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:
Oct. 14, 2025
Filed:
Dec. 20, 2022
Srinivas Vadhri, San Ramon, CA (US);
Srinivas Vadhri, San Ramon, CA (US);
Abstract
Payment systems and methods that facilitate electronic payer-payee financial transactions, using one or more universal payment identifiers, are disclosed. One method includes a payer computing device receiving a payment credential associated with a payee. The payment credential may be mapped to a universal payment address. The payer computing device may request a payment server for a payee account information associated with the payment credential. The payment server may translate the payment credential to the universal payment address, resolve the universal payment address to the payee account information, retrieve the payee account information using the universal payment address, and transmit the payee account information to the payer computing device. The payer computing device may perform a payment PUSH operation to the payment server. The payment server may forward the payment PUSH operation to the payee account to complete a financial transaction between the payer computing device and the payee.