Facebook, Inc.

Yegnashankar Parasuram

Kevin Patrick Hurley

Jonathan B Gheller

Roy Vance McElmurry

Shengling Hu

Chirag Chhagan Chheda

Martin Kralik

Alex Chao Qin

Reinardus Surya Pradhitya

Dipanshu Agrawal

Anand Subbarayan

Shuo Song

Akshay Mittal

Alexandre Couturon

Xishuo Liu

Max Zimmerman

Waseem Ahmad

The present disclosure relates to systems, methods, and devices that provide a transactional payment system. In particular, the transactional payment system allows users of a messaging system to send and receive electronic payments to and from other users of the messaging system. A messaging application on a client device can receive payment information input (such as a payment amount and payment method) from a sender for making a payment to a recipient. The messaging application can send a payment message including the payment information to a messaging system, and the messaging system coordinates a payment process based on the payment information. During the payment process, the messaging system can provide status updates to the sender and receiver of the payment via status messages that are included in a message thread corresponding to the sender and the recipient.

Sending and receiving payments using a message system

The disclosure relates to systems, methods, and devices for processing payment transactions between a user and a merchant using a messaging bot. In particular, a commerce system allows the user to initiate a communications session with a messaging bot associated with the merchant using natural language. One or more embodiments use natural language processing to analyze messages from the user to the messaging bot, and from the messaging bot to the user, to identify a product and a request to purchase the identified product. Based on the identified product and the request to purchase the product, one or more embodiments initiate a payment transaction on behalf of the user based on a natural language conversation and without redirecting the user away from the communications session. Additionally, one or more implementations provide a payment initiation message from the messaging bot to the user indicating that the payment transaction was initiated.

Processing payment transactions using artificial intelligence messaging services

Methods and systems for processing payments using payment aggregators are provided. In particular, one or more embodiments comprise an e-commerce payment facilitator that acts as an intermediary between a commerce application and a plurality of payment aggregators. This allows the e-commerce payment facilitator to provide a user with payment methods supported by the plurality of payment aggregators. Furthermore, one or more embodiments enable the e-commerce payment facilitator to route transactions to payment aggregators based on various factors, such as availability, reliability, and profitability. In addition, one or more embodiments provide e-commerce payment facilitators with greater control over the processing of transactions by allowing for the routing and distribution of transactions across multiple payment aggregators.

Routing payments to payment aggregators

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Cupertino, CA, United States of America

Yegnashankar Parasuram