Patents
US 12591873 B2: Cross-service transactions for peer-to-peer (P2P) payment platforms
- Granted
- 2026-03-31
- Filed
- 2024-10-28 application 18928746
- Type
- Utility · 20 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
Abstract
An example computing platform is configured to receive a request from a first user account of a first P2P payment service that a cross-service transaction be initiated with another user account of another P2P payment service. Based on the request, the computing platform generates a transaction identifier for the transaction and sends the identifier to the first P2P payment service's platform. Thereafter, the computing platform receives, from a second P2P payment service's platform, the transaction identifier and an identifier of a second user account of the second P2P payment service and responsively determines that the cross-service transaction comprises a transfer of funds between a first financial account associated with the first user account and a second financial account associated with the second user account. The computing platform then selects and causes a given payment rail platform to transfer funds between the first and second financial accounts.
Source: PTBLXML, file of 2026-03-31 (ipgb20260331.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| Capital One Financial Corporation 141 patents | US company or organization | McLean, VA | CAPITAL ONE FINANCIAL CORP SEC filer FUZZY low confidence: same name (legal endings aside), one of each nationally | PTBLXML, file of 2026-03-31 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Purvag Patel | Chicago, IL | PTBLXML, file of 2026-03-31 | ||
| Zizhao Gong | Chicago, IL | PTBLXML, file of 2026-03-31 | ||
| Ashley Kocanda | Gurnee, IL | PTBLXML, file of 2026-03-31 | ||
| Eric Hwang | Chicago, IL | PTBLXML, file of 2026-03-31 | ||
| Sanjeev Khatri | Des Plaines, IL | PTBLXML, file of 2026-03-31 | ||
| Subhrajyoti Mukhopadhyay | Arlington Heights, IL | PTBLXML, file of 2026-03-31 |
CPC categories
| Subclass | Category | First group | Source |
|---|---|---|---|
| G06Q | Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial or supervisory purposes; systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not otherwise provided for | G06Q20/223 | PTBLXML, file of 2026-03-31 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
| Recorded | What | From | To | Reel/frame | Source |
|---|---|---|---|---|---|
| 2025-07-02 | Merger Merger | DISCOVER FINANCIAL SERVICES signed 2025-05-16 | CAPITAL ONE FINANCIAL CORPORATION MCLEAN, VA | 71784/903 | PASDL, file of 2026-10-18 |
| 2025-01-10 | Assignment Assignment of assignor's interest | PATEL, PURVAG signed 2022-02-09 GONG, ZIZHAO signed 2022-02-09 KOCANDA, ASHLEY signed 2022-02-10 HWANG, ERIC signed 2022-02-09 KHATRI, SANJEEV signed 2022-02-15 MUKHOPADHYAY, SUBHRAJYOTI signed 2022-02-15 | DISCOVER FINANCIAL SERVICES RIVERWOODS, IL | 69821/367 | PASDL, file of 2026-10-15 |
Documents recorded with the USPTO Assignment Recordation Branch that list this patent. A security interest is a lender’s claim on the patent as collateral; a release ends it.
USPTO bulk data: PatentsView granted patents, disambiguated (PVGPATDIS) for patents, assignees, inventors, places and CPC categories; the USPTO Patent Assignment Dataset (ECORSEXC) for assignments and security interests. Patents filed in the last 20 years. No claims or full text. Links to other records are by name (and state): EXACT means the identical full name and state; FUZZY means a looser name match, with the confidence shown.