Payment Processor Hosted Account Information
First Claim
1. A method of hosting account information at a payment processor for completing a transaction, the method comprising:
- receiving from a point of sale of a merchant, an account number of a customer in response to initiation of the transaction at the point of sale, wherein the account number is received by the payment processor without being stored at the point of sale;
establishing a unique transaction identifier corresponding to the transaction, the unique transaction identifier also being associated with the account number;
storing the account number and the unique transaction identifier; and
providing the unique transaction identifier to the point of sale and the account number to an entity that provides payment to the merchant from an account associated with the account number of the customer to complete the sales transaction, whereby the transaction is completed without storing the account number of the customer at the point of sale.
3 Assignments
0 Petitions
Accused Products
Abstract
A payment processor may host account information such as an account number of a customer provided during a transaction with a point of sale of a merchant. The account information may be received by the payment processor without being stored at the point of sale. For example, the account information may be received by the payment processor via a web page that may emulate a terminal at the point of sale. The payment processor may store the account information and may establish a unique transaction identifier for the transaction. The unique identifier may be provided to the customer with a receipt and the account number may be provided to an entity that may provide payment the merchant to complete the sales transaction.
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Citations
20 Claims
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1. A method of hosting account information at a payment processor for completing a transaction, the method comprising:
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receiving from a point of sale of a merchant, an account number of a customer in response to initiation of the transaction at the point of sale, wherein the account number is received by the payment processor without being stored at the point of sale; establishing a unique transaction identifier corresponding to the transaction, the unique transaction identifier also being associated with the account number; storing the account number and the unique transaction identifier; and providing the unique transaction identifier to the point of sale and the account number to an entity that provides payment to the merchant from an account associated with the account number of the customer to complete the sales transaction, whereby the transaction is completed without storing the account number of the customer at the point of sale. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method of hosting account information at a payment processor and for voiding a transaction, the method comprising:
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receiving a unique transaction identifier from a point a sale of a merchant, the unique transaction identifier identifying the transaction; determining an account number associated with the unique transaction identifier; using the account number to void the transaction; and providing a confirmation to the point of sale indicative of the transaction being voided. - View Dependent Claims (12, 13, 14, 15)
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16. A method of hosting account information at a payment processor and for crediting a transaction, the method comprising:
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receiving a unique transaction identifier from a point of sale of a merchant; determining an account number associated with the unique transaction identifier; providing the account number to an entity that provides payment to the merchant from an account associated with the account number of a customer; receiving credit receipt information from the entity, wherein the credit receipt information indicates a credit applied to an account identified by the account number; providing a credit receipt comprising the unique transaction identifier to the point of sale, wherein the credit receipt indicates the credit for the transaction corresponding to the unique transaction identifier. - View Dependent Claims (17, 18, 19, 20)
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Specification