US 12,314,916 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 Dec. 21, 2023, as Appl. No. 18/392,821.
Application 18/392,821 is a continuation of application No. 18/093,992, filed on Jan. 6, 2023, granted, now 11,887,087.
Application 18/093,992 is a continuation of application No. 15/892,290, filed on Feb. 8, 2018, granted, now 11,551,193, issued on Jan. 10, 2023.
Claims priority of provisional application 62/456,564, filed on Feb. 8, 2017.
Prior Publication US 2024/0127209 A1, Apr. 18, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/12 (2012.01); G06Q 20/02 (2012.01); G06Q 20/08 (2012.01); G06Q 20/22 (2012.01); G06Q 20/36 (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)] 20 Claims
OG exemplary drawing
 
1. A method performed by a computer system comprising a processor and memory, the method comprising:
receiving a payment transaction from an account associated with a user;
associating a transfer group parameter with the payment transaction;
creating a set of payment transfers from the account to a set of connected accounts using the transfer group parameter, a secret key, and a single-use token, the single-use token associated with a first system and generated using information from the user, wherein the set of payment transfers is identifiable by the transfer group parameter and linked together for tracking a service associated with the transfer group parameter and the set of payment transfers;
in response to a determination that the secret key is valid and is associated with a second system, executing the payment transaction using the single-use token and the secret key; and
transmitting a portion of the set of payment transfers to each account of the set of connected accounts to perform the service associated with the transfer group parameter and the set of payment transfers.