Patent ID: 11900346
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A computer-implemented method performed by a real-time payment server of a real-time payment system, the computer-implemented method comprising:
providing, via access circuitry of the real-time payment server of the real-time payment system, a first user device of the real-time payment system with access to consumable content of a content source device of the real-time payment system, wherein the consumable content comprises streaming content associated with a live event, wherein the first user device is associated with a first user, and wherein the real-time payment server is communicatively coupled, via a network, to the content source device, the first user device, and a second user device;
receiving, via communications circuitry of the real-time payment server, a request for payment from the content source device, wherein the request for payment relates to the first user device and the second user device of the real-time payment system, wherein the second user device is associated with a second user;
querying, via contextual analysis circuitry of the real-time payment server a content access database to identify transaction data;
determining, via the contextual analysis circuitry, that the second user device is accessing the consumable content based on the transaction data indicating a ticket purchase for access to the consumable content associated with the second user device;
receiving, at the contextual analysis circuitry and from the first user device and the second user device, device proximity data comprising global positioning system data or internet protocol address data;
receiving, at the contextual analysis circuitry and from the first user device, social media data comprising a comment, a message, or a post associated with the consumable content,
comparing, via the contextual analysis circuitry, the device proximity data of the first user device with the device proximity data of the second user device to determine that the first user device is within a threshold proximity of the second user device;
comparing, via the contextual analysis circuitry, the social media data with the consumable content to determine that the social media data corresponds to the consumable content;
identifying, via content evaluation circuitry of the real-time payment server and based on the first user device being within the threshold proximity of the second user device and the social media data received from the first user device corresponding to the consumable content, that the first user device associated with the first user is accessing the consumable content of the content source device;
transmitting, via payment circuitry of the real-time payment server, an actionable payment notification to the first user device in response to identifying that the first user device is accessing the consumable content based on the first user device being within the threshold proximity of the second user device and the social media data received from the first user device corresponding to the consumable content;
transmitting, via the payment circuitry, a first real-time payment to the content source device in an instance in which the real-time payment server dice receives responsive authorization from the first user device, wherein the responsive authorization from the first user device is in response to the actionable payment notification, wherein the first real-time payment to the content source device is irrevocable such that the first real-time payment is immediately accessible to the content source device;
causing, via the access circuitry of the real-time payment server, access of the consumable content to the first user device and the second user device to be maintained in an instance in which the real-time payment server receives responsive authorization from the first user device;
causing, via the payment circuitry to the second user, return of a payment based on the transaction data indicating the ticket purchase for access to the consumable content associated with the second user device in an instance in which the real-time payment server fails to receive responsive authorization from the first user device; and
causing, via the access circuitry, access of the consumable content to the first user device and the second user device to halt, in real-time, in an instance in which the real-time payment server fails to receive responsive authorization from the first user device.