US 11,941,008 B2
Converged merchant processing apparatuses, methods and systems
Thomas Purves, San Francisco, CA (US); Raul Leyva, Round Rock, TX (US); Alan Johnson, Cedar Park, TX (US); and John C. Wang, Belmont, CA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US)
Filed on Jan. 3, 2022, as Appl. No. 17/567,852.
Application 17/567,852 is a continuation of application No. 16/532,457, filed on Aug. 5, 2019, granted, now 11,216,468.
Application 16/532,457 is a continuation of application No. 15/017,845, filed on Feb. 8, 2016, granted, now 10,372,712, issued on Aug. 6, 2019.
Claims priority of provisional application 62/113,515, filed on Feb. 8, 2015.
Prior Publication US 2022/0129470 A1, Apr. 28, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/12 (2012.01); G06F 16/2457 (2019.01); G06Q 20/22 (2012.01); G06Q 20/36 (2012.01)
CPC G06F 16/24573 (2019.01) [G06Q 20/227 (2013.01); G06Q 20/36 (2013.01)] 15 Claims
OG exemplary drawing
 
1. A method for adding a payment option to a payment service provider, comprising:
identifying, by a computer system associated with a merchant, payment information stored within a profile of a user, wherein the merchant is a custodian of the profile;
querying, by the computer system, a database of a payment service provider based on the profile to identify a user account associated with the user;
determining, by the computer system, that the user account in the database of the payment service provider does not contain the payment information;
retrieving, by the computer system, address information for a user mobile device associated with the user account;
transmitting, by the computer system to the user mobile device, a request for user consent to add a payment option to the user account, wherein the request for user consent does not require the user to provide the payment information;
receiving, by the computer system, the user consent to add a payment option to the user account; and
transmitting, by the computer system, the payment information to the payment service provider based on receiving the user consent, wherein the payment service provider adds the payment option to the user account based on receiving the payment information.