US 12,079,791 B2
Payment processor system
Lucian Cristache, Redmond, WA (US)
Assigned to Lucomm Technologies, Inc., Bellevue, WA (US)
Filed by Lucomm Technologies, Inc., Bellevue, WA (US)
Filed on Dec. 19, 2023, as Appl. No. 18/389,631.
Application 18/389,631 is a continuation in part of application No. 18/515,142, filed on Nov. 20, 2023.
Application 18/515,142 is a continuation in part of application No. 18/367,030, filed on Sep. 12, 2023.
Application 18/367,030 is a continuation in part of application No. 18/223,485, filed on Jul. 18, 2023.
Application 18/223,485 is a continuation in part of application No. 18/203,509, filed on May 30, 2023.
Application 18/203,509 is a continuation in part of application No. 18/105,375, filed on Feb. 3, 2023.
Application 18/105,375 is a continuation in part of application No. 18/076,660, filed on Dec. 7, 2022.
Application 18/076,660 is a continuation in part of application No. 17/980,913, filed on Nov. 4, 2022.
Application 17/980,913 is a continuation in part of application No. 17/851,251, filed on Jun. 28, 2022.
Application 17/851,251 is a continuation in part of application No. 17/740,997, filed on May 10, 2022, granted, now 11,602,849, issued on Mar. 14, 2023.
Application 17/740,997 is a continuation in part of application No. 17/671,083, filed on Feb. 14, 2022.
Application 17/671,083 is a continuation in part of application No. 17/577,787, filed on Jan. 18, 2022, granted, now 11,613,010, issued on Mar. 28, 2023.
Application 17/577,787 is a continuation in part of application No. 17/528,969, filed on Nov. 17, 2021, granted, now 11,594,090, issued on Feb. 28, 2023.
Application 17/528,969 is a continuation in part of application No. 17/509,013, filed on Oct. 24, 2021, granted, now 11,472,029, issued on Oct. 18, 2022.
Application 17/509,013 is a continuation in part of application No. 17/201,458, filed on Mar. 15, 2021, granted, now 11,281,982, issued on Mar. 22, 2022.
Application 17/201,458 is a continuation in part of application No. 17/133,567, filed on Dec. 23, 2020, granted, now 11,040,444, issued on Jun. 22, 2021.
Application 17/133,567 is a continuation in part of application No. 16/953,713, filed on Nov. 20, 2020, granted, now 11,421,656, issued on Aug. 23, 2022.
Application 16/953,713 is a continuation in part of application No. 17/076,979, filed on Oct. 22, 2020, granted, now 11,669,913, issued on Jun. 6, 2023.
Application 17/076,979 is a continuation in part of application No. 17/064,198, filed on Oct. 6, 2020, granted, now 11,604,832, issued on Mar. 14, 2023.
Application 17/064,198 is a continuation in part of application No. 16/999,691, filed on Sep. 8, 2020, granted, now 11,562,565, issued on Jan. 24, 2023.
Application 16/999,691 is a continuation in part of application No. 16/929,680, filed on Jul. 15, 2020, abandoned.
Application 16/929,680 is a continuation in part of application No. 16/891,893, filed on Jun. 3, 2020.
Application 16/891,893 is a continuation in part of application No. 16/733,194, filed on Jan. 2, 2020, granted, now 11,745,351, issued on Sep. 5, 2023.
Claims priority of provisional application 62/941,483, filed on Nov. 27, 2019.
Claims priority of provisional application 62/931,061, filed on Nov. 5, 2019.
Claims priority of provisional application 62/866,799, filed on Jun. 26, 2019.
Claims priority of provisional application 62/828,270, filed on Apr. 2, 2019.
Claims priority of provisional application 62/821,150, filed on Mar. 20, 2019.
Claims priority of provisional application 62/787,970, filed on Jan. 3, 2019.
Prior Publication US 2024/0144219 A1, May 2, 2024
Int. Cl. G06Q 20/22 (2012.01); G06Q 20/20 (2012.01)
CPC G06Q 20/20 (2013.01) 30 Claims
OG exemplary drawing
 
1. A payment processor system, comprising:
a memory storing data indicative of each of a plurality of users and a plurality of virtual payment accounts associated with a first user among the plurality of users;
the memory further storing a plurality of item semantic identities, and further storing associations between the plurality of item semantic identities and a corresponding plurality of items for purchase;
a point of sale device comprising a first sensor;
at least one processor and a computer program operable by the at least one processor to:
cause the at least one processor to detect a first payment transaction for one or more of the plurality of the items for purchase by the first user at the point of sale based on one or more inputs from the first sensor; and
assign a first virtual account from among the plurality of virtual payment accounts to service the first payment transaction with respect to the one or more of the plurality of items;
the first virtual account being assigned as a function of a semantic matching between one or more inferred item semantic identities and a user payment semantic identity;
wherein the one or more inferred item semantic identities is inferred by the at least one processor based on the detected first payment transaction and at least one of the stored associations between the one or more of the plurality of items for purchase and the corresponding plurality of item semantic identities; and
wherein the user payment semantic identity is configured by the user in association with the first virtual account.