Granted Patent B2

US 12,387,190 · App. 18/500,687 · Granted Aug 12, 2025

Inventors: Nicholas Molnar (Melbourne, AU); David Whiteman (Melbourne, AU)

Assignee: Afterpay Pty Ltd

G06Q20/28G06Q20/20G06Q20/202G06Q20/24G06Q20/3223G06Q20/3274G06Q20/425G06Q40/02

Abstract

Claims (54)

1. A method implemented, at least in part, by computing devices of an installment payment service, the method comprising:

receiving, via a user interface presented by a mobile device, a request to set up a payment for an amount using multiple future installments;

analyzing data associated with a user of the mobile device to generate authorization data indicative of an authorization of the multiple future installments, wherein the authorization data remains valid for use with a plurality of merchants for a designated period of time or until the amount requested is exceeded;

sending the authorization data to the mobile device, wherein the authorization data is presentable, via the mobile device, to individual merchants of the plurality of merchants in association with transactions for goods or services;

receiving, from a merchant device of a merchant of the plurality of merchants, data associated with a transaction between the user and the merchant, wherein the data associated with the transaction identifies at least one good or service, a total amount of the at least one good or service, and an indication of the authorization data;

determining, based at least in part on the data associated with the transaction, that the total amount is less than the amount requested and that the data associated with the transaction was received during the designated period of time;

sending a confirmation to the merchant device of the merchant; and

initiating the multiple future installments at respective points in time.

2. The method as claim 1 recites, wherein the authorization data is readable via a sensor associated with the merchant device.

3. The method as claim 1 recites, wherein the authorization data comprises at least one of a barcode, a QR code, a picture, or a logo.

4. The method as claim 1 recites, wherein the authorization data comprises at least one of text or numbers.

5. The method as claim 1 recites, wherein the authorization data is presentable in association with payment data corresponding to a payment instrument of a user.

6. The method as claim 1 recites, wherein the request is received during checkout for the transaction at a point-of-sale.

7. The method as claim 1 recites, wherein the request is received before checkout for the transaction.

8. The method as claim 1 recites, wherein the transaction comprises a first transaction, the merchant device comprises a first merchant device, the data associated with the transaction comprises first data associated with the first transaction, the at least one good or service comprise at least one first good or first service, the total amount comprises a first total amount, the indication comprises a first indication, the confirmation comprises a first confirmation, the respective points in time comprise first respective points in time, the multiple future installments comprise multiple first future installments, and the method further comprising:

receiving, from a second merchant device of a second merchant of the plurality of merchants, second data associated with a second transaction between the user and the second merchant, wherein the second data identifies at least one second good or second service, a second total amount of the at least one second good or second service, and a second indication of the authorization data;

determining, based at least in part on the second data, that the second total amount is less than a balance, after the first transaction, of the amount requested;

sending a second confirmation to the second merchant device of the second merchant; and

initiating multiple second future installments at second respective points in time.

9. The method as claim 1 recites, wherein the confirmation comprises a first confirmation, the method further comprising:

sending a second confirmation to the mobile device.

10. The method as claim 1 recites, wherein the amount requested comprises a buffer amount in addition to an anticipated total amount for the at least one good or service, and wherein the total amount includes the amount requested and an additional amount associated with additional items or higher-priced items than anticipated.

11. The method as claim 1 recites, wherein the amount requested comprises a buffer amount in addition to an anticipated total amount for the at least one good or service, and wherein the total amount includes the amount requested and an additional amount associated with a changed exchange rate.

12. One or more non-transitory computer-readable media storing instructions executable by one or more processors that, when executed by the one or more processors, cause the one or more processors to perform acts comprising:

receiving, by one or more computing devices of an installment payment service, via a user interface presented by a mobile device, a request to set up a payment for an amount using multiple future installments;

analyzing, by the one or more computing devices, data associated with a user of the mobile device to generate authorization data indicative of an authorization of the multiple future installments, wherein the authorization data remains valid for use with a plurality of merchants for a designated period of time or until the amount requested is exceeded;

sending, by the one or more computing devices, the authorization data to the mobile device, wherein the authorization data is presentable, via the mobile device, to individual merchants of the plurality of merchants in association with transactions for goods or services;

receiving, by the one or more computing devices, from a merchant device of a merchant of the plurality of merchants, data associated with a transaction between the user and the merchant, wherein the data associated with the transaction identifies at least one good or service, a total amount of the at least one good or service, and an indication of the authorization data;

determining, by the one or more computing devices, based at least in part on the data associated with the transaction, that the total amount is less than the amount requested and that the data associated with the transaction was received during the designated period of time;

sending, by the one or more computing devices, a confirmation to the merchant device of the merchant, wherein the authorization data remains valid for use with the merchant or other merchants for a designated period of time or until the amount requested is exceeded; and

initiating, by the one or more computing devices, the multiple future installments at respective points in time.

13. The one or more non-transitory computer-readable media as claim 12 recites, wherein the authorization data is readable via a sensor associated with the merchant device.

14. The one or more non-transitory computer-readable media as claim 12 recites, wherein the authorization data is presentable in association with payment data corresponding to a payment instrument of a user.

15. The one or more non-transitory computer-readable media as claim 12 recites, wherein the request is received during checkout for the transaction at a point-of-sale.

16. A system comprising:

one or more processors; and

one or more non-transitory computer-readable media storing instructions executable by the one or more processors, wherein the instructions cause the one or more processors to perform acts comprising:

receiving, via a user interface presented by a mobile device, a request to set up a payment for an amount using multiple future installments;

analyzing data associated with a user of the mobile device to generate authorization data indicative of an authorization of the multiple future installments, wherein the authorization data remains valid for use with a plurality of merchants for a designated period of time or until the amount requested is exceeded;

sending the authorization data to the mobile device, wherein the authorization data is presentable, via the mobile device, to individual merchants of the plurality of merchants in association with transactions for goods or services;

receiving, from a merchant device of a merchant of the plurality of merchants, data associated with a transaction between the user and the merchant,

wherein the data associated with the transaction identifies at least one good or service, a total amount of the at least one good or service, and an indication of the authorization data;

determining, based at least in part on the data associated with the transaction, that the total amount is less than the amount requested and that the data associated with the transaction was received during the designated period of time;

sending a confirmation to the merchant device of the merchant; and

initiating the multiple future installments at respective points in time.

17. The system as claim 16 recites, wherein the authorization data is readable via a sensor associated with the merchant device.

18. The system as claim 16 recites, wherein the authorization data comprises at least one of a barcode, a QR code, a picture, or a logo.

19. The system as claim 16 recites, wherein the authorization data is presentable in association with payment data corresponding to a payment instrument of a user.

20. The system as claim 16 recites, wherein the merchant device is a first merchant device, the merchant is a first merchant, the transaction is a first transaction, the acts further comprising:

receiving, from a second merchant device of a second merchant, second data associated with a second transaction between the user and the second merchant, wherein the second data identifies at least one second good or second service, a second total amount of the at least one second good or second service, and a second indication of the authorization data;

determining, based at least in part on the second data and without generating additional authorization data, that the second total amount is less than a balance, after the first transaction, of the amount requested;

determining, based at least in part on the second data, that the designated period of time has not expired;

sending a second confirmation to the second merchant device of the second merchant; and

initiating multiple second future installments at second respective points in time.

Assignments (2)

Priority Claims (1)

Continuity (3)

References Cited (17)