A multi-tenant system for monetizing apps via integrated payment gateways

Abstract

A multi-tenant system (100) for monetizing apps via integrated payment gateways, comprising: - a tenant management module configured to register and authenticate multiple tenants and isolate tenant-specific data and configurations; - a payment gateway integration module configured to connect and manage multiple payment gateways through a unified interface, allowing tenants to select and configure preferred payment methods; - a transaction management module configured to securely process, authorize, and track payment transactions across tenants; - a billing and subscription module configured to manage automatic invoicing, recurring billing, and the subscription lifecycle based on tenant-defined pricing plans;- a reporting and analytics module configured to generate payment and revenue reports for individual tenants; and - a security and compliance module configured to ensure data security and regulatory compliance for all payment-related transactions.

Description

[0001] The present invention relates to a multi-tenant system that enables efficient app monetization by integrating multiple payment gateways into a single platform. This system enables independent tenants to seamlessly manage their payment processes while ensuring secure and scalable transactions. It addresses the challenges associated with handling diverse payment methods across multiple tenants and improves revenue generation and the user experience.

[0002] In today's digital economy, multi-tenant applications are becoming increasingly popular, allowing multiple independent users or organizations (tenants) to share a single software instance while ensuring data isolation and customization. However, effectively monetizing such applications remains a significant challenge, especially when tenants require diverse and flexible payment options. Existing systems often fail to efficiently integrate multiple payment gateways, resulting in fragmented user experiences and operational complexities.

[0003] A major problem with current monetization models for multi-tenant apps is the lack of a unified payment processing system that can handle different payment methods and currencies for different tenants. This limitation often forces tenants to rely on separate payment integrations or third-party services, increasing development effort, costs, and management overhead. Furthermore, security and compliance issues arise when payment data is managed inconsistently across different tenants, posing a risk to both service providers and end users.

[0004] The present invention solves these problems by providing a comprehensive multi-tenant system that integrates multiple payment gateways into a single platform. This system streamlines payment management and provides tenants with flexible, secure, and scalable payment solutions tailored to their individual needs. Thus, it solves the problem of fragmented monetization infrastructure, reduces operational complexity, and improves the overall efficiency and reliability of app monetization for multi-tenant environments.

[0005] The aim of the present disclosure is to improve one or more problems of the prior art or at least to provide a useful alternative

[0006] One goal of this disclosure is to enable seamless monetization for multiple tenants on a common platform.

[0007] Another objective of the present disclosure is to support integration with multiple payment gateways for flexible payment options.

[0008] Another objective of this disclosure is to ensure secure and compliant transaction processing for all tenants.

[0009] Another goal of this disclosure is to automate billing and subscription management with customizable pricing models.

[0010] Another objective of this disclosure is to provide detailed reports and analyses to optimize earnings strategies.

[0011] Another objective of this disclosure is to maintain strict data isolation and tenant-specific configuration control.

[0012] Another objective of this disclosure is to provide easy API integration for automation and external system connectivity.

[0013] Another objective of this disclosure is to improve the user experience by streamlining payment transactions in multi-tenant applications.

[0014] The present invention generally provides a multi-tenant system that enables multiple independent tenants to monetize their applications through a common platform while maintaining strict data isolation and tenant-specific configurations.

[0015] One embodiment of the present invention integrates multiple payment gateways into a unified interface, allowing tenants to select and configure payment methods tailored to their business needs and regional preferences.

[0016] In another embodiment of the invention, the system supports secure transaction processing by managing authorization, capture, refund, and dispute resolution in compliance with industry standards such as PCI-DSS.

[0017] Another embodiment of the invention is automated billing and subscription management, which allows tenants to implement flexible pricing models, including recurring payments, one-time fees, discounts, and trial periods.

[0018] Another embodiment of the invention is the reporting and analytics module, which provides tenants with insights into revenue trends, payment success rates, and customer payment behavior to optimize monetization strategies.

[0019] Another embodiment of the invention is that the system enforces strict security and compliance measures, including encryption, multi-factor authentication, tokenization, and fraud detection to protect sensitive financial and personal data.

[0020] Another embodiment of the invention is that tenants benefit from a robust API and integration layer that enables seamless connection with external applications and allows the automation and extension of payment-related workflows.

[0021] Another embodiment of the invention is to address the complexity of managing different payment methods for multiple tenants, providing a scalable, secure and efficient platform that improves monetization and user experience in multi-tenant applications.

[0022] The present invention relates to a multi-tenant system (100) that facilitates app monetization by integrating multiple payment gateways into a single unified platform. It comprises key modules, including tenant management for secure onboarding and configuration, payment gateway integration to support various payment options, and transaction management for secure and compliant processing. Furthermore, it provides billing and subscription management to automate invoicing and renewals, reporting and analytics for actionable insights, and a security module to ensure data protection and regulatory compliance. Together, these modules provide a scalable, flexible, and secure solution for efficiently managing payments across multiple tenants. Tenant management module:

[0023] This module serves as the backbone of the multi-tenant system, enabling the registration, authentication, and management of multiple tenants within a single application environment. Each tenant can independently adjust their payment settings, user roles, and access permissions, ensuring data isolation and personalized control. The module also tracks tenant-specific configurations and provides an administrative dashboard for monitoring tenant activity and subscription status. Payment gateway integration module:

[0024] This module integrates multiple payment gateways—such as PayPal, Stripe, Razorpay, and others—into the system through a unified API interface. It allows tenants to select and configure their preferred payment processors according to their business needs and geographical preferences. The module handles real-time payment processing, currency conversions, and transaction status updates, abstracting the complexity of interacting with various gateway APIs. Transaction management module:

[0025] This module is designed for secure and reliable processing and manages all multi-tenant payment transactions. It manages authorization, capture, refunds, and dispute resolution, and maintains detailed transaction logs for audit purposes. The system utilizes encryption and compliance standards such as PCI-DSS to ensure that sensitive payment data is protected throughout the entire lifecycle of each transaction. Billing and subscription module:

[0026] This module offers flexible billing options for tenants, including one-time payments, recurring subscriptions, and usage-based billing models. It supports automatic invoicing, payment reminders, and subscription lifecycle management. Tenants can set custom pricing plans, discounts, and trial periods, allowing them to develop monetization strategies tailored to their customer base and market requirements. Reporting and analysis module:

[0027] This module generates detailed reports on payment performance, revenue trends, customer payment behavior, and gateway-specific metrics to provide tenants with actionable insights. It offers customizable dashboards and exportable data formats, helping tenants optimize their monetization strategies, identify anomalies, and forecast revenue growth with greater accuracy. Security and Compliance Module:

[0028] Security is critical in any payment system, and this module ensures that all financial transactions comply with industry standards and regulations. It includes features such as multi-factor authentication, tokenization, fraud detection, and regular security audits. The module also manages privacy policies to meet GDPR, CCPA, and other regional compliance requirements, protecting both tenant and end-user data. Integration and API module:

[0029] This module provides a set of developer-friendly APIs and webhooks that enable seamless integration of the payment system with external applications, CRM tools, and third-party services. It allows tenants to automate workflows, synchronize payment data, and extend system functionality to suit their unique business processes. The module supports SDKs and documentation to accelerate integration and reduce development effort.

[0030] The invention is explained again below with reference to the figure. It shows: Fig. : a multi-tenant system (100) for app monetization via integrated payment gateways.

[0031] Fig.illustrates a multi-tenant system (100) for app monetization via integrated payment gateways. The multi-tenant system operates by first onboarding tenants through a secure registration and authentication process that ensures isolated environments for each tenant's data and configurations. After onboarding, tenants can configure their preferred payment gateways from a built-in selection, enabling support for multiple payment methods and currencies tailored to their market needs. When an end user initiates a payment within a tenant's application, the system routes the transaction through the selected payment gateway and transparently handles all authorization, capture, and billing processes.The Transaction Management module continuously monitors payment flow, ensuring secure data transfer, regulatory compliance, and real-time updates on payment status. The Billing and Subscription module automates recurring fees, invoicing, and renewals based on tenant-defined pricing models, while supporting discounts and trial periods to improve customer acquisition and retention. The Reporting and Analytics module aggregates transaction data from all tenants, providing detailed insights into revenue streams, payment success rates, and user behavior, allowing tenants to optimize their monetization strategies. Throughout operations, the Security and Compliance module ensures robust protections such as encryption, fraud detection, and compliance with standards like PCI-DSS and GDPR to safeguard sensitive financial and personal data.Finally, the system's API and integration module enables tenants to seamlessly connect the payment infrastructure with external services, automate workflows, and extend functionality, providing a comprehensive, scalable, and secure multi-tenant payments solution that simplifies monetization while enhancing the user experience.

Claims

[1] A multi-tenant system (100) for monetizing apps via integrated payment gateways, including: - a tenant management module configured to register and authenticate multiple tenants and isolate tenant-specific data and configurations; - a payment gateway integration module configured to connect and manage multiple payment gateways through a unified interface, allowing tenants to select and configure preferred payment methods; - a transaction management module configured to securely process, authorize, and track payment transactions across tenants; - a billing and subscription module configured to manage automatic invoicing, recurring invoicing and subscription lifecycle based on pricing plans defined by the tenant; - a reporting and analysis module configured to generate payment and revenue reports for individual tenants; and - a security and compliance module configured to ensure data security and regulatory compliance for all payment-related transactions. [2] The system (100) of claim 1, wherein the payment gateway integration module supports real-time currency conversion and multi-currency transactions for tenants operating in different geographic regions. [3] The system (100) of claim 1, wherein the billing and subscription module supports usage-based billing and customized discount programs defined by each tenant. [4] The system (100) of claim 1, wherein the transaction management module uses encryption and tokenization techniques to protect sensitive payment information during transmission and storage. [5] The system (100) of claim 1 further comprises an API integration module that provides APIs and webhooks for tenants to integrate the payment system with external applications and automate payment processes. [6] The system (100) of claim 1, wherein the reporting and analytics module provides customizable dashboards and supports the export of reports in multiple data formats. [7] The system (100) of claim 1, wherein the security and compliance module implements multi-factor authentication and fraud detection mechanisms to prevent unauthorized access and fraudulent transactions. [8] The system (100) of claim 1, wherein the tenant management module includes functions for tenant-specific user role management and authorization settings for controlling access within each tenant's environment.

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