{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-12008538","patent":{"patent_number":"US-12008538","title":"Methods, apparatuses, and systems for user account-affiliated payment and billing, consolidated digital biller-payment wallets","assignee":null,"inventors":[],"filing_date":"2022-09-21T00:00:00.000Z","publication_date":"2024-06-11T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q","G06Q","G06Q"],"num_claims":24,"abstract":"Described are systems, apparatuses, methods, and computer program products for low-input initiation of user account-affiliated transactions. An example apparatus can comprise a processor and a memory storing program code configured to cause the apparatus to store payor information, authentication information, and account information associated with a payor; store payee information associated with payees; receive, from a payee device or a payor device, a request to initiate a payment, the request comprising information about a payor and payee as well as a payment amount; determine, based at least upon the information about the payor and payee, and the stored information, whether the payment is to a pre-approved payee or merchant with which payor has a pre-existing account; and, in an instance in which the determination is in the affirmative, initiate the payment by providing at least payor and payee information and payment amount a payment processor."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Methods, apparatuses, and systems for user account-affiliated payment and billing, consolidated digital biller-payment wallets","description":"Described are systems, apparatuses, methods, and computer program products for low-input initiation of user account-affiliated transactions. An example apparatus can comprise a processor and a memory ","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-12008538","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-12008538","citation_suggestion":"Patentable. \"Methods, apparatuses, and systems for user account-affiliated payment and billing, consolidated digital biller-payment wallets\" (US-12008538). https://patentable.app/patents/US-12008538","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-12008538","json":"https://patentable.app/api/llm-context/US-12008538","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-31T05:12:27.420Z"}