Patent ID: 9384487
Filing Date: 2016-07-05
CPC Classification: G06Q

Claim Text:
1. A computer-implemented method for registering an identification number as a payment facilitator, the method, performed by one or more processors, comprising: providing, over a first network, a user with access to a bill payment platform associated with a financial account; prompting the user to register an identification number for use as a payment facilitator, the identification number comprising a phone number; receiving, over the first network, the identification number from the user through one or more input parameters provided to a first graphical user interface element; encrypting a first authorization code and transmitting the encrypted authorization code to a mobile device associated with the identification number; receiving a second authorization code from the mobile device responsive to the transmitted authorization code; associating the identification number with the financial account based on a comparison of the first authorization code and the second authorization code; receiving purchase detail information from the user over the first network through one or more input parameters provided to a second graphical user interface element different from the first graphical user interface element, the purchase details information specifying characteristics associated with a transaction to be provided by a merchant processing a payment using the identification number; providing registration information to the merchant prior to a time the user initiates a purchase, the registration information comprising the identification number and purchase details information; receiving, over a second network, the identification number and the purchase detail information at the time the user initiates a purchase through one or more input parameters provided to a third graphical user interface element different from the first and second graphical user interface elements; verifying the identification number and the purchase detail information; and scheduling, at the time the user initiates a purchase using the identification number, a payment to the merchant through the bill payment platform based on the verification.