US 12,169,826 B2
Zero click payment mode of a digital asset payment network
Trevor Filter, New York, NY (US); Zachary Kilgore, Brooklyn, NY (US); and Tyler Robert Spalding, New York, NY (US)
Assigned to Flexa Inc., New York, NY (US)
Filed by Flexa Inc., New York, NY (US)
Filed on Jun. 28, 2022, as Appl. No. 17/809,512.
Application 17/809,512 is a continuation of application No. 17/248,588, filed on Jan. 29, 2021.
Prior Publication US 2022/0327519 A1, Oct. 13, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/38 (2012.01); G06K 7/10 (2006.01); G06K 7/14 (2006.01); G06K 19/06 (2006.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01); G06Q 20/06 (2012.01)
CPC G06Q 20/3674 (2013.01) [G06K 7/1095 (2013.01); G06K 7/1413 (2013.01); G06K 7/1417 (2013.01); G06K 19/06028 (2013.01); G06K 19/06037 (2013.01); G06Q 20/204 (2013.01); G06Q 20/208 (2013.01); G06Q 20/3274 (2013.01); G06Q 20/3678 (2013.01); G06Q 20/381 (2013.01); G06Q 20/387 (2013.01); G06Q 20/4014 (2013.01); G06Q 20/405 (2013.01); G06Q 20/0655 (2013.01); G06Q 20/326 (2020.05); G06Q 2220/00 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprises:
initiating, by a first user computing device of a digital asset payment network, a zero click digital asset-based payment with a merchant computing entity of the digital asset payment network, wherein the first user computing device provides a digital asset, wherein the first user computing device is associated with a user, wherein the merchant computing entity accepts a desired asset, and wherein the zero click digital asset-based payment includes a real-time digital asset-based payment process;
obtaining, by the merchant computing entity, at least a portion of user computing device real-time payment information from the first user computing device;
sending, by the merchant computing entity, merchant computing entity real-time payment information and the at least the portion of user computing device real-time payment information to a digital asset payment computing entity of the digital asset payment network;
sending, by the digital asset payment computing entity, a push notification to a second user computing device of the digital asset payment network, wherein the second user computing device is associated with the user, and wherein the push notification is regarding authorization of the zero click digital asset-based payment;
authorizing, by the second user computing device, the zero click digital asset-based payment via the push notification;
obtaining, by the digital asset payment computing entity, at least another portion of the user computing device real-time payment information from the second user computing device, wherein the at least the another portion of the user computing device real-time payment information includes an amount of the digital asset;
locking, by the digital asset payment computing entity, an amount of network digital asset to back the zero click digital asset-based payment;
executing a nonreal-time digital asset-based payment reconciliation process by implementing a verification process associated with the digital asset to verify the digital asset; and
when the amount of digital asset from the user computing device is verified by the verification process:
unlocking the amount of the network digital assets; and
when the amount of digital asset from the user computing device is not verified by the verification process:
consuming the amount of the network digital assets; and
providing, by the digital asset payment computing entity, a confirmation of the zero click digital asset-based payment to the merchant computing entity.