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PROVIDING PAYMENT DATA TOKENS FOR ONLINE TRANSACTIONS UTILIZING HOSTED INLINE FRAMES

  • US 20100094755A1
  • Filed: 10/09/2009
  • Published: 04/15/2010
  • Est. Priority Date: 10/09/2008
  • Status: Abandoned Application
First Claim
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1. A method, comprising:

  • providing an inline frame for collecting sensitive payment data regarding access to monies held for an end user, the inline frame for embedding directly within a website maintained by a business entity having an online presence;

    collecting the sensitive payment data regarding the access to the monies held for the end user via the inline frame;

    storing the sensitive payment data in an electronic database;

    associating a payment data token with the sensitive payment data regarding the access to the monies held for the end user;

    providing the payment data token to the business entity;

    receiving a request from the business entity to transfer at least a portion of the monies held for the end user to the business entity;

    receiving the payment data token from the business entity with the request;

    retrieving the sensitive payment data regarding the access to the monies held for the end user from the electronic database; and

    transferring the at least a portion of the monies held for the end user to the business entity utilizing the retrieved sensitive payment data via a backend payment gateway,wherein the step of providing the payment data token to the business entity is performed before the step of receiving the request from the business entity to transfer at least a portion of the monies held for the end user to the business entity, allowing the business entity to validate information regarding the transaction prior to processing the transaction.

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