SYSTEMS AND METHODS FOR TRANSACTION PROCESSING BASED UPON ENCODED DATA AND/OR LINKING INSTRUMENTS

• US 20140164219A1
• Filed: 12/06/2012
• Published: 06/12/2014
• Est. Priority Date: 12/06/2012
• Status: Abandoned Application

• Current Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Mavromatis, Anthony, Timmers, Kendell, Zhou, Hao
• Application Number:
  US13/707,080
• Publication Number:
  US 20140164219A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/22 Payment schemes or models
• CPC Class Codes: G06Q 20/401 Transaction verification

Abstract

The present disclosure includes a system, method, and article of manufacture for processing a transaction. The method may comprise receiving encoded data from a customer web client, receiving customer supplied data from the customer web client, processing the transaction based upon the encoded data and the customer supplied data, and transmitting a reply to the customer web client in response to the processing. Further, in various embodiments, the customer web client may scan the encoded data from a merchant web client, and/or the encoded data may encode a merchant web client identifier. Customer supplied data may include, among other things, transaction account data and/or transaction information.

Claims

1. A method comprising:

receiving, by a computer-based system for processing a transaction, a merchant web client identifier from a customer web client;

receiving, by the computer-based system, customer supplied data from the customer web client;

receiving, by the computer-based system, the merchant web client identifier from a merchant web client;

determining, by the computer-based system, that the merchant web client identifier received from the customer web client matches the merchant web client identifier received from the merchant web client;

processing, by the computer-based system, the transaction based upon the matching and the customer supplied data; and

transmitting, by the computer-based system, a reply to the customer web client in response to the processing.

2. The method of claim 1, wherein the merchant web client identifier is encoded.

3. The method of claim 1, wherein the customer supplied data includes transaction account information and transaction information.

5. The method of claim 1, wherein the merchant web client identifier is transmitted in response to the merchant web client reading a linking instrument.

6. The method of claim 1, further comprising associating, by the computer-based system, the transaction with the merchant web client based upon a comparison of a merchant web client identifier received from a merchant web client and the merchant web client identifier received from the customer web client.

7. The method of claim 1, wherein the customer web client scans encoded data from the merchant web client to obtain the merchant web client identifier.

4. (canceled)

8. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system for processing a transaction, cause the computer-based system for settling payment to perform operations comprising:

receiving, by the computer-based system a merchant web client identifier from a customer web client;

receiving, by the computer-based system, customer supplied data from the customer web client;

receiving, by the computer-based system, the merchant web client identifier from a merchant web client;

determining, by the computer-based system, that the merchant web client identifier received from the customer web client matches the merchant web client identifier received from the merchant web client;

processing, by the computer-based system, the transaction based upon the matching and the customer supplied data; and

transmitting, by the computer-based system, a reply to the customer web client in response to the processing.

9. The article of claim 8, wherein the merchant web client identifier is encoded.

10. The article of claim 8, wherein the customer supplied data includes transaction account information and transaction information.

12. The article of claim 8, wherein the merchant web client identifier is transmitted in response to the merchant web client reading a linking instrument.

13. The article of claim 8, further comprising associating, by the computer-based system, the transaction with the merchant web client based upon a comparison of a merchant web client identifier received from a merchant web client and the merchant web client identifier received from the customer web client.

14. The article of claim 8, wherein the customer web client scans encoded data from the merchant web client to obtain the merchant web client identifier.

11. (canceled)

15. A system comprising:

a processor for processing a transaction,

a tangible, non-transitory memory configured to communicate with the processor,

the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising;

receiving, by the processor, a merchant web client identifier from a customer web client;

receiving, by the processor, customer supplied data from the customer web client;

receiving, by the processor, the merchant web client identifier from a merchant web client;

determining, by the processor, that the merchant web client identifier received from the customer web client matches the merchant web client identifier received from the merchant web client;

processing, by the processor, the transaction based upon the matching and the customer supplied data; and

transmitting, by the processor, a reply to the customer web client in response to the processing.

16. The system of claim 15, wherein the customer web client scans encoded data from the merchant web client to obtain the merchant web client identifier.

17. The system of claim 15, wherein the customer supplied data includes transaction account information and transaction information.

20. The system of claim 15, further comprising associating, by the

computer-based system, the transaction with the merchant web client based upon a comparison of a merchant web client identifier received from a merchant web client and the merchant web client identifier received from the customer web client.

18. (canceled)

19. The system of claim 18, wherein the merchant web client identifier is transmitted in response to the merchant web client reading a linking instrument.