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

Claim 0:
1. A method for a computer system of a centralized payment registration system to automatically make on-demand payments on behalf of a user, comprising:
registering and associating, by the computer system, payment requesters, electronic communication clients, and payment services in a 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 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, by the computer system, the first payment requester as being registered to receive payments 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, by the computer system, 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 by the computer system, a transfer of funds from the first payment service to the first payment requester.