US 12,008,538 B2
Methods, apparatuses, and systems for user account-affiliated payment and billing, consolidated digital biller-payment wallets
Dushyant Sharma, Waxhaw, NC (US)
Assigned to PAYMENTUS CORPORATION, Charlotte, NC (US)
Filed by Paymentus Corporation, Charlotte, NC (US)
Filed on Sep. 21, 2022, as Appl. No. 17/949,881.
Application 17/949,881 is a continuation of application No. 17/336,427, filed on Jun. 2, 2021, granted, now 11,538,013.
Prior Publication US 2023/0020553 A1, Jan. 19, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/22 (2012.01); G06Q 20/10 (2012.01); G06Q 20/36 (2012.01)
CPC G06Q 20/227 (2013.01) [G06Q 20/102 (2013.01); G06Q 20/363 (2013.01); G06Q 20/3674 (2013.01)] 24 Claims
OG exemplary drawing
 
1. An apparatus configured for secure payment processing, the 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:
storing, in a digital wallet associated with a user, information regarding payment options associated with the user, and information regarding one or more merchant accounts associated with the user;
receiving, from a user device associated with the user, in response to one or more user interactions with a user interface of the user device, a request to initiate a payment between the user and a payee, the request including transaction information comprising one or more of: merchant account information associated with the payee, biller account information associated with the payee, or user account information associated with the payee;
determining, based upon at least the information regarding one or more merchant accounts associated with the user and the transaction information received with the request to initiate the payment between the user and the payee, whether the payee is associated with a particular merchant account of the one or more merchant accounts associated with the user; and
in an instance in which the payee is associated with an unaffiliated merchant account other than one of the one or more merchant accounts associated with the user, disallowing initiation of the payment to the payee.