US 11,790,333 B2
Tokenized data having split payment instructions for multiple accounts in a chain transaction
Alex Miyamoto, Concord, CA (US); and Gorka Sanchez, Elkhorn, NE (US)
Assigned to PAYPAL, INC., San Jose, CA (US)
Filed by PayPal, Inc., San Jose, CA (US)
Filed on Jan. 31, 2022, as Appl. No. 17/588,673.
Application 17/588,673 is a continuation of application No. 16/680,463, filed on Nov. 11, 2019, granted, now 11,321,683.
Application 16/680,463 is a continuation of application No. 14/981,773, filed on Dec. 28, 2015, granted, now 10,475,007, issued on Nov. 12, 2019.
Claims priority of provisional application 62/235,425, filed on Sep. 30, 2015.
Prior Publication US 2022/0261772 A1, Aug. 18, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/10 (2012.01); G06Q 20/26 (2012.01); G06Q 30/0601 (2023.01)
CPC G06Q 20/10 (2013.01) [G06Q 20/26 (2013.01); G06Q 30/0643 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system, comprising:
a processor;
a network interface device; and
a non-transitory computer-readable medium having stored thereon instructions executable to cause the system to perform operations comprising:
receiving, from a digital marketplace platform of a partner service via an application programming interface (API) call for a fee payment request, a digital token corresponding to a payment request from a user to a seller for a transaction corresponding to an item offered via the digital marketplace platform, wherein the digital token comprises tokenized payment data for a payment instrument and includes specified information usable to identify the payment instrument, wherein the specified information includes a number corresponding to a primary account number (PAN) of a funding instrument but cannot be used to directly make a payment by itself, and wherein the PAN is not included in the digital token;
determining the payment instrument at least in part by processing the digital token;
in response to receiving, from the digital marketplace platform, the API call for the fee payment request, accessing an agreement for a fee paid to the partner service by the seller in connection with purchasing of the item, wherein the agreement for the fee comprises an adjustable amount for the fee based on one or more specified transaction criteria selected from a group comprising:
a ranking of the seller involved in the transaction by the partner service, a subscription held by the seller with the partner service, an amount of sales by the seller, a total purchase amount for the transaction, or a size of the seller;
analyzing transaction data for the transaction with respect to the one or more specified transaction criteria;
based on a result of the analyzing, determining a split amount to the partner service for the payment request, wherein the split amount is further based on the adjustable amount for the fee and the total purchase amount for the transaction; and
processing, for the split amount and the payment request using the payment instrument as a funding source, a split payment request comprising a first payment and a second payment to be made, respectively, to a partner account for the partner service and to a seller account for the seller, wherein a first amount resulting to the partner account comprises the split amount, wherein a second amount resulting to the seller account is based on the total purchase amount for the transaction less the split amount, and wherein the user is charged the total purchase amount.