US 11,941,689 B2
Method and system for accepting payments on mobile application
Jatin Garg, Frisco, TX (US); Jasbir Banga, Swedesboro, NJ (US); Nirmal Kumar, Frisco, TX (US); Ted Hellman, Fairfax, CA (US); Mizan Miah, Wilmington, DE (US); Ryan S Yoder, Tampa, FL (US); Mohamed Abdullah, Frisco, TX (US); and Angela Govila, Plano, TX (US)
Assigned to JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed by JPMorgan Chase Bank, N.A., New York, NY (US)
Filed on Dec. 7, 2020, as Appl. No. 17/113,998.
Prior Publication US 2022/0180428 A1, Jun. 9, 2022
Int. Cl. G06Q 40/02 (2023.01); G06Q 20/02 (2012.01); G06Q 20/04 (2012.01); G06Q 20/08 (2012.01); G06Q 20/10 (2012.01); G06Q 20/20 (2012.01); G06Q 20/34 (2012.01); G06Q 40/12 (2023.01); H04W 4/80 (2018.01); H04W 76/10 (2018.01)
CPC G06Q 40/02 (2013.01) [G06Q 20/02 (2013.01); G06Q 20/047 (2020.05); G06Q 20/085 (2013.01); G06Q 20/108 (2013.01); G06Q 20/204 (2013.01); G06Q 20/209 (2013.01); G06Q 20/356 (2013.01); G06Q 40/12 (2013.12); H04W 4/80 (2018.02); H04W 76/10 (2018.02)] 20 Claims
OG exemplary drawing
 
1. A method for accepting a payment on an application, the method being implemented by at least one processor and one or more memories, the method comprising:
receiving login information from a client to activate a banking application;
selecting a first set of entry points associated with the client's business banking demand deposit account (DDA) based on determining that the client is eligible for the first set of entry points in response to the login information;
setting up a payment receiving option for receiving a payment via the banking application;
utilizing, to perform a device fraud check, a digital authentication enterprise solution for digital identity intelligence and digital authentication;
receiving, by the banking application, from a customer, credit card information for a transaction between the client and the customer, wherein the transaction between the client and the customer comprises transaction amount data;
initializing a library of a payment processor service;
identifying a container for a credit card tokenization form of the payment processor service;
generating and rendering the credit card tokenization form;
configuring a virtual button that submits a response to the credit card tokenization form when the virtual button in selected;
receiving, from the payment processor service, a tokenized version of the credit card information;
receiving, by the banking application, the transaction amount data corresponding to the transaction between the client and the customer;
complying, by the banking application, with Payment and Card Industry-Data Security Standard (PCI-DSS) by utilizing a physical security as a service (PSaaS) platform to process the transaction amount data based on the credit card information; and
automatically updating the DDA to reflect receipt of the transaction amount data.