公开(公告)号：US20190220843A1

公开(公告)日：2019-07-18

申请号：US15874569

申请日：2018-01-18

申请人： Sanjeev Kaithvas ,  Karthik Venkataraman ,  Daya Venkatesan ,  Ashok Babu Mundru ,  Chen Xu

发明人： Sanjeev Kaithvas ,  Karthik Venkataraman ,  Daya Venkatesan ,  Ashok Babu Mundru ,  Chen Xu

IPC分类号： G06Q20/32 ,  G06Q20/02 ,  G06Q20/38

CPC分类号： G06Q20/3226 ,  G06Q20/02 ,  G06Q20/3821 ,  G06Q30/0226

摘要： A payment system may intelligently monitor text conversations on other applications or a user's email system. Users and participating merchants may enroll credit cards or other payment devices, bank accounts, etc., with the payment system. Once enrolled, a daemon/plugin of the payment system may monitor text applications, emails, or other communication means of the mobile computing device. Using Artificial Intelligence (AI) and Machine Learning algorithms, the payment system may determine payment information from a text or other communication, and initiate and/or complete a payment transaction between the communicating parties. Upon confirmation, the payment system may complete the funds transfer or payment to registered users or merchants in the text communication. The payment system may also integrate with a merchant's loyalty and reward programs and use these loyalty/reward points as forms of payment.