US 11,810,076 B1
Payment processing method and apparatus using an intermediary platform
Timothy Thairu, San Francisco, CA (US); and Lachlan Groom, San Francisco, CA (US)
Assigned to STRIPE, INC., San Francisco, CA (US)
Filed by Stripe, Inc., San Francisco, CA (US)
Filed on Jun. 3, 2022, as Appl. No. 17/832,251.
Application 17/832,251 is a continuation of application No. 16/428,650, filed on May 31, 2019, granted, now 11,361,284.
Claims priority of provisional application 62/678,880, filed on May 31, 2018.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/02 (2012.01)
CPC G06Q 20/027 (2013.01) [G06Q 20/4097 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
electronically receiving, at a payment processing system, approval, from of a first authorization request for a first transaction from a server-side application running at a remote location of a platform, the platform being a user of the payment processing system, the first authorization request including a first tracking information and first payment information specifying a first payment amount that is part of a first payment flow for the first transaction;
electronically receiving for approval, at the payment processing system, a second authorization request for a second transaction from a merchant using a payment instrument associated with the platform responsive to the first transaction being initiated at a first time that corresponds to a time period when the payment processing system electronically receives approval from the platform of the first authorization request for the first transaction, the second authorization request including second tracking information and second payment information specifying a payment amount that is part of a second payment flow for the second transaction, the first and second payment flows progressing independently of each other;
settling transactions associated with the platform, using a settlement engine of the payment processing system, in which funds are transferred to the payment processing system from a paying network as part of the first payment flow at a second time, after the first time, that corresponds to a time period when funds are transferred by the payment processing system as part of the second payment flow, wherein the settling includes comparing, with a tracking engine of the payment processing system, the first and second tracking information associated with the first and second authorization requests and determining the first and second authorization requests are related to each other in that the second transaction corresponds to a service performed by an agent of the platform; and
adjusting, by the payment processing system, an available balance of the platform by an amount based on transaction amounts of the first and second transactions.