US 12,393,927 B1
Direct payment authorization path
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 Jan. 10, 2023, as Appl. No. 18/152,290.
Application 18/152,290 is a continuation of application No. 17/305,457, filed on Jul. 8, 2021, granted, now 11,580,530.
Application 17/305,457 is a continuation of application No. 15/620,562, filed on Jun. 12, 2017, granted, now 11,080,685.
Int. Cl. G06Q 20/36 (2012.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/36 (2013.01) [G06Q 20/202 (2013.01); G06Q 20/32 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/387 (2013.01); G06Q 20/405 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for operating a point of sale (POS) terminal, the method comprising:
establishing, by the POS terminal and via a first network connection, communication between the POS terminal and a mobile computing device;
providing an indication to the mobile computing device that payment is requested;
receiving from the mobile computing device, via the first network connection, a plurality of payment elements that may be used for the payment and an indication that at least one payment element of the plurality of payment elements allows direct payment authorization to the POS terminal;
receiving from the mobile computing device, via the first network connection, fees associated with directly processing via a mobile wallet network associated with the mobile computing device;
receiving from the mobile computing device an indication that the mobile computing device can process an invoice directly by an issuer of the at least one payment element;
determining fees associated with other networks available to POS terminal;
comparing the fees associated with directly processing via the mobile wallet network with the fees associated with the other networks available to POS terminal;
in response to the comparison, sending to the mobile computing device, via the first network connection, a discount on a direct payment associated with the at least one payment element that allows direct payment authorization from the POS terminal;
determining if the invoice should be processed through the mobile wallet network or through a network associated with the POS terminal based on the comparison; and
in response to determining that the invoice should be invoiced through the mobile wallet network, sending the invoice to the mobile computing device where a second network connection is established with an issuer and the invoice is sent via the second network connection.