PROCESSING AUTHORIZATION REQUESTS
First Claim
1. A method for use in processing payment authorization requests for payment transactions to be conducted via a data communications network, the method comprising, at a trusted intermediary system:
- receiving data indicative of a user having been authenticated by a first authentication process conducted between the user and a data communication interface associated with a bank data processing system via a data communication network;
activating, in response to the receipt of the authentication-indicative data, a user account corresponding to one or more transactional accounts held by the user at the bank data processing system;
storing payment data associated with the one or more transactional accounts in a data store in association with the user account; and
retrieving, following a subsequent authentication of the user by a second authentication process conducted between the user and the trusted intermediary system, the stored payment data from the data store for use in processing at least one payment authorization request involving the user.
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Accused Products
Abstract
Systems, methods and computer programs for use in processing payment authorization requests for payment transactions to be conducted via a data communications network. At a trusted intermediary system, data indicative of the user having been authenticated by a first authentication process conducted between the user and a data communication interface associated with a bank data processing system is received via a data communication network. In response to the receipt of the authentication-indicative data, a user account corresponding to one or more transactional accounts held by a user at the bank data processing system is activated. Payment data associated with the one or more transactional accounts is stored in a data store in association with the user account. Following a subsequent authentication of the user by a second authentication process conducted between the user and the trusted intermediary system, the stored payment data is retrieved from the data store for use in processing at least one payment authorization request involving the user.
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Citations
20 Claims
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1. A method for use in processing payment authorization requests for payment transactions to be conducted via a data communications network, the method comprising, at a trusted intermediary system:
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receiving data indicative of a user having been authenticated by a first authentication process conducted between the user and a data communication interface associated with a bank data processing system via a data communication network; activating, in response to the receipt of the authentication-indicative data, a user account corresponding to one or more transactional accounts held by the user at the bank data processing system; storing payment data associated with the one or more transactional accounts in a data store in association with the user account; and retrieving, following a subsequent authentication of the user by a second authentication process conducted between the user and the trusted intermediary system, the stored payment data from the data store for use in processing at least one payment authorization request involving the user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A system for use in processing payment authorization requests for payment transactions to be conducted via a data communications network, the system comprising a trusted intermediary system configured for:
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receiving data indicative of a user having been authenticated by a first authentication process conducted between the user and a data communication interface associated with a bank data processing system via a data communication network; activating, in response to the receipt of the authentication-indicative data, a user account corresponding to one or more transactional accounts held by the user at the bank data processing system; storing payment data associated with the one or more transactional accounts in a data store in association with the user account; and retrieving, following a subsequent authentication of the user by a second authentication process conducted between the user and the trusted intermediary system, the stored payment data from the data store for use in processing at least one payment authorization request involving the user.
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11. A non-transitory computer-readable medium comprising computer-executable instructions which, when executed by a processor, cause a computing device to perform a method for use in processing payment authorization requests for payment transactions to be conducted via a data communications network, the method comprising, at a trusted intermediary system:
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receiving data indicative of a user having been authenticated by a first authentication process conducted between the user and a data communication interface associated with a bank data processing system via a data communication network; activating, in response to the receipt of the authentication-indicative data, a user account corresponding to one or more transactional accounts held by the user at the bank data processing system; storing payment data associated with the one or more transactional accounts in a data store in association with the user account; and retrieving, following a subsequent authentication of the user by a second authentication process conducted between the user and the trusted intermediary system, the stored payment data from the data store for use in processing at least one payment authorization request involving the user.
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12. A method for use in processing payment authorization requests for payment transactions to be conducted via a data communications network, the method comprising, at a bank data processing system:
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conducting a first authentication process involving a user and the bank data processing system; and transmitting data, indicative of the user having been authenticated by the first authentication process, to activate a user account for the user in a trusted intermediary system, the trusted intermediary system being arranged to store payment data associated with one or more transactional accounts held by the user at the bank data processing system in a data store in association with the activated user account and to retrieve, following a subsequent authentication of the user by a second authentication process conducted between the user and the trusted intermediary system, the stored payment data from the data store for use in processing at least one payment authorization request involving the user. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20)
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Specification