×

Changing a financial account after initiating a payment using a proxy card

  • US 10,692,072 B1
  • Filed: 12/04/2017
  • Issued: 06/23/2020
  • Est. Priority Date: 10/22/2013
  • Status: Expired due to Fees
First Claim
Patent Images

1. A method for performing a payment, the method comprising:

  • receiving, by a computer system from an object identifier, transaction information associated with the payment between a payee and a payer, and object information identifying a payment object account associated with a plurality of payment accounts;

    accessing, by the computer system, a database to identify the plurality of payment accounts based on the object information;

    selecting, by the computer system, at least one first payment account from the plurality of payment accounts, to use for the payment;

    sending an authorization, by the computer system to the object identifier, for the payment;

    initiating the payment from the selected at least one first payment account based on the authorization;

    sending a message to a device associated with the payer, the message causing display of a notification indicating the plurality of payment accounts, and the transaction information;

    receiving, by the computer system, selection information indicating a selection of at least one payment account of the at least one first payment account and a second payment account of the plurality of payment accounts within a time limit to change the selected at least one first payment account to the second payment account; and

    causing, by the computer system, funds for the payment to be transferred from the selected payment account to an account associated with the payee.

View all claims
  • 2 Assignments
Timeline View
Assignment View
    ×
    ×