At Authvia, we’ve always believed that the future of payments is conversational. From simplifying bill payments to enhancing merchant-to-consumer transactions, our mission is to revolutionize how businesses and consumers interact financially. Today, we’re excited to announce a major milestone: Authvia has been awarded its fifth patent, further cementing our position as the leader in conversational commerce.
Building the Foundation for a New Era of Payments
Authvia’s patented technology doesn’t just enable payments via text—it redefines how transactions are processed, secured, and managed within messaging ecosystems. Our latest patent, Conversational Management of Merchant-to-Consumer Fund Transfers (Patent #12211018), joins a suite of innovations that create a seamless, secure, and highly intelligent conversational payment platform.
These five patents collectively form the backbone of a category-defining fintech solution, setting us apart from traditional pay-by-text offerings and placing Authvia in a class of its own.
The Five Patents Driving Authvia’s Conversational Commerce Platform:
Each of these patents represents a critical piece of the conversational payments puzzle:
- Conversational Management of Merchant-to-Consumer Fund Transfers (Patent #12211018) – Enables merchants to initiate fund transfers and payments to consumers based on pre-existing relationships, using secure message-based authentication.
- Semantic Processing of Conversational Transactions (Patent #12106272) – Uses advanced language processing to interpret and execute payment-related instructions within a single messaging thread, ensuring seamless user experiences without requiring rigid, predefined responses.
- Conversational Management of Partial Payment Transactions (Patent #11989708) – Introduces flexible, user-friendly partial payment capabilities, allowing consumers to manage their balances more effectively while merchants reduce late payments.
- Message-Based Bill Payment (Patent #11734659) – Facilitates bill payments directly through messaging platforms, removing the friction associated with traditional portals and manual entry.
- Methods and Systems for Message-Based Bill Payment (Patent #11144895) – Lays the groundwork for a secure, intuitive, and regulatory-compliant message-based billing system, ensuring payments are completed with minimal effort and maximum compliance.
Together, these innovations represent the most advanced conversational commerce platform in the industry, one that moves beyond simple pay-by-text into a fully interactive and intelligent payment experience.
What This Means for Our ISV, ISO, and Payments Partners
For our partners—Independent Software Vendors (ISVs), Independent Sales Organizations (ISOs), and payment providers—this milestone means an unparalleled opportunity to differentiate in the market. With Authvia’s patented technology, partners can offer their merchants a faster, more secure, and more intuitive payment solution that aligns with modern consumer expectations.
Key Benefits for Our Partners
- Expand Product Offerings: Deliver cutting-edge conversational commerce solutions that go beyond basic text-based payments.
- Increase Revenue Opportunities: Capture more transactions with frictionless payment experiences that drive higher engagement and conversion rates.
- Ensure Compliance and Security: Leverage Authvia’s PCI-compliant infrastructure to maintain security and regulatory adherence across all messaging channels.
- Future-Proof Payment Strategies: Tap into the next generation of payments with technology that evolves alongside consumer behavior.
The Future of Conversational Commerce
The rapid evolution of messaging-based transactions is changing how consumers and businesses interact. With these five patents, Authvia isn’t just keeping up with the future—we’re defining it. Our innovations pave the way for a world where payments happen effortlessly, within the very conversations that drive business.
We’re proud to offer our partners and merchants a platform that does more than process transactions—it creates exceptional customer experiences. Whether it’s enabling instant payments, handling complex billing interactions, or providing seamless ID verification, Authvia is leading the charge toward the next frontier in payments.
Contact Us today to learn more about our patented technology and how it can transform your payment experience.
The future of payments is conversational. The future of conversational commerce is Authvia.
