Purchase instructions complying with reservation instructions
First Claim
1. A method, comprising:
- syncing, by a computer based system, a financial transaction account associated with a user with a channel;
receiving, by the computer based system and from the channel, reservation information representative of a reservation of a reserved item from a merchant system, wherein the reservation is created in the channel;
associating, by the computer based system, an identifier with the reservation information;
synching, by the computer based system, the reservation information with the financial transaction account;
determining, by the computer based system and via the channel, an indication that the reserved item was used;
receiving, by the computer based system and from the merchant system through the channel, purchase instructions with a request to initiate a payment within the channel;
confirming, by the computer based system, that the purchase instructions comply with reservation instructions;
confirming, by the computer based system, that the reserved item conforms to the reservation information and the financial transaction account; and
initiating, by the computer based system, a financial transaction in response to the indication that the reserved item has been used.
1 Assignment
0 Petitions
Accused Products
Abstract
The systems, methods, and computer program products (collectively “systems”) described herein are generally configured to monitor actions in digital channels. More specifically, the systems are capable of creating reservations for items and initiating payments for the items based on actions or information received from the digital channel. The systems are capable of syncing transaction accounts with various digital channels. Moreover, the systems are capable of initiating or completing transaction based on user information. The systems may also be capable of providing rewards based on activities or accomplishments in the digital channels. Moreover, the systems may be capable of verifying activities based on transaction information.
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Citations
20 Claims
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1. A method, comprising:
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syncing, by a computer based system, a financial transaction account associated with a user with a channel; receiving, by the computer based system and from the channel, reservation information representative of a reservation of a reserved item from a merchant system, wherein the reservation is created in the channel; associating, by the computer based system, an identifier with the reservation information; synching, by the computer based system, the reservation information with the financial transaction account; determining, by the computer based system and via the channel, an indication that the reserved item was used; receiving, by the computer based system and from the merchant system through the channel, purchase instructions with a request to initiate a payment within the channel; confirming, by the computer based system, that the purchase instructions comply with reservation instructions; confirming, by the computer based system, that the reserved item conforms to the reservation information and the financial transaction account; and initiating, by the computer based system, a financial transaction in response to the indication that the reserved item has been used. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A non-transitory computer program product having computer-executable instructions stored thereon that, if executed by a computer based system, causes the computer based system to be capable of performing operations comprising:
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syncing, by the computer based system, a financial transaction account associated with a user with a channel; receiving, by the computer based system and from the channel, reservation information representative of a reservation of a reserved item from a merchant system, wherein the reservation is created in the channel; associating, by the computer based system, an identifier with the reservation information; synching, by the computer based system, the reservation information with the financial transaction account; determining, by the computer based system and via the channel, an indication that the reserved item was used; receiving, by the computer based system and from the merchant system through the channel, purchase instructions with a request to initiate a payment within the channel; confirming, by the computer based system, that the purchase instructions comply with reservation instructions; confirming, by the computer based system, that the reserved item conforms to the reservation information and the financial transaction account; and initiating, by the computer based system, a financial transaction in response to the indication that the reserved item has been used.
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20. A computer based system, comprising:
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a processor; and a non-transitory memory configured to communicate with the processor, the non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising; syncing, by the processor, a financial transaction account associated with a user with a channel; receiving, by the processor and from the channel, reservation information representative of a reservation of a reserved item from a merchant system, wherein the reservation is created in the channel; associating, by the processor, an identifier with the reservation information; synching, by the processor, the reservation information with the financial transaction account; determining, by the processor and via the channel, an indication that the reserved item was used; receiving, by the processor and from the merchant system through the channel, purchase instructions with a request to initiate a payment within the channel; confirming, by the processor, that the purchase instructions comply with reservation instructions; confirming, by the processor, that the reserved item conforms to the reservation information and the financial transaction account; and initiating, by the processor, a financial transaction in response to the indication that the reserved item has been used.
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Specification