US 12,093,906 B1
Profile based arrangements and methods for disparate network systems
Mark Dickelman, Inverness, IL (US)
Assigned to U.S. Bank National Association, Cincinnati, OH (US)
Filed by U.S. Bank National Association, Cincinnati, OH (US)
Filed on Nov. 22, 2022, as Appl. No. 17/992,620.
Application 16/881,988 is a division of application No. 15/244,118, filed on Aug. 23, 2016, granted, now 10,679,194, issued on Jun. 9, 2020.
Application 15/244,118 is a division of application No. 12/323,080, filed on Nov. 25, 2008, granted, now 9,424,562, issued on Aug. 23, 2016.
Application 17/992,620 is a continuation of application No. 16/881,988, filed on May 22, 2020, granted, now 11,507,930, issued on Nov. 22, 2022.
Claims priority of provisional application 60/991,397, filed on Nov. 30, 2007.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/04 (2012.01); G06Q 20/02 (2012.01); G06Q 20/08 (2012.01); G06Q 20/10 (2012.01); G06Q 20/22 (2012.01); G06Q 20/26 (2012.01); G06Q 20/40 (2012.01); G06Q 40/00 (2023.01)
CPC G06Q 20/04 (2013.01) [G06Q 20/02 (2013.01); G06Q 20/023 (2013.01); G06Q 20/08 (2013.01); G06Q 20/10 (2013.01); G06Q 20/227 (2013.01); G06Q 20/26 (2013.01); G06Q 20/405 (2013.01); G06Q 40/00 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system comprising:
a computer circuit arrangement that provides access to different payment networks respectively having network-specific payment processing protocols, on behalf a buyer having a buyer's handheld device in a form of a mobile phone or a transaction card and a seller providing goods or services to the buyer who is to pay for the goods or services using the buyer's handheld device;
a point-of-sale interface circuit, communicatively integrated with the computer circuit arrangement, to receive electronic point-of-sale transaction data for a particular transaction from a remote point-of-sale terminal that is to wirelessly communicate with the buyer's handheld device at the remote point-of-sale terminal for receiving buyer ID data for the buyer, the buyer ID data for the buyer being included in the electronic point-of-sale transaction data;
a data-storage circuit to store profile data for the buyer;
a payment network interface circuit to provide access to the different payment networks, including communicating with the different payment networks using different respective network-specific payment processing protocols for each of the different payment networks; and
for the electronic point-of-sale transaction data received for the particular transaction, a computer processor circuit to:
identify, using the electronic point-of-sale transaction data, the buyer ID data and seller ID data respectively for the buyer and the seller in the particular transaction;
retrieve, from the data-storage circuit, a retrieved portion of the profile data that is electronically associated with the buyer ID data for the buyer;
select, using the retrieved portion of the profile data, a selected one of the different payment networks for the buyer to process electronic payment for the particular transaction;
confirm an authentication code, provided via the buyer's handheld device and in accordance with a security-based communication protocol involving the buyer, to authenticate and verify approval of the particular transaction by the buyer; and use the selected one of the different payment networks to effect payment for the particular transaction via the payment network interface circuit in response to authenticating and verifying approval of the particular transaction by the buyer.