How Digital Wallets Pull Data From Multiple Sources for Payments
A system that lets a digital wallet gather and combine account information from different companies to help a user complete a payment transaction.
Original patent title: “Bifurcated digital wallet systems and methods for processing transactions using information extracted from multiple sources”
A system that lets a digital wallet gather and combine account information from different companies to help a user complete a payment transaction. Granted to Paymentus Corp in 2024 with 22 claims.
Key facts
Coverage
What does this patent actually cover?
This patent describes a digital wallet system that acts as a middleman between a user, a merchant, and multiple data sources. When a user starts a payment, the system pulls authentication data from a primary account, such as a bank or payment processor. Once that is verified, the system automatically reaches out to other servers to pull in additional details, like contact info or secondary payment options, from different entities. It then bundles all this information together and sends it to the merchant to finalize the transaction. For example, it could pull your bank details for the payment and your social media profile for shipping address verification simultaneously.
The gap
What does this patent NOT cover?
- Does not cover systems that only pull data from a single source or entity.
- Does not cover transactions where the user is not given the opportunity to review or update the authentication information before it is sent.
- Does not cover offline payment processing that does not involve a merchant server or remote authentication server.
- Does not cover systems that do not perform an automated secondary query to a different entity after the initial authentication.
These exclusions are unique to PatentBrief — derived from the actual claim language, not patent-office boilerplate.
What made this novel
The system creates a 'bifurcated' process where the authentication of the primary account triggers an automated, secondary retrieval of data from a completely different entity, effectively bridging two separate data silos during a single checkout flow.
Schematic visualization of the patent's claim structure. Hand-drawn diagrams in progress for each landmark patent.
Where you've seen this
Real-world examples
Digital wallets that auto-fill shipping addresses from social media accounts during checkout.
Unified payment gateways that verify bank credentials and loyalty program status in one step.
Cross-platform checkout experiences that sync payment tokens with secondary user account data.
Why it matters
The bigger picture
This technology addresses the fragmentation of digital identity and payment data. By automating the collation of data from disparate sources, it reduces the manual effort required by users during checkout, potentially increasing conversion rates for merchants. It is a practical application of data interoperability in the fintech sector.
Filed
March 1, 2022
Granted
September 24, 2024
Market context
Who's building on this
Companies in this space
Paymentus Corp, the assigneeassigneeThe entity that owns the patent — usually the inventor's employer or a company.Read more →, is actively developing these transaction-facilitating systems. The broader fintech industry, including major payment processors and digital wallet providers, is moving toward this type of automated data aggregation to streamline user experiences.
Market impact
This patent contributes to the trend of 'frictionless' commerce. It enables platforms to build more robust user profiles by linking disparate account data, which helps reduce cart abandonmentabandonmentWhen an applicant fails to respond to an office action in time, the application is abandoned and the case closed.Read more → and improves the accuracy of transaction data sent to merchants.
Claim 1 — Plain English
What this patent covers
This patent describes a digital wallet system that acts as a middleman between a user, a merchant, and multiple data sources. When a user starts a payment, the system pulls authentication data from a primary account, such as a bank or payment processor. Once that is verified, the system automatically reaches out to other servers to pull in additional details, like contact info or secondary payment options, from different entities. It then bundles all this information together and sends it to the merchant to finalize the transaction. For example, it could pull your bank details for the payment and your social media profile for shipping address verification simultaneously.
The clever bit
The system creates a 'bifurcated' process where the authentication of the primary account triggers an automated, secondary retrieval of data from a completely different entity, effectively bridging two separate data silos during a single checkout flow.
What it does not cover
- Does not cover systems that only pull data from a single source or entity.
- Does not cover transactions where the user is not given the opportunity to review or update the authentication information before it is sent.
- Does not cover offline payment processing that does not involve a merchant server or remote authentication server.
- Does not cover systems that do not perform an automated secondary query to a different entity after the initial authentication.
Patent timeline
Application submitted to the patent office
Application published, typically 18 months after filing
Patent officially issued
PatentBrief Score
Impact Score
Early stage
Citation count
0/40
No citations yet
Claim breadth
15/20
Broad claimsclaimsThe numbered statements at the end of a patent that legally define what the inventor owns.Read more →
Recency
20/20
Granted within 5 years
Assignee scale
0/20
Independent or smaller assigneeassigneeThe entity that owns the patent — usually the inventor's employer or a company.Read more →
PatentBrief Impact Score — based on citation count, claim breadth, recency, and assignee scale. Not a legal assessment.
Heuristic Value Estimate
What this patent might be worth
$37K – $120K
Midpoint $75K · 15.7 yr remaining · industry ×1.6
Heuristic only — blends forward/backward citation counts, claim scope, time remaining, litigation history, and CPC-derived industry baseline. Real valuations need a professional appraisal.
The original legal language
Original claims
22 claims as filed with the patent office.
Concepts involved
Citations
Patent lineage
Cite this patent
Subbarao, M. B., Sunkara, S. S., & Usiskin, S. D. (2024). How Digital Wallets Pull Data From Multiple Sources for Payments (U.S. Patent No. 12,100,000). U.S. Patent and Trademark Office. https://patentbrief.org/patent/us/12100000/starship-mars-edl
Auto-generated from the patent record. Double-check author order and the issue date against the official USPTO document before submitting.
Embed
Add this patent to your site
Drop this plain-English patent card into any blog post or article — free, no signup. It always links back to the full breakdown here.
<div data-patentlens-widget data-patent-number="US12100000"></div> <script src="https://patentbrief.org/embed.js" async></script>
Stay in the loop
Get a weekly digest of new patents.
One email per week. No spam. Unsubscribe anytime.
Keep exploring
Related patents you should know
US 4683195 · 1987
How to Make Billions of Copies of a DNA Segment
This patent describes the Polymerase Chain Reaction (PCR), a method to rapidly create many copies of a specific piece of DNA or RNA, enabling its detection and analysis.
Cetus Corp
US 8697359 · 2014
How to Edit Genes in Human Cells Using an Engineered CRISPR System
This patent describes an engineered CRISPR-Cas9 system for precisely cutting DNA in eukaryotic cells to change how genes work, opening the door for gene editing in complex organisms.
Massachusetts Institute of Technology
US 7657849 · 2010
How the iPhone's Slide-to-Unlock Gesture Works
Apple's 2010 patent describes unlocking a device by dragging a specific graphical image across the touchscreen along a predefined path, a gesture that became iconic with the original iPhone.
Apple Inc
US 4733665 · 1988
How Doctors Implant a Permanent Stent Using a Balloon
This patent describes the method for placing a permanent, expandable wire mesh tube inside a blood vessel or other body tube using a balloon-tipped catheter to widen it and keep it open.
Expandable Grafts Partnership
US 4965188 · 1990
How to Make Many Copies of a DNA Piece with Heat
This patent describes the Polymerase Chain Reaction (PCR) method, a technique to make millions of copies of a specific DNA segment using a heat-resistant enzyme and repeated temperature changes.
Cetus Corp
US 4235871 · 1980
How to Encapsulate Active Materials in Lipid Bubbles Efficiently
This patent describes a method for trapping biologically active substances inside tiny, multi-layered fat bubbles called liposomes, using a specific water-in-oil emulsion and gel-forming process to improve how much material gets captured.
Individual
More to explore
More in Software & Internet
US 4405829 · 1983 · Massachusetts Institute of Technology
How RSA Public-Key Encryption Keeps Digital Messages Secret
US 6285999 · 2001 · Leland Stanford Junior University
How Websites Get Ranked by Importance
US 5960411 · 1999 · Amazon com Inc
How Amazon's One-Click Ordering Works for Online Purchases
US 7669123 · 2010 · Facebook Inc
Displaying Friends' Activities in a Social Network Feed
New to patents?
Common Questions
Frequently Asked Questions
What does How Digital Wallets Pull Data From Multiple Sources for Payments cover?
A system that lets a digital wallet gather and combine account information from different companies to help a user complete a payment transaction.
Who owns patent US 12100000?
Paymentus Corp owns this patent, granted in 2024.
When does this patent expire?
This patent is expected to expire on September 24, 2044, when the invention enters the public domain.
What problem does this patent solve?
This technology addresses the fragmentation of digital identity and payment data. By automating the collation of data from disparate sources, it reduces the manual effort required by users during checkout, potentially increasing conversion rates for merchants. It is a practical application of data interoperability in the fintech sector.
What does this patent NOT cover?
Does not cover systems that only pull data from a single source or entity.
Patent monitoring