SECURE PAYMENT SYSTEM
First Claim
Patent Images
1. A method for facilitating secure payment for a transaction, the method comprising:
- receiving, at a payment processing server, signals representing transaction information from at least one of a merchant device and a customer device, the transaction information comprising purchase information and customer information;
retrieving from a secure customer database associated with the payment processing server, payment information associated with the customer information;
sending, to an account processing resource, signals representing an authorization request, the authorization request including data corresponding to at least a portion of the transaction information and the payment information;
receiving, at the payment processing server, signals representing an authorization response indicating whether the authorization request has been approved; and
sending signals corresponding to the authorization response to at least one of the merchant device and the customer device.
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Abstract
A method for facilitating secure payment for a transaction, the method comprising: Systems, methods, and devices for facilitating secure payment for a transaction are described. In some embodiments, secure tokens that are linked with remotely- and securely-stored purchaser payment information may be exchanged and transmitted during transaction processing so as to avoid direct transmission of sensitive purchaser information.
147 Citations
20 Claims
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1. A method for facilitating secure payment for a transaction, the method comprising:
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receiving, at a payment processing server, signals representing transaction information from at least one of a merchant device and a customer device, the transaction information comprising purchase information and customer information; retrieving from a secure customer database associated with the payment processing server, payment information associated with the customer information; sending, to an account processing resource, signals representing an authorization request, the authorization request including data corresponding to at least a portion of the transaction information and the payment information; receiving, at the payment processing server, signals representing an authorization response indicating whether the authorization request has been approved; and sending signals corresponding to the authorization response to at least one of the merchant device and the customer device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 19)
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12. A method for facilitating secure payment for a transaction, the method comprising:
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sending to a payment processing server, signals representing transaction information from at least one of a merchant device and a customer device, the transaction information comprising purchase information and customer information, the customer information corresponding to payment information stored in a customer database accessible by the payment processing server; and receiving, at at least one of the merchant device and the customer device, signals corresponding to an authorization response generated by an account processing resource based on the payment information. - View Dependent Claims (13, 14, 15, 16, 17, 18, 20)
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Specification