Granted Patent B2

US 12,579,530 · App. 18/057,395 · Granted Mar 17, 2026

Inventors: Janai A. White (Denver, CO); Denzelle R. Walker (Bridgeport, TX); Blake C. Yarbrough (Aurora, CO); Katherine E. Crawford (Arvada, CO); Caleb H. Kirshner (Denver, CO); Elise A. Carrasco (Austin, TX); Vincent D. Gardiner (Denver, CO)

Assignee: Worldpay, LLC

G06Q20/206G06K7/1417G06Q20/204

Abstract

Claims (50)

1 . A method performed by a user device, the method comprising:

executing an application for providing a real-time payment (RTP) for a transaction between a customer financial institution account that is linked to the application and a merchant financial institution account of a merchant;

generating a user interface (UI) of the application for providing the RTP for the transaction between the customer financial institution account that is linked to the application and the merchant financial institution account of the merchant;

displaying, via the UI of the application, a quick response (QR) screen that concurrently displays a selectable scan QR icon, wherein a selection of the selectable scan QR icon is configured to allow the user device to read a QR code presented via a point-of-sale (POS) device of the merchant, and a selectable show QR icon, wherein a selection of the selectable show QR icon is configured to display a QR code to be read by the POS device of the merchant;

receiving a selection of the selectable show QR icon;

in response to receiving the selection of the selectable show QR icon, displaying, on a display of the user device via the UI of the application, a QR code to be read by the point-of-sale (POS) device of the merchant to obtain transaction information and provide a payment request including the transaction information to a payment facilitator device to request a customer financial institution server to provide the RTP for a transaction amount specified in the transaction information obtained by reading the QR code displayed by the user device for the transaction from the customer financial institution account to the merchant financial institution account;

receiving, from the payment facilitator device, a request for a customer authorization to confirm the transaction information received from a merchant in response to the POS device reading the QR code displayed by the user device; and

providing the customer authorization to the payment facilitator device.

2 . The method of claim 1 , further comprising:

displaying, via the UI of the application, a set of customer financial institution accounts, including the customer financial institution account, that are linked to the application; and

receiving a selection of the customer financial institution account to be used to provide the RTP,

wherein the displaying the QR comprises displaying the QR code including information identifying the customer financial institution account, based on receiving the selection of the customer financial institution account.

3 . The method of claim 1 , further comprising:

displaying, via the UI of the application, a preferences screen that permits a customer to set a budget, and setup two-factor authentication.

4 . The method of claim 1 , wherein the payment facilitator device provides a payment authorization to a sponsor financial institution to initiate a RTP for the transaction amount of the transaction from the customer financial institution account to the merchant financial institution account via the sponsor financial institution.

5 . The method of claim 1 , wherein the transaction information further includes a merchant ID and a customer ID.

6 . A user device comprising:

a memory configured to store instructions; and

a processor configured to execute the instructions to perform operations comprising:

executing an application for providing a real-time payment (RTP) for a transaction between a customer financial institution account that is linked to the application and a merchant financial institution account of a merchant;

generating a user interface (UI) of the application for providing the RTP for the transaction between the customer financial institution account that is linked to the application and the merchant financial institution account of the merchant;

displaying, via the UI of the application, a quick response (QR) screen that concurrently displays a selectable scan QR icon, wherein a selection of the selectable scan QR icon is configured to allow the user device to read a QR code presented via a point-of-sale (POS) device of the merchant, and a selectable show QR icon, wherein a selection of the selectable show QR icon is configured to display a QR code to be read by the POS device of the merchant;

receiving a selection of the selectable show QR icon;

in response to receiving the selection of the selectable show QR icon, displaying, on a display of the user device via the UI of the application, a QR code to be read by the point-of-sale (POS) device of the merchant to obtain transaction information and provide a payment request including the transaction information to a payment facilitator device to request a customer financial institution server to provide the RTP for a transaction amount specified in the transaction information obtained by reading the QR code displayed by the user device for the transaction from the customer financial institution account to the merchant financial institution account;

receiving, from the payment facilitator device, a request for a customer authorization to confirm the transaction information received from a merchant in response to the POS device reading the QR code displayed by the user device; and

providing the customer authorization to the payment facilitator device.

7 . The user device of claim 6 , wherein the operations further comprise:

displaying, via the UI of the application, a set of customer financial institution accounts, including the customer financial institution account, that are linked to the application; and

receiving a selection of the customer financial institution account to be used to provide the RTP,

wherein the displaying the QR comprises displaying the QR code including information identifying the customer financial institution account, based on receiving the selection of the customer financial institution account.

8 . The user device of claim 6 , wherein the operations further comprise:

displaying, via the UI of the application, a preferences screen that permits a customer to set a budget, and setup two-factor authentication.

9 . The user device of claim 6 , wherein the payment facilitator device provides a payment authorization to a sponsor financial institution to initiate a RTP for the transaction amount of the transaction from the customer financial institution account to the merchant financial institution account via the sponsor financial institution.

10 . The user device of claim 6 , wherein the transaction information further includes a merchant ID and a customer ID.

11 . A non-transitory computer-readable medium storing instructions that, when executed by a processor of a user device, cause the processor to perform operations comprising:

executing an application for providing a real-time payment (RTP) for a transaction between a customer financial institution account that is linked to the application and a merchant financial institution account of a merchant;

generating a user interface (UI) of the application for providing the RTP for the transaction between the customer financial institution account that is linked to the application and the merchant financial institution account of the merchant;

displaying, via the UI of the application, a quick response (QR) screen that concurrently displays a selectable scan QR icon, wherein a selection of the selectable scan QR icon is configured to allow the user device to read a QR code presented via a point-of-sale (POS) device of the merchant, and a selectable show QR icon, wherein a selection of the selectable show QR icon is configured to display a QR code to be read by the POS device of the merchant;

receiving a selection of the selectable show QR icon;

in response to receiving the selection of the selectable show QR icon, displaying, on a display of the user device via the UI of the application, a QR code to be read by the point-of-sale (POS) device of the merchant to obtain transaction information and provide a payment request including the transaction information to a payment facilitator device to request a customer financial institution server to provide the RTP for a transaction amount specified in the transaction information obtained by reading the QR code displayed by the user device for the transaction from the customer financial institution account to the merchant financial institution account;

receiving, from the payment facilitator device, a request for a customer authorization to confirm the transaction information received from a merchant in response to the POS device reading the QR code displayed by the user device; and

providing the customer authorization to the payment facilitator device.

12 . The non-transitory computer-readable medium of claim 11 , wherein the operations further comprise:

displaying, via the UI of the application, a set of customer financial institution accounts, including the customer financial institution account, that are linked to the application; and

receiving a selection of the customer financial institution account to be used to provide the RTP,

wherein the displaying the QR comprises displaying the QR code including information identifying the customer financial institution account, based on receiving the selection of the customer financial institution account.

13 . The non-transitory computer-readable medium of claim 11 , wherein the operations further comprise:

displaying, via the UI of the application, a preferences screen that permits a customer to set a budget, and setup two-factor authentication.

14 . The non-transitory computer-readable medium of claim 11 , wherein the payment facilitator device provides a payment authorization to a sponsor financial institution to initiate a RTP for the transaction amount of the transaction from the customer financial institution account to the merchant financial institution account via the sponsor financial institution.

15 . The non-transitory computer-readable medium of claim 11 , wherein the transaction information further includes a merchant ID and a customer ID.

Assignments (5)

Continuity (2)

References Cited (13)