Method and system for automatically issuing digital merchant based online payment card
First Claim
1. A method for facilitating online commerce, comprising:
- receiving a payment request at a credit facility;
sending a payment identifier to a merchant based on the payment request.
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Accused Products
Abstract
An online payment card is a digital form card derived from a credit/debit card or bank account of a customer. A central service provider issues the online payment card electronically to a registered merchant system under the authorization of the owner of the ordinary credhVdebit or bank account. The central service provider maintains the association of the online payment card with the ordinary credit/debit card or bank account of the customer, and the identity of the merchant that the payment is issued to. The merchant handles the online payment card in the same manner as ordinary card. When the merchant submits a request for authorization, the central service provider verifies if the online payment card is associated with the merchant who submits the authorization request. If the verification successes, the central service provider process the authorization request using the ordinary credit/debit which is associated with the online payment card.
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Citations
16 Claims
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1. A method for facilitating online commerce, comprising:
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receiving a payment request at a credit facility; sending a payment identifier to a merchant based on the payment request. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method for facilitating online commerce, the method comprising:
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receiving a request to pay at a merchant server from a customer; sending a payment request to a credit facility from the merchant server; redirecting the customer to the credit facility based on the sending of the payment request; and receiving a payment identifier at the merchant server from the credit facility. - View Dependent Claims (8, 9, 10)
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11. A method for facilitating online commerce between a merchant and a customer, the method comprising:
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receiving a request to pay at the merchant from the customer; sending the customer a payment request based on the request to pay, the payment request including a merchant ID; redirecting the customer to a credit facility; receiving a payment identifier; and transmitting the payment identifier to the credit facility. - View Dependent Claims (12, 13, 14, 15, 16)
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Specification