SECURE PAYMENT SYSTEM
First Claim
Patent Images
1. A method of processing electronic payment transactions using at least one payment device of a customer without requiring a merchant to store data specific to the at least one payment device, the method comprising:
- receiving identification information of a customer account;
generating a unique identifier associated with the customer account;
receiving data specific to a first payment device;
storing identification information of the customer account and the data specific to the first payment device;
providing the unique identifier to at least one of the merchant or a customer;
receiving a payment processing request from the merchant that includes the unique identifier; and
processing the payment processing request using the first payment device such that the merchant is only required to identify the unique identifier of the customer account and not the data specific to the first payment device.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems and method for performing secure electronic payment transactions to allow merchants to perform payment processing such that the merchant is only required to identify a unique identifier of a customer account and not data specific to a particular payment device.
-
Citations
21 Claims
-
1. A method of processing electronic payment transactions using at least one payment device of a customer without requiring a merchant to store data specific to the at least one payment device, the method comprising:
-
receiving identification information of a customer account; generating a unique identifier associated with the customer account; receiving data specific to a first payment device; storing identification information of the customer account and the data specific to the first payment device; providing the unique identifier to at least one of the merchant or a customer; receiving a payment processing request from the merchant that includes the unique identifier; and processing the payment processing request using the first payment device such that the merchant is only required to identify the unique identifier of the customer account and not the data specific to the first payment device. - View Dependent Claims (2, 3, 4, 5, 6)
-
-
7. A method of processing electronic payment transactions using at least one payment device of a customer without requiring a merchant to store data specific to the at least one payment device, the method comprising:
-
receiving identification information of a customer account; generating a unique identifier associated with the customer account; receiving data specific to a first payment device and a second payment device; receiving one or more preferences associated with the unique identifier including receiving an order in which the first payment device and second payment device should be used to process a payment processing request from a merchant; storing identification information of the customer account, the data specific to the first payment device and second payment device, and the one or more preferences associated with the customer account; providing the unique identifier to at least one of a merchant or a customer; receiving a payment processing request from a merchant that includes the unique identifier but does not specify which of the first payment device or second payment device to use to process the payment processing request; and processing the payment processing request according to the one or more preferences such that the merchant is only required to specify the unique identifier of the customer account and not the data specific to the first payment device or second payment device. - View Dependent Claims (8, 9)
-
-
10. A method of processing electronic payment transactions using at least one payment device of a customer without requiring a merchant to store data specific to the at least one payment device, the method comprising:
-
receiving identification information of a customer account; generating a unique identifier associated with the customer account; receiving data specific to a first payment device and a second payment device; receiving one or more preferences associated with the unique identifier including receiving a preference that payment processing requests from a merchant can only be processed using one of the first payment device or the second payment device, but not both; storing identification information of the customer account, the data specific to the first payment device and second payment device, and the one or more preferences associated with the customer account; providing the unique identifier to at least one of the merchant or a customer; receiving a payment processing request from the merchant that includes the unique identifier; and processing the payment processing request according to the one or more preferences such that the merchant is only required to identify the unique identifier of the customer account and not the data specific to the first payment device or second payment device. - View Dependent Claims (11, 12, 13, 14)
-
-
15. A method of processing electronic payment transactions using at least one payment device of a customer without requiring a merchant to store data specific to the at least one payment device, the method comprising:
-
receiving identification information of a customer account; generating a unique identifier associated with the customer account; receiving data specific to a first payment device and a second payment device; receiving one or more preferences associated with the unique identifier including receiving distributed payment rules to distribute a payment processing request from a merchant between the first payment device and second payment device; storing identification information of the customer account, the data specific to the first payment device and second payment device, and the one or more preferences associated with the customer account; providing the unique identifier to at least one of a merchant or a customer; receiving a payment processing request from a merchant that includes the unique identifier but does not specify which of the first payment device or second payment device to use to process the payment processing request; and processing the payment processing request according to the one or more preferences such that the merchant is only required to specify the unique identifier of the customer account and not the data specific to the first payment device or second payment device. - View Dependent Claims (16, 17)
-
-
18. A method of processing electronic payment transactions using at least one payment device of a customer without allowing a merchant to store payment device-specific data, the method comprising:
-
receiving identification information of a customer account; receiving a request for a temporary unique identifier associated with the customer account; generating the temporary unique identifier associated with the customer account that is valid for a maximum number of uses; receiving data specific to a first payment device; storing identification information of the customer account, the data specific to the first payment device, and the one or more preferences associated with the customer account; providing the temporary unique identifier to at least one of a merchant or a customer; receiving payment processing request from a merchant that does not specify which of the first payment device or second payment device to be used to process the payment processing request, the payment processing request including the temporary unique identifier; determining whether the temporary unique identifier is valid; and if the temporary identifier is valid, processing the payment processing request according to the one or more preferences such that the merchant is only required to identify the temporary unique identifier of the customer account and not the data specific to the first payment device or second payment device. - View Dependent Claims (19, 20, 21)
-
Specification