SECURE NETWORKED TRANSACTION SYSTEM
First Claim
Patent Images
1. A method comprising:
- receiving, at a merchant computing device, transaction information indicating a requested transaction from a user computing device, the transaction information including a first portion of credit card or debit card information, wherein the credit card or debit card information also includes a second portion that is necessary to complete the requested transaction that is not received at the merchant computing device;
in response to receiving the transaction information, redirecting the user computing device to a user interface associated with a verification system, the user interface requesting the second portion of the credit card or debit card information;
receiving at the merchant computing device a first approval indication from the verification system;
receiving at the merchant computing device a second approval indication from the user computing device;
comparing the first approval indication and the second approval indication; and
in response to determining that the first approval indication and the second approval indication match, initiating completion of a transaction indicated in the transaction information.
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Abstract
A method and system for approving a transaction between a customer and a merchant including the steps of transmitting a transaction request from a customer to a merchant; transmitting a verification request from the merchant to a verification entity, the verification request comprising first data; the customer device transmitting second data to the verification entity; and the verification entity performing a verification step by using the first data and the second data to verify if the transaction should be approved.
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Citations
15 Claims
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1. A method comprising:
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receiving, at a merchant computing device, transaction information indicating a requested transaction from a user computing device, the transaction information including a first portion of credit card or debit card information, wherein the credit card or debit card information also includes a second portion that is necessary to complete the requested transaction that is not received at the merchant computing device; in response to receiving the transaction information, redirecting the user computing device to a user interface associated with a verification system, the user interface requesting the second portion of the credit card or debit card information; receiving at the merchant computing device a first approval indication from the verification system; receiving at the merchant computing device a second approval indication from the user computing device; comparing the first approval indication and the second approval indication; and in response to determining that the first approval indication and the second approval indication match, initiating completion of a transaction indicated in the transaction information. - View Dependent Claims (2, 3, 4, 5)
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6. A computing system comprising:
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a. processor; and a computer readable medium storing machine-executable instructions including one or more modules configured for execution by the processor in order to cause the computing system to; receive, at a merchant computing device, transaction information indicating a requested transaction from a user computing device, the transaction information including a first portion of credit card or debit card information, wherein the credit card or debit card information also includes a second portion that is necessary to complete the requested transaction that is not received at the merchant computing device; in response to receiving the transaction information, redirect the user computing device to a user interface associated with a verification system, the user interface requesting the second portion of the credit card or debit card information; receive at the merchant computing device a first approval indication from the verification system; receive at the merchant computing device a second approval indication from the user computing device; compare the first approval indication and the second approval indication; and in response to determining that the first approval indication and the second approval indication match, initiate completion of a transaction indicated in the transaction information. - View Dependent Claims (7, 8, 9, 10)
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11. A computer-readable medium having instructions stored thereon that, if executed by a computing device, cause the computing device to perform operations comprising
receiving, at a merchant computing device, transaction information indicating a requested transaction from a user computing device, the transaction information including a first portion of financial account information, wherein the financial account information also includes a second portion that is necessary to complete the requested transaction that is not received at the merchant computing device; -
in response to receiving the transaction information, redirecting the user computing device to a user interface associated with a verification system, the user interface requesting the second portion of the financial account information; receiving at the merchant computing device a first approval indication from the verification system; receiving at the merchant computing device a second approval indication from the user computing device; comparing the first approval indication and the second approval indication; and in response to determining that the first approval indication and the second approval indication match, initiating completion of a transaction indicated in the transaction information. - View Dependent Claims (12, 13, 14, 15)
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Specification