US 12,008,576 B2
Mobile wallet application with payment receipt support
Joon Maeng, Newcastle, WA (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Apr. 5, 2023, as Appl. No. 18/295,992.
Application 18/295,992 is a continuation of application No. 17/248,646, filed on Feb. 1, 2021, granted, now 11,682,022.
Application 17/248,646 is a continuation of application No. 15/629,455, filed on Jun. 21, 2017, granted, now 10,909,541.
Prior Publication US 2023/0245132 A1, Aug. 3, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/20 (2012.01); G06Q 20/36 (2012.01)
CPC G06Q 20/405 (2013.01) [G06Q 20/202 (2013.01); G06Q 20/36 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system for managing payments of a merchant, the system comprising at least one processor unit and programmed to perform operations comprising:
receiving, from a first payer device, first payment element data describing a first payment element for making a first payment from an account associated with the first payment element;
determining that the first payment element is processable by a limited payment network and by a general payment network;
responsive to determining that the first payment element is processable by the limited payment network and by the general payment network, sending a first payment authorization message to an issuer of the first payment element via the limited payment network;
receiving, from a second payer device, second payment element data describing a second payment element for making a second payment from an account associated with the second payment element to the merchant;
determining that the second payment element is not to be processed by the limited payment network; and
sending a second payment authorization message to an issuer of the second payment element via the general payment network.