SERIAL NUMBER AND PAYMENT DATA BASED PAYMENT CARD PROCESSING
First Claim
1. A payment card company server, comprising:
- a communication module coupled to at least one communication network;
a processing module coupled to the communication module;
memory coupled to the processing module; and
wherein the processing module, in cooperation with the communication module, is operable to;
receive a payment authorization request message originated by a merchant server, wherein the payment authorization request message including a payment authorization request that is based on a purchase selection message originated by a media device and includes user payment account information corresponding to a user payment account;
receive a media device ID corresponding to the media device that originated the purchase selection message;
determine whether the media device ID corresponds to an authorized media device having an established association with the user payment account; and
validate the payment authorization request based in part on determining that the media device ID corresponds to the authorized media device.
1 Assignment
0 Petitions
Accused Products
Abstract
A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID.
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Citations
25 Claims
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1. A payment card company server, comprising:
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a communication module coupled to at least one communication network; a processing module coupled to the communication module; memory coupled to the processing module; and wherein the processing module, in cooperation with the communication module, is operable to; receive a payment authorization request message originated by a merchant server, wherein the payment authorization request message including a payment authorization request that is based on a purchase selection message originated by a media device and includes user payment account information corresponding to a user payment account; receive a media device ID corresponding to the media device that originated the purchase selection message; determine whether the media device ID corresponds to an authorized media device having an established association with the user payment account; and validate the payment authorization request based in part on determining that the media device ID corresponds to the authorized media device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method for approving a payment authorization request, comprising:
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receiving a first payment authorization request message that includes a payment authorization request originated by a merchant server, an amount, and user payment account information corresponding to a user payment account, wherein the payment authorization request that is based on a purchase selection message originated by a media device; receiving a media device ID corresponding to the media device that originated the purchase selection message; determining whether the media device ID corresponds to an authorized media device having an established association with the user payment account; validating the payment authorization request based in part on determining that the media device ID corresponds to the authorized media device; and transmitting a second payment authorization request to a financial institution issuer server. - View Dependent Claims (14, 15, 16, 17, 18)
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19. A method, comprising:
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receiving a first payment authorization request message that includes a payment authorization request that is based on a purchase selection message and wherein the payment authorization request message that further includes user payment account information for a user payment account; receiving a media device ID, the media device ID corresponding to a media device that transmitted the purchase selection message; and determining whether the media device ID is for an authorized media device having an established association with the user payment account by one of; comparing the received media device ID to an authorized media device ID transmitted within the user payment account information; comparing the received media device ID to an authorized media device ID stored in memory;
orselecting an encryption key based on the received media device ID and successfully decrypting an encrypted portion of the user payment account information using the selected encryption key whereby only an encryption key that corresponds to an authorized media device is operable to successfully decrypt the encrypted portion of the user payment account information. - View Dependent Claims (20, 21, 22, 23, 24, 25)
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Specification