US 11,657,421 B2
Method and system for facilitating electronic transactions
Rahul Agrawal, Pune (IN); Sudhir Gupta, Pune (IN); and Harsh Piparsaniya, Pune (IN)
Assigned to Mastercard International Incorporated, Purchase, NY (US)
Filed by Mastercard International Incorporated, Purchase, NY (US)
Filed on Apr. 7, 2022, as Appl. No. 17/715,442.
Application 17/715,442 is a continuation of application No. 16/528,012, filed on Jul. 31, 2019, granted, now 11,328,312.
Claims priority of application No. 10201806607Q (SG), filed on Aug. 2, 2018.
Prior Publication US 2022/0230197 A1, Jul. 21, 2022
Int. Cl. G06Q 30/02 (2023.01); G06Q 30/0207 (2023.01); G06Q 20/36 (2012.01); G06Q 30/0226 (2023.01)
CPC G06Q 30/0222 (2013.01) [G06Q 20/36 (2013.01); G06Q 30/0233 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer system comprising:
a processor; and
a memory coupled to said processor, said memory including computer executable instructions stored thereon that, when executed by the processor, cause the processor to perform the operations of:
presenting a catalogue of items to a first user by way of a user interface rendered on a user device of the first user;
receiving details of a selected item of the catalogue of items from the user device, the details including a purchase amount of the selected item and a merchant offer offered by a merchant on a sale of the selected item;
determining that the merchant offer is not applicable to a first payment mode of the first user;
identifying a plurality of payment options associated with a plurality of additional payment modes of a plurality of additional users to which the merchant offer is applicable, the plurality of additional payment modes of a plurality of additional users including a second payment mode of a second user and a third payment mode of a third user;
presenting the plurality of payment options to the first user by way of the user interface rendered on the user device, each payment option being associated with an offer amount and one of each additional payment mode of each additional user, respectively, wherein the plurality of payment options are selectable by the first user;
receiving, from the user device, a selection that corresponds to a first payment option of the plurality of payment options, wherein the first payment option is associated with a first offer amount and the second payment mode of the second user;
transmitting, to the user device, an authorization request message to charge the first offer amount to the first payment mode of the first user for using the second payment mode of the second user;
receiving, from the user device, a response message declining the request to charge the first offer amount to the first payment mode;
in response to the response message, prompting the first user to select a second payment option from the plurality of payment options by way of the user interface;
receiving, from the user device, a selection that corresponds to the second payment option of the plurality of payment options, wherein the second payment option is associated with a second offer amount and the third payment mode of the third user; and
initiating a transaction from the third payment mode of the third user for billing the purchase amount on the third payment mode, wherein the third user receives the second offer amount from the first payment mode and the first user receives the merchant offer.