The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Mar. 18, 2025
Filed:
Aug. 29, 2019
Wells Fargo Bank, N.a., San Francisco, CA (US);
Alan W. Hecht, San Francisco, CA (US);
Sotirios Barkas, San Jose, CA (US);
Ann M. Kirk, Deerwood, MN (US);
Peter Rozovski, Concord, CA (US);
Peter L. Shen, Castro Valley, CA (US);
Chate Yap, Orinda, CA (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
A payer computing system includes a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a customer-side application programming interface (API). The instructions, when executed by the processing resource, cause the payer computing system to receive an electronic payment request and, in response, generate a request (e.g., a first API message) to access a biller computing system using a previously generated payer electronic token. The request is transmitted to the biller computing system. The payer computing system receives (e.g., via a second API message) payment information provided by the biller computing system in response to the request to access. Based on payment information, the payer computing system generates a payment transaction and causes (e.g., via a third API message) the payment transaction to be initiated.