Patent ID: 11861608
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 4:
5. A computer system of a centralized payment registration system, comprising:
one or more processing components;
one or more data storage components including a database, at least one of the one or more data storage components include instructions that when executed cause at least one of the one or more processing components to perform operations including:
registering and associating payment requesters, electronic communication clients, and payment services in the database, the registering including storing in the database a plurality of identifiers, including payment requester identifiers, electronic communication client identifiers, and payment service identifiers;
responsive to a first payment requester of the payment requesters automatically sending a payment request electronic message to a user without a request from the user, the payment request message sent to a first electronic communication client of the electronic communication clients executing on a mobile device, and responsive to user selection of a component, including a link, in the payment request electronic message that initiates execution of operations that effect payment:
retrieving, by the computer system over a network, from the payment request electronic message a first identifier of the first payment requester and a second identifier of the first electronic communication client, the first identifier and the second identifier included in the plurality of identifiers stored in the database;
authenticating the first payment requester as being registered to receive payments in response to the request for payment when the first identifier and the second identifier are associated in the database;
responsive to authenticating the first payment requester, communicating by the computer system, the authentication to the first electronic communication client;
accessing the database to automatically identify a first payment service that is registered as an approved payer to the first payment requester, and authenticating the first payment service as being approved to make payments to the first payment requester by finding an association in the database between the plurality of identifiers identifying the first payment requester, the first electronic communication client, and the first payment service; and
causing a transfer of funds from the first approved payment service to the first payment requester.