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

Claim 7:
8. A real-time payment system, comprising:
a content source device streaming consumable content associated with a live event;
a first user device associated with a first user;
a second user device associated with a second user; and
a real-time payment server, wherein the real-time payment server is communicatively coupled, via a network, to the content source device, the first user device, and the second user device, wherein the real-time payment server comprises:
access circuitry configured to provide the first user device with access to the consumable content of the content source device;
communications circuitry configured to receive 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;
contextual analysis circuitry configured to:
query a content access database to identify transaction data,
determine 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;
receive, from the first user device and the second user device, device proximity data comprising global positioning system data or internet protocol address data,
receive, from the first user device, social media data comprising a comment, a message, or a post associated with the consumable content,
compare 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, and
compare the social media data with the consumable content to determine that the social media data corresponds to the consumable content;

content evaluation circuitry configured to identify, 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 the consumable content, that the first user device associated with the first user is accessing the consumable content of the content source device;
payment circuitry configured to:
transmit 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; and
transmit a first real-time payment to the content source device in an instance in which the real-time payment server 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; and

wherein the access circuitry is further configured to:
cause 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,
cause return, to the second user, 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
cause 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.