System and Method for the Interoperability of Different Payment or Transaction Authorization Platforms
First Claim
1. A system for effecting a payment account transaction initiated at a point of sale along a transaction network on behalf of a payment account registrant while avoiding disclosure of the registrant'"'"'s payment account information at the point of sale, comprising:
- a merchant device at the point of sale, for generating a partial authorization request;
an authorizing instrument;
an intermediary, in data communication with the merchant device, the authorizing instrument and the transaction network, for;
receiving the partial authorization request from the merchant device;
receiving authentication information of an authorized representative of the registrant from the authorizing instrument;
retrieving the registrant'"'"'s payment account information using the authentication information;
combining the partial authorization request and the payment account information into an authorization request; and
forwarding the authorization request along the transaction network for processing.
2 Assignments
0 Petitions
Accused Products
Abstract
A system, method and intermediary for effecting a payment account transaction at a point of sale on behalf of a registrant while avoiding disclosure of its payment account information at the point of sale. The system comprises a merchant device at the point of sale for generating a partial authorization request, an authorizing instrument for providing authentication information of an authorized representative and the intermediary, located remotely from the point of sale, for receiving the partial request and the authentication. The intermediary retrieves the registrant'"'"'s payment account information using the authentication, combines it with the partial request to form an authorization request and forwards it along the transaction network for processing. The authentication information may arrive with a subset of transaction information. The authorizing instrument may be located at the point of sale. A requesting instrument may request the authorizing instrument to forward the authentication information.
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Citations
27 Claims
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1. A system for effecting a payment account transaction initiated at a point of sale along a transaction network on behalf of a payment account registrant while avoiding disclosure of the registrant'"'"'s payment account information at the point of sale, comprising:
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a merchant device at the point of sale, for generating a partial authorization request; an authorizing instrument; an intermediary, in data communication with the merchant device, the authorizing instrument and the transaction network, for; receiving the partial authorization request from the merchant device; receiving authentication information of an authorized representative of the registrant from the authorizing instrument; retrieving the registrant'"'"'s payment account information using the authentication information; combining the partial authorization request and the payment account information into an authorization request; and forwarding the authorization request along the transaction network for processing. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A method for effecting a payment account transaction at a point of sale along a transaction network on behalf of a payment account registrant while avoiding disclosure of the registrant'"'"'s payment account information at the point of sale, comprising, at a location remote from the point of sale:
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maintaining associations between authentication information and the registrant'"'"'s payment account information; receiving a partial authorization request comprising transaction information; receiving authentication information of an authorized representative of the registrant; retrieving the registrant'"'"'s payment account information using the authentication information; combining a partial authorization request comprising transaction information and the payment account information into an authorization request; and forwarding the authorization request along the transaction network for processing. - View Dependent Claims (19, 20, 21, 22)
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23. An intermediary, in data communication with a merchant device at a point of sale and with a transaction network for effecting a payment account transaction along the transaction network on behalf of a payment account registrant while avoiding disclosure of the registrant'"'"'s payment account information at the point of sale, the intermediary being located remotely from the point of sale and comprising:
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an account database for maintaining associations between authentication information and the registrant'"'"'s payment account information; and a transaction file handler for; receiving, from the merchant device, a partial authorization request comprising transaction information; receiving authentication information of an authorized representative of the registrant; retrieving the registrant'"'"'s payment account information from the account database using the authentication information; combining the partial authorization request and the payment account information into an authorization request; and forwarding the authorization request along the transaction network for processing. - View Dependent Claims (24, 25, 26)
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27. A computer-readable medium in a system for effecting a payment account transaction initiated at a point of sale along a transaction network on behalf of a payment account registrant while avoiding disclosure of the registrant'"'"'s payment account information at the point of sale, the medium having stored thereon, computer-readable and computer-executable instructions which, when executed by a processor, cause a processor to perform actions comprising:
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maintaining associations between authentication information and the registrant'"'"'s payment account information; receiving a partial authorization request comprising transaction information; receiving authentication information of an authorized representative of the registrant; retrieving the registrant'"'"'s payment account information using the authentication information; combining a partial authorization request comprising transaction information and payment account information into an authorization request; and forwarding the authorization request along the transaction network for processing.
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Specification