METHOD FOR UNIVERSAL ELECTRONIC PAYMENT PROCESSING
First Claim
1. A method for processing an electronic transaction among a user, a billing service provider, a merchant, and a transaction facilitator using a transaction facilitator server accessible via a data network, the method comprising:
- receiving product information and a merchant identifier from a merchant server in response to a purchase request by the user;
connecting the user to a server of the billing service provider for authorizing the transaction based on account information of the user;
receiving an authorization response from the billing service provider server indicating whether the transaction has been approved or denied, without receiving the account information;
redirecting the user to the merchant server, which completes the purchase request based on the authorization response.
1 Assignment
0 Petitions
Accused Products
Abstract
An efficient, secure method for processing an electronic transaction among a user (101), a billing service provider (112), a merchant (123) and a transaction facilitator (132) is provided using a transaction facilitator server (131) accessible via a data network (50). Billing service providers (112) include, for example, internet service providers, telephone service providers, banks, or credit card companies. Product information and a merchant identifier are received from a merchant server (122) in response to a user'"'"'s purchase request. The user (101) is connected to the billing service provider server (111) in order to authorize the transaction based on the user'"'"'s account information. The transaction facilitator server (131) and merchant server (122) receive an authorization response from the billing service provider server (111) indicating whether the transaction has been approved or denied. Neither the transaction facilitator server (131) nor the merchant server (122) receive the user'"'"'s account information. The user (101) is redirected to the merchant server (122), completing the purchase request based on the authorization response.
87 Citations
33 Claims
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1. A method for processing an electronic transaction among a user, a billing service provider, a merchant, and a transaction facilitator using a transaction facilitator server accessible via a data network, the method comprising:
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receiving product information and a merchant identifier from a merchant server in response to a purchase request by the user; connecting the user to a server of the billing service provider for authorizing the transaction based on account information of the user; receiving an authorization response from the billing service provider server indicating whether the transaction has been approved or denied, without receiving the account information; redirecting the user to the merchant server, which completes the purchase request based on the authorization response. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. An apparatus for processing an electronic transaction of a user, the apparatus being accessible via a data network, the apparatus comprising:
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a first interface configured to receive product information and a merchant identifier from a merchant server in response to a purchase request by the user; a second interface configured to connect the user to a server of a billing service provider for authorizing the transaction based on account information of the user, and to receive an authorization response from the billing service provider server indicating whether the transaction has been approved or denied, without receiving the account information; wherein the user is redirected to the merchant server via the first interface, the merchant server completing the purchase request based on the authorization response. - View Dependent Claims (19, 20, 21)
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22. A computer readable medium for storing a computer program executed by a server that processes an electronic transaction among a user, a billing service provider, a merchant, and a transaction facilitator using a transaction facilitator server accessible via a data network, the computer readable medium comprising:
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a receiving code segment for receiving product information and a merchant identifier from a merchant server in response to a purchase request by the user; a connecting code segment for connecting the user to a server of the billing service provider for authorizing the transaction based on account information of the user; an authorization code segment for receiving an authorization response from the billing service provider server indicating whether the transaction has been approved or denied, without receiving the user account information; and a redirecting code segment for redirecting the user to the merchant server, which processes the purchase request based on the authorization response. - View Dependent Claims (23, 24)
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25. A method for implementing an on-line debit card using a billing service provider server accessible via a data network, the method comprising:
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storing account information of a user in a database of a billing service provider, the account information including an amount of funds identified by the user for electronic transactions; receiving a connection with the user to authorize a transaction requested by the user at a merchant website and an identification of the merchant website, the transaction comprising a payment amount; and authorizing the payment amount based on the account information of the user; wherein the merchant website receives notice of the authorized payment amount without receiving the account information. - View Dependent Claims (26, 27, 28, 29, 30, 31, 32, 33)
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Specification