Payment Action Page Queue for a Mobile Device

• US 20150088748A1
• Filed: 11/18/2014
• Published: 03/26/2015
• Est. Priority Date: 10/09/2012
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Santiago, Milton, Hope, Christopher, Mallory, Darin Garitt, Pirl, Savit, Rosendahl, Mary R., Whipple, Daniel Marsh
• Application Number:
  US14/546,676
• Publication Number:
  US 20150088748A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

In an exemplary embodiment, a method includes identifying a plurality of initiated payments awaiting approval. An initiated payment is associated with a plurality of payment details describing the initiated payment. A queue comprising a plurality of payment action pages is generated. A payment action page comprises the plurality of payment details describing a corresponding initiated payment. The method further includes displaying on a mobile device a first payment action page of the plurality of payment action pages in the queue and displaying on the mobile device a second payment action page of the plurality of payment action pages in the queue in response to receiving a payment action associated with the first payment action page from the user of the mobile device.

Claims

1. An apparatus, comprising:

an interface operable to receive a plurality of initiated payments awaiting approval, an initiated payment associated with a plurality of payment details describing the initiated payment, wherein the plurality of payment details indicate at least a first currency; and

a processor communicatively coupled to the interface and operable to;

generate a queue comprising a plurality of payment action pages, a payment action page corresponding to an initiated payment of the plurality of initiated payments, a payment action page comprising the plurality of payment details describing the corresponding initiated payment in the indicated first currency;

display on a mobile device a first payment action page of the plurality of payment action pages in the queue to a first user;

receive a payment action associated with the first payment action page from the first user of the mobile device, the payment action associated with the first payment action page comprises;

identifying a second user to forward the corresponding initiated payment;

determining a subset of the plurality of payment details describing the initiated payment based on permissions associated with the second user; and

forwarding the subset of the plurality of payment details associated with the corresponding initiated payment to the second user in a second currency indicated by the first user, the second currency being a different currency than the first currency; and

display on the mobile device a second payment action page of the plurality of payment action pages in the queue in response to receiving the payment action associated with the first payment action page.

2. The apparatus of claim 1, wherein the processor is further operable to display a plurality of payment summaries simultaneously on a mobile device, a payment summary corresponding to an initiated payment of the plurality of initiated payments, a payment summary comprising a subset of the plurality of payment details describing the corresponding initiated payment.

3. The apparatus of claim 2, wherein the plurality of payment details of a payment action page corresponding to an initiated payment include the recipient of the initiated payment, the monetary amount of the initiated payment, and an account from which the monetary amount is to be debited.

4. The apparatus of claim 1, wherein the processor is further operable to display the first payment action page in response to a user action detected while the plurality of payment summaries are simultaneously displayed on the mobile device.

5. The apparatus of claim 1, wherein the processor is further operable to generate and display an action summary page in response to a user action received while a payment action page of the plurality of payment action pages is displayed on the mobile device, the action summary page including an identification of each initiated payment of at least a subset of the plurality of initiated payments and a payment action for each of the initiated payments of the action summary page.

6. The apparatus of claim 1, wherein:

the interface is further operable to transmit a first payment action for the initiated payment corresponding to the first payment action page and a second payment action for the initiated payment corresponding to the second payment action page to an enterprise for processing; and

the processor is further operable to display, in response to the transmission, a confirmation that the first payment action and the second payment action have been submitted to the enterprise.

7. The apparatus of claim 1, wherein one or more first payment details of the plurality of payment details of the first payment action page are received by the interface from a first server of an enterprise via a first application programming interface (API) and one or more second payment details of the plurality of payment details of the first payment action page are received from a second server of the enterprise via a second API.

8. The apparatus of claim 7, wherein the one or more first payment details are displayed in the first payment action page before the one or more second payment details are received from the second server of the enterprise.

9. A non-transitory computer readable medium comprising logic, the logic, when executed by a processor, operable to:

identify a plurality of initiated payments awaiting approval, an initiated payment associated with a plurality of payment details describing the initiated payment, wherein the plurality of payment details indicate at least a first currency;

generate a queue comprising a plurality of payment action pages, a payment action page corresponding to an initiated payment of the plurality of initiated payments, a payment action page comprising the plurality of payment details describing the corresponding initiated payment in the indicated first currency;

display on a mobile device a first payment action page of the plurality of payment action pages in the queue to a first user;

receive a payment action associated with the first payment action page from the first user of the mobile device, the payment action associated with the first payment action page comprises;

identifying a second user to forward the corresponding initiated payment;

determining a subset of the plurality of payment details describing the initiated payment based on permissions associated with the second user; and

forwarding the subset of the plurality of payment details associated with the corresponding initiated payment to the second user in a second currency indicated by the first user, the second currency being a different currency than the first currency; and

display on the mobile device a second payment action page of the plurality of payment action pages in the queue in response to receiving the payment action associated with the first payment action page.

10. The computer readable medium of claim 9, wherein the logic is further operable to display a plurality of payment summaries simultaneously on the mobile device, a payment summary corresponding to an initiated payment of the plurality of initiated payments, a payment summary comprising a subset of the plurality of payment details describing the corresponding initiated payment.

11. The computer readable medium of claim 10, wherein the plurality of payment details of a payment action page corresponding to an initiated payment include the recipient of the initiated payment, the monetary amount of the initiated payment, and an account from which the monetary amount is to be debited.

12. The computer readable medium of claim 9, the logic further operable to display the first payment action page in response to a user action detected while the plurality of payment summaries are simultaneously displayed on the mobile device.

13. The computer readable medium of claim 9, the logic further operable to generate and display an action summary page in response to a user action received while a payment action page of the plurality of payment action pages is displayed on the mobile device, the action summary page including an identification of each initiated payment of at least a subset of the plurality of initiated payments and a payment action for each of the initiated payments of the action summary page.

14. The computer readable medium of claim 9, the logic further operable to:

accept a first payment action for the initiated payment corresponding to the first payment action page and a second payment action for the initiated payment corresponding to the second payment action page;

transmit the first payment action and the second payment action to an enterprise for processing; and

in response to the transmission, display a confirmation that the first payment action and the second payment action have been submitted to the enterprise.

15. The computer readable medium of claim 9, wherein one or more first payment details of the plurality of payment details of the first payment action page are received from a first server of an enterprise via a first application programming interface (API) and one or more second payment details of the plurality of payment details of the first payment action page are received from a second server of the enterprise via a second API.

16. The computer readable medium of claim 15, wherein the one or more first payment details are displayed in the first payment action page before the one or more second payment details are received from the second server of the enterprise.

17. A method, comprising:

identifying a plurality of initiated payments awaiting approval, an initiated payment associated with a plurality of payment details describing the initiated payment, wherein the plurality of payment details indicate at least a first currency;

generating, by a processor, a queue comprising a plurality of payment action pages, a payment action page corresponding to an initiated payment of the plurality of initiated payments, a payment action page comprising the plurality of payment details describing the corresponding initiated payment in the indicated first currency;

displaying on a mobile device a first payment action page of the plurality of payment action pages in the queue to a first user;

receiving a payment action associated with the first payment action page from the first user of the mobile device, the payment action associated with the first payment action page comprises;

identifying a second user to forward the corresponding initiated payment;

determining a subset of the plurality of payment details describing the initiated payment based on permissions associated with the second user; and

forwarding the subset of the plurality of payment details associated with the corresponding initiated payment to the second user in a second currency indicated by the first user, the second currency being a different currency than the first currency; and

displaying on the mobile device a second payment action page of the plurality of payment action pages in the queue in response to receiving the payment action associated with the first payment action page.

18. The method of claim 17, further comprising:

displaying a plurality of payment summaries simultaneously on a mobile device, a payment summary corresponding to an initiated payment of the plurality of initiated payments, a payment summary comprising a subset of the plurality of payment details describing the corresponding initiated payment; and

displaying the first payment action page in response to a user action detected while the plurality of payment summaries are simultaneously displayed on the mobile device.

19. The method of claim 17, further comprising generating and displaying an action summary page in response to a user action received while a payment action page of the plurality of payment action pages is displayed on the mobile device, the action summary page including an identification of each initiated payment of at least a subset of the plurality of initiated payments and a payment action for each of the initiated payments of the action summary page.

20. The method of claim 17, further comprising:

accepting a first payment action for the initiated payment corresponding to the first payment action page and a second payment action for the initiated payment corresponding to the second payment action page;

transmitting the first payment action and the second payment action to an enterprise for processing; and

in response to the transmission, displaying a confirmation that the first payment action and the second payment action have been submitted to the enterprise.