| CPC G06Q 20/3825 (2013.01) [G06Q 20/123 (2013.01); G06Q 20/29 (2013.01)] | 17 Claims |
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1. A method, comprising:
receiving, at a backend for a financial institution and from a user electronic device, enrollment of a user in a payments process comprising an identification of a user account with the financial institution and a time restriction on payments from the user account;
generating, by the backend, a token comprising an identification of an Application Programming Interface (API) exposed to the backend and an identifier for the user account;
communicating, by the backend, the token to the user electronic device, wherein the user electronic device is configured to store the token in secure storage on the user electronic device or in a browser;
receiving, by the backend and from an electronic device for a content provider, enrollment of the content provider in the payments process comprising an identification of a content provider account with the financial institution;
receiving, by the backend and at the API, a payment request comprising an identifier for the content provider, a cost for content provided by the content provider, and the identifier for the user account, wherein the API is called by user electronic device using the token;
transferring, by the backend, the cost from the user account to the content provider account associated with the identifier of the content provider in response to the payment request being received within the time restriction;
notifying, by the backend, the content provider of completion of the transfer; and
making available, by the content provider, the content available to the user electronic device after completion of the transfer.
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