{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-9704152","patent":{"patent_number":"US-9704152","title":"Mobile payment systems and methods","assignee":null,"inventors":[],"filing_date":"2017-03-27T00:00:00.000Z","publication_date":"2017-07-11T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q"],"num_claims":19,"abstract":"A method includes providing a first payment account that is issued by a first financial institution and enables an accountholder thereof to make payments at merchants via a closed-loop payments network corresponding to the first financial institution and mobile person-to-person payments using the payment account. The method includes enabling a second payment account that is issued by a second financial institution to be electronically linked to the first payment account and used as a source of funds. The method includes providing a mobile operating system and enabling a plurality of merchant-specific payment accounts to be associated with a mobile communications device having the operating system. The method includes determining whether a merchant-specific payment account that is accepted only by a particular merchant is available to the accountholder via the mobile communications device and receiving a fee when the first payment account is used for a purchase."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Mobile payment systems and methods","description":"A method includes providing a first payment account that is issued by a first financial institution and enables an accountholder thereof to make payments at merchants via a closed-loop payments networ","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-9704152","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-9704152","citation_suggestion":"Patentable. \"Mobile payment systems and methods\" (US-9704152). https://patentable.app/patents/US-9704152","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-9704152","json":"https://patentable.app/api/llm-context/US-9704152","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-06-06T10:15:15.804Z"}