US 12,387,190 B2
Installment initiation via authorization data transmission
Nicholas Molnar, Melbourne (AU); and David Whiteman, Melbourne (AU)
Assigned to Afterpay Pty Ltd, Melbourne (AU)
Filed by Afterpay Limited, Melbourne (AU)
Filed on Nov. 2, 2023, as Appl. No. 18/500,687.
Application 18/500,687 is a continuation of application No. 17/827,304, filed on May 27, 2022, granted, now 11,861,586.
Application 17/827,304 is a continuation of application No. 16/317,450, granted, now 11,348,085, issued on May 31, 2022, previously published as PCT/AU2017/050723, filed on Jul. 13, 2017.
Claims priority of application No. 2016902755 (AU), filed on Jul. 13, 2016.
Prior Publication US 2024/0144229 A1, May 2, 2024
Int. Cl. G06Q 30/00 (2023.01); G06Q 20/20 (2012.01); G06Q 20/24 (2012.01); G06Q 20/28 (2012.01); G06Q 20/32 (2012.01); G06Q 20/42 (2012.01); G06Q 40/02 (2023.01)
CPC G06Q 20/28 (2013.01) [G06Q 20/20 (2013.01); G06Q 20/202 (2013.01); G06Q 20/24 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/3274 (2013.01); G06Q 20/425 (2013.01); G06Q 40/02 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method implemented, at least in part, by computing devices of an installment payment service, the method comprising:
receiving, via a user interface presented by a mobile device, a request to set up a payment for an amount using multiple future installments;
analyzing data associated with a user of the mobile device to generate authorization data indicative of an authorization of the multiple future installments, wherein the authorization data remains valid for use with a plurality of merchants for a designated period of time or until the amount requested is exceeded;
sending the authorization data to the mobile device, wherein the authorization data is presentable, via the mobile device, to individual merchants of the plurality of merchants in association with transactions for goods or services;
receiving, from a merchant device of a merchant of the plurality of merchants, data associated with a transaction between the user and the merchant, wherein the data associated with the transaction identifies at least one good or service, a total amount of the at least one good or service, and an indication of the authorization data;
determining, based at least in part on the data associated with the transaction, that the total amount is less than the amount requested and that the data associated with the transaction was received during the designated period of time;
sending a confirmation to the merchant device of the merchant; and
initiating the multiple future installments at respective points in time.