PASS-THROUGH PAYMENT SYSTEM
First Claim
1. A computer system for managing electronic transactions, comprising:
- a server computer system including;
a processor;
a computer-readable medium connected to the processor;
a network interface device connected to the processor; and
a set of instructions on the computer-readable medium, the set of instructions being executable by the processor and including;
a data store;
a plurality of consumer accounts stored in the data store, each consumer account having a first consumer account identifier;
a payment source storing module storing a plurality of payment sources associated with the respective consumer account having the respective consumer account identifier;
a payment source selector having a pointer set upon receiving a payment source selection over the network interface device to indicate a selected one of the payment sources, the payment source selector indicating a selected one of the payment sources based on the payment source selection;
a communication and routing module that receives a charge request over the network interface device, the charge request including an amount and a second consumer account identifier and identifies a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier; and
a transaction processing system determining the payment source selected with the pointer of the payment source selector, wherein the charge request is processed based on the payment source selected by the payment source selector.
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Accused Products
Abstract
The invention provides a computer system and method for managing electronic transactions. A plurality of consumer accounts stored in the data store. A payment source storing module stores a plurality of payment sources. A payment source selector is set upon receiving a payment source selection to indicate a selected one of the payment sources. A communication and routing module receives a charge request over the network interface device. A transaction processing system determines a payment source selected with the payment source selector, and processes the charge request based on the payment source selected by the payment source selector.
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Citations
20 Claims
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1. A computer system for managing electronic transactions, comprising:
a server computer system including; a processor; a computer-readable medium connected to the processor; a network interface device connected to the processor; and a set of instructions on the computer-readable medium, the set of instructions being executable by the processor and including; a data store; a plurality of consumer accounts stored in the data store, each consumer account having a first consumer account identifier; a payment source storing module storing a plurality of payment sources associated with the respective consumer account having the respective consumer account identifier; a payment source selector having a pointer set upon receiving a payment source selection over the network interface device to indicate a selected one of the payment sources, the payment source selector indicating a selected one of the payment sources based on the payment source selection; a communication and routing module that receives a charge request over the network interface device, the charge request including an amount and a second consumer account identifier and identifies a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier; and a transaction processing system determining the payment source selected with the pointer of the payment source selector, wherein the charge request is processed based on the payment source selected by the payment source selector. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A computer-based method of managing electronic transactions comprising:
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storing, with a processor, a plurality of consumer accounts in a data store, each consumer account having a first consumer account identifier; storing, with the processor, a plurality of payment sources associated with the respective consumer account having the respective consumer account identifier; receiving, with the processor, a payment source selection over the network interface device to indicate a selected one of the payment sources; setting, with the processor, a pointer of a payment source selector to indicate a selected one of the payment sources based on the payment source selection; receiving, with the processor, a charge request over the network interface device, the charge request including an amount and a second consumer account identifier; identifying, with the processor, a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier; determining, with the processor, the payment source selected with the pointer of the payment source selector; and processing, with the processor, the charge request based on the payment source selected by the payment source selector. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification