US 11,734,659 B2
Message-based bill payment
Christopher J. Brunner, El Segundo, CA (US)
Assigned to Pay2Day Solutions, Inc., El Segundo, CA (US)
Filed by Pay2Day Solutions, Inc., El Segundo, CA (US)
Filed on Oct. 8, 2021, as Appl. No. 17/497,032.
Application 17/497,032 is a continuation of application No. 15/142,667, filed on Apr. 29, 2016, granted, now 11,144,895.
Claims priority of provisional application 62/155,631, filed on May 1, 2015.
Prior Publication US 2022/0101283 A1, Mar. 31, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/10 (2012.01); H04W 4/14 (2009.01); G06F 21/31 (2013.01)
CPC G06Q 20/102 (2013.01) [H04W 4/14 (2013.01); G06F 21/31 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computing platform for message-based financial transactions, the computing platform comprising:
a memory including a non-volatile computer readable medium;
one or more processors; and
non-transitory computer executable code embodied in the non-volatile computer readable medium of the memory, the code executable by the one or more processors to:
receive consumer-specific information related to a financial transaction between a consumer and a merchant;
present the financial transaction to the consumer over a data network via a short message format for receipt at a computing device of the consumer;
receive a message related to the financial transaction over the data network via the short message format from the computing device of the consumer, the message included within a single thread that includes a plurality of messages related to a plurality of financial transactions for the consumer;
automatically disambiguate the message related to the financial transaction from the plurality of messages related to the plurality of financial transactions to identify at least the merchant and the financial transaction based on one or more of: (i) one or more keywords included in the message, (ii) a messaging history for the consumer, (iii) historical behavior of the consumer, and (iv) outstanding financial transactions for the consumer;
automatically authenticate the consumer using a secure transaction component of a transaction facility prior to initiating a processing action for the financial transaction; and
upon completion of the authentication, initiate the processing action for the financial transaction based on an interpretation of the message as disambiguated.