US 11,887,087 B2
Systems, methods, and apparatuses for facilitating transfers between user commerce accounts associated with a merchant of a commerce platform
Christopher Continanza, Berkeley, CA (US); Shreyas Surendra Doshi, Piedmont, CA (US); Brian David Krausz, San Francisco, CA (US); and Jay Shah, San Francisco, CA (US)
Assigned to STRIPE, INC., South San Francisco, CA (US)
Filed by Stripe, Inc., South San Francisco, CA (US)
Filed on Jan. 6, 2023, as Appl. No. 18/093,992.
Application 18/093,992 is a continuation of application No. 15/892,290, filed on Feb. 8, 2018, granted, now 11,551,193.
Claims priority of provisional application 62/456,564, filed on Feb. 8, 2017.
Prior Publication US 2023/0281582 A1, Sep. 7, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/12 (2012.01); G06Q 20/08 (2012.01); G06Q 20/02 (2012.01); G06Q 20/36 (2012.01); G06Q 20/22 (2012.01)
CPC G06Q 20/12 (2013.01) [G06Q 20/027 (2013.01); G06Q 20/085 (2013.01); G06Q 20/227 (2013.01); G06Q 20/3676 (2013.01)] 14 Claims
OG exemplary drawing
 
1. A method performed by a payment system having at least a processor and a memory therein to execute instructions, wherein the method comprises:
receiving an order, by a merchant platform account at a payment system, directly from a user device of a customer;
associating a customer charge with the order, the customer charge comprising a common specified transfer group parameter;
creating a set of transfers from the merchant platform account to a set of connected accounts using a set of parameters that include the common specified transfer group parameter, a secret key, and a single-use token, the single-use token associated with a merchant platform and generated using payment information from the customer, wherein the customer charge and the set of transfers are identifiable by the common specified transfer group parameter and linked together for tracking a service associated with the customer charge and the set of transfers;
performing the customer charge from the customer to the merchant platform account using the single-use token and the secret key, in response to a determination that the secret key is valid and is associated with the merchant platform; and
electronically transmitting a portion of proceeds associated with each of the set of transfers from the merchant platform account to each account of the set of connected accounts to perform the service associated with the customer charge and the set of transfers.