Patents
US 12762531 B2: Micropayments transaction system
- Granted
- 2026-10-13
- Filed
- 2024-03-05 application 18596567
- Type
- Utility · 20 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
Abstract
An improved payment system is provided for approving micropayments during interactive services engaged by consumers. The payment system provides a stored list of multiple sources of payment entered by the consumer. A transaction processor receives micropayment transaction payment requests and uses a financial database to approve or deny the request before submitting the payment request to the corresponding cash account or credit account issuer. The improved payment system may be useful in reducing latency due to waiting for payment approvals and may be useful in reducing transaction costs.
Source: PTBLXML, file of 2026-10-13 (ipgb20261013.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| Mastercard International Incorporated 2,394 patents | US company or organization | Purchase, NY | PTBLXML, file of 2026-10-13 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Rahul Das Putham Das | Alexandria, VA | PTBLXML, file of 2026-10-13 | ||
| Mayank Prakash | Singapore, SG | 7 | PTBLXML, file of 2026-10-13 | |
| Nimit Gulati | Singapore, SG | PTBLXML, file of 2026-10-13 | ||
| Sandeep Gelli | Singapore, SG | PTBLXML, file of 2026-10-13 |
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 | G06Q20/29 | PTBLXML, file of 2026-10-13 |
| A63F | Card, board, or roulette games; indoor games using small moving playing bodies; video games; games not otherwise provided for | A63F13/792 | PTBLXML, file of 2026-10-13 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
No recorded assignments or security interests on file for this patent.
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.