公开(公告)号：US11829962B2

公开(公告)日：2023-11-28

申请号：US17323164

申请日：2021-05-18

Applicant: Capital One Services, LLC

Inventor： Eric Burnam ,  Bhavik Gudka

IPC: G06Q20/40 ,  G06Q20/06 ,  G06Q20/38 ,  H04L9/40

CPC classification number: G06Q20/06 ,  G06Q20/389 ,  G06Q20/401

Abstract: Methods, systems, devices, and computer-readable media for a payment delegation and linking system are provided. The system may generate a delegation request to send to an individual for payment of a portion of a value of a transaction. The delegation request may be sent to the individual with a payment URL embedded with a token. Upon initiation of payment in response to the delegation request, the token may be embedded in an unused field of a payment transaction record generated at the individual's device and may be transmitted from the individual's device to a payment processing system for processing and settlement. The payment transaction record may ultimately be received at the requestor's bank with the token intact. The token may be used to link the received payment transaction with the original delegated transaction. The original delegated transaction and the received payment transaction may be displayed together in a transaction summary.

公开(公告)号：US20240112154A1

公开(公告)日：2024-04-04

申请号：US18380938

申请日：2023-10-17

Applicant: Capital One Services, LLC

Inventor： Eric Burnam ,  Bhavik Gudka

IPC: G06Q20/06 ,  G06Q20/38 ,  G06Q20/40

CPC classification number: G06Q20/06 ,  G06Q20/389 ,  G06Q20/401

Abstract: Methods, systems, devices, and computer-readable media for a payment delegation and linking system are provided. The system may generate a delegation request to send to an individual for payment of a portion of a value of a transaction. The delegation request may be sent to the individual with a payment URL embedded with a token. Upon initiation of payment in response to the delegation request, the token may be embedded in an unused field of a payment transaction record generated at the individual's device and may be transmitted from the individual's device to a payment processing system for processing and settlement. The payment transaction record may ultimately be received at the requestor's bank with the token intact. The token may be used to link the received payment transaction with the original delegated transaction. The original delegated transaction and the received payment transaction may be displayed together in a transaction summary.

公开(公告)号：US12211016B2

公开(公告)日：2025-01-28

申请号：US18380938

申请日：2023-10-17

Applicant: Capital One Services, LLC

Inventor： Eric Burnam ,  Bhavik Gudka

IPC: G06Q20/40 ,  G06Q20/06 ,  G06Q20/38 ,  H04L9/40

Abstract: Methods, systems, devices, and computer-readable media for a payment delegation and linking system are provided. The system may generate a delegation request to send to an individual for payment of a portion of a value of a transaction. The delegation request may be sent to the individual with a payment URL embedded with a token. Upon initiation of payment in response to the delegation request, the token may be embedded in an unused field of a payment transaction record generated at the individual's device and may be transmitted from the individual's device to a payment processing system for processing and settlement. The payment transaction record may ultimately be received at the requestor's bank with the token intact. The token may be used to link the received payment transaction with the original delegated transaction. The original delegated transaction and the received payment transaction may be displayed together in a transaction summary.

公开(公告)号：US20220374846A1

公开(公告)日：2022-11-24

申请号：US17323164

申请日：2021-05-18

Applicant: Capital One Services, LLC

Inventor： Eric Burnam ,  Bhavik Gudka

IPC: G06Q20/06 ,  G06Q20/40 ,  G06Q20/38

Abstract: Methods, systems, devices, and computer-readable media for a payment delegation and linking system are provided. The system may generate a delegation request to send to an individual for payment of a portion of a value of a transaction. The delegation request may be sent to the individual with a payment URL embedded with a token. Upon initiation of payment in response to the delegation request, the token may be embedded in an unused field of a payment transaction record generated at the individual's device and may be transmitted from the individual's device to a payment processing system for processing and settlement. The payment transaction record may ultimately be received at the requestor's bank with the token intact. The token may be used to link the received payment transaction with the original delegated transaction. The original delegated transaction and the received payment transaction may be displayed together in a transaction summary.