US 12,190,306 B2
Integration of multi-user interactions using data linkage
Jason Ambrose, Austin, TX (US); Jon Lagomarsino, San Francisco, CA (US); Melissa Parker Hughes, Sausalito, CA (US); and Chloe Saintilan, New York, NY (US)
Assigned to Afterpay Pty Ltd, Melbourne (AU)
Filed by Afterpay Limited, Melbourne (AU)
Filed on Aug. 10, 2022, as Appl. No. 17/884,874.
Prior Publication US 2024/0054472 A1, Feb. 15, 2024
Int. Cl. G06Q 20/24 (2012.01); G06Q 20/22 (2012.01); H04L 67/306 (2022.01)
CPC G06Q 20/24 (2013.01) [G06Q 20/227 (2013.01); H04L 67/306 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method implemented by at least one computing device of a service provider, the method comprising:
receiving, by the at least one computing device via a first user interface associated with a first user profile, a request to initiate a transaction, wherein the transaction is associated with a time period for purchase of a first item;
during the time period:
identifying the transaction as a potential multi-user transaction;
causing, by the at least one computing device, indicators of other user profiles that are associated with the first user profile to be presented via the first user interface;
receiving by the at least one computing device, and via the first user interface, an indication of a selection of at least a second user profile from the indicators of the other user profiles;
in response to receiving the indication of the selection, generating, by the at least one computing device, a dynamic user-specific interactive element embedded with data, wherein interaction with the dynamic user-specific interactive element causes display of, via a second user interface, an indication of a second item offered for purchase exclusively to a user associated with the second user profile and an indication based on time remaining in the time period;
sending, by the at least one computing device, the dynamic user-specific interactive element to a user device associated with the second user profile; and
receiving, by the at least one computing device, an indication of an intent to participate in the transaction by purchasing the second item;
querying, by the at least one computing device, an account associated with the first user profile to determine whether sufficient funds are available for a payment of the first item;
querying, by the at least one computing device, an account associated with the second user profile to determine whether sufficient funds are available for a payment of the second item; and
in response to determining sufficient funds are available for each payment, facilitating, by the at least one computing device and at a time prior to expiration of the time period, payment of the transaction, wherein facilitating the payment causes first funds for a cost of the first item to be withdrawn from the account associated with the first user profile for payment of the first item and second funds for a cost of the second item to be withdrawn from the account associated with the second user profile for payment of the second item, and depositing the first funds and the second funds in an account associated with a merchant that provides the first item and the second item, and wherein the account associated with the first user profile and the account associated with the second user profile are maintained by the service provider.