer can be received and the indication of the transaction can be associated with stored activity data of one or more transactions of the buyer, wherein the one or more transactions are associated with the buyer application.

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