US 11,991,126 B2
Systems and methods for aggregating user sessions for interactive transactions using virtual assistants
Dushyant Sharma, Waxhaw, NC (US)
Assigned to PAYMENTUS CORPORATION, Charlotte, NC (US)
Filed by Paymentus Corporation, Charlotte, NC (US)
Filed on Jul. 20, 2022, as Appl. No. 17/869,605.
Application 17/869,605 is a continuation of application No. 16/838,748, filed on Apr. 2, 2020, granted, now 11,431,658.
Prior Publication US 2022/0353213 A1, Nov. 3, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 51/02 (2022.01); G06F 3/16 (2006.01); G06F 9/451 (2018.01); G06N 20/00 (2019.01); G10L 15/18 (2013.01); G10L 15/26 (2006.01); H04L 65/1069 (2022.01)
CPC H04L 51/02 (2013.01) [G06F 3/16 (2013.01); G06F 9/453 (2018.02); G06N 20/00 (2019.01); G10L 15/1815 (2013.01); G10L 15/26 (2013.01); H04L 65/1069 (2013.01)] 18 Claims
OG exemplary drawing
 
1. An apparatus comprising:
at least one processor; and
at least one memory storing instructions thereon that, when executed by the at least one processor, cause the apparatus to perform at least:
receiving or sensing one or more user inputs associated with a user;
determining, based upon the one or more user inputs, that the user is requesting to initiate a transaction between the user and a merchant or a biller;
initiating a first user session with a merchant device associated with the merchant or a biller device associated with the biller;
initiating a second user session with a database storing user account information and payment information;
receiving, from the database, during the second user session, information about one or more user accounts;
determining, based at least upon the information about the one or more user accounts received from the database during the second user session, whether the merchant or the biller is affiliated with at least one of the one or more user accounts;
in an instance in which the merchant or the biller is affiliated with at least one of the one or more user accounts, initiating the transaction between the user and the merchant or the biller, during the first user session, by sending a transaction request towards a payment processor, the transaction request being associated with the transaction between the user and the merchant or the biller.