Method, system and computer readable medium for web site account and e-commerce management from a central location
First Claim
1. A method for managing a financial transaction of a user at both online and offline merchants, comprising:
- providing via a server a merchant identification signal including an identification of both online and offline merchants for selection by a user;
authenticating the user at the server via an authentication signal of a device of the user while the user is at an online or offline site of a merchant selected based on the merchant identification signal, and for an online merchant logging in the user by the server via a login signal sent to the online merchant selected based on the merchant identification signal;
transmitting via the user device directly to a financial institution an activation signal for activating a reusable, pre-existing, unaltered and permanent credit or debit card account number of the user from the user device to the financial institution for processing financial transactions, while the user is authenticated and based on the selection of the merchant by the user based on the merchant identification signal from the server;
submitting a payment request including the reusable, pre-existing, unaltered and permanent credit or debit card account number to the financial institution from the merchant, while the reusable, pre-existing, unaltered and permanent credit or debit card account number is activated; and
de-activating by the user device via a de-activation signal sent by the user device to the financial institution the reusable, pre-existing, unaltered and permanent credit or debit card account number after the payment request is processed and accepted by the financial institution, wherein the financial institution only accepts and processes payment requests received from merchants while the reusable, pre-existing, unaltered and permanent credit or debit card account number is activated, and the financial institution declines payment requests while the reusable, pre-existing, unaltered and permanent credit or debit card account number is de-activated,wherein when the payment request comprises a recurring payment request or a partial payment request and the method further comprises processing the partial payment request including generating one or more subsequent activation signals by the server and generating deactivation information based on the selection of the merchant by the user for processing remaining payments or processing the recurring payment request including generating one or more subsequent activation signals by the server and generating deactivation information based on the selection of the merchant by the user for processing recurring payments, andthe generation of the subsequent activation signals by the server do not require further authenticating of the user by the server.
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Accused Products
Abstract
A method, system, and computer readable medium for managing a financial transaction of a user at a merchant, including authenticating the user via a device of the user while the user is at the merchant; transmitting activation information for activating a reusable, pre-existing, unaltered and permanent credit or debit card account number of the user from the user device to a financial institution for processing financial transactions, while the user is authenticated; submitting a payment request including the account number to the financial institution from the merchant, while the account number is activated; and de-activating the account number after the payment request is processed by the financial institution. The financial institution only accepts and processes payment requests received from merchants while the account number is activated, and the financial institution declines payment requests while the account number is de-activated.
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Citations
51 Claims
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1. A method for managing a financial transaction of a user at both online and offline merchants, comprising:
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providing via a server a merchant identification signal including an identification of both online and offline merchants for selection by a user; authenticating the user at the server via an authentication signal of a device of the user while the user is at an online or offline site of a merchant selected based on the merchant identification signal, and for an online merchant logging in the user by the server via a login signal sent to the online merchant selected based on the merchant identification signal; transmitting via the user device directly to a financial institution an activation signal for activating a reusable, pre-existing, unaltered and permanent credit or debit card account number of the user from the user device to the financial institution for processing financial transactions, while the user is authenticated and based on the selection of the merchant by the user based on the merchant identification signal from the server; submitting a payment request including the reusable, pre-existing, unaltered and permanent credit or debit card account number to the financial institution from the merchant, while the reusable, pre-existing, unaltered and permanent credit or debit card account number is activated; and de-activating by the user device via a de-activation signal sent by the user device to the financial institution the reusable, pre-existing, unaltered and permanent credit or debit card account number after the payment request is processed and accepted by the financial institution, wherein the financial institution only accepts and processes payment requests received from merchants while the reusable, pre-existing, unaltered and permanent credit or debit card account number is activated, and the financial institution declines payment requests while the reusable, pre-existing, unaltered and permanent credit or debit card account number is de-activated, wherein when the payment request comprises a recurring payment request or a partial payment request and the method further comprises processing the partial payment request including generating one or more subsequent activation signals by the server and generating deactivation information based on the selection of the merchant by the user for processing remaining payments or processing the recurring payment request including generating one or more subsequent activation signals by the server and generating deactivation information based on the selection of the merchant by the user for processing recurring payments, and the generation of the subsequent activation signals by the server do not require further authenticating of the user by the server. - 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 computer program product for managing a financial transaction of a user at both online and offline merchants, including one or more computer readable instructions embedded on a computer readable medium and configured to cause one or more computer processors to perform the steps of:
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providing via a server a merchant identification signal including an identification of both online and offline merchants for selection by a user; authenticating the user at the server via an authentication signal of a device of the user while the user is at an online or offline site of a merchant selected based on the merchant identification signal, and for an online merchant logging in the user by the server via a login signal sent to the online merchant selected based on the merchant identification signal; transmitting via the user device directly to a financial institution an activation signal for activating a reusable, pre-existing, unaltered and permanent credit or debit card account number of the user from the user device to the financial institution for processing financial transactions, while the user is authenticated and based on the selection of the merchant by the user based on the merchant identification signal from the server; submitting a payment request including the reusable, pre-existing, unaltered and permanent credit or debit card account number to the financial institution from the merchant, while the reusable, pre-existing, unaltered and permanent credit or debit card account number is activated; and de-activating by the user device via a de-activation signal sent by the user device to the financial institution the reusable, pre-existing, unaltered and permanent credit or debit card account number after the payment request is processed and accepted by the financial institution, wherein the financial institution only accepts and processes payment requests received from merchants while the reusable, pre-existing, unaltered and permanent credit or debit card account number is activated, and the financial institution declines payment requests while the reusable, pre-existing, unaltered and permanent credit or debit card account number is de-activated, wherein when the payment request comprises a recurring payment request or a partial payment request and the method further comprises processing the partial payment request including generating one or more subsequent activation signals by the server and generating deactivation information based on the selection of the merchant by the user for processing remaining payments or processing the recurring payment request including generating one or more subsequent activation signals by the server and generating deactivation information based on the selection of the merchant by the user for processing recurring payments, and the generation of the subsequent activation signals by the server do not require further authenticating of the user by the server. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35)
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19. A system for managing a financial transaction of a user at both online and offline merchants, the system comprising:
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a server configured to provide a merchant identification signal including an identification of both online and offline merchants for selection by a user; and a user device connected to the server over a communications network; wherein the server is configured to authenticate the user via an authentication signal of the device of the user while the user is at an online or offline site of a merchant selected based on the merchant identification signal, and for an online merchant log in the user via a login signal sent to the online merchant selected based on the merchant identification signal; wherein the user device is configured to transmit directly to a financial institution an activation signal for activating a reusable, pre-existing, unaltered and permanent credit or debit card account number of the user from the user device to the financial institution for processing financial transactions, while the user is authenticated and based on the selection of the merchant by the user based on the merchant identification signal from the server; wherein the merchant submits a payment request including the reusable, pre-existing, unaltered and permanent credit or debit card account number to the financial institution, while the reusable, pre-existing, unaltered and permanent credit or debit card account number is activated; wherein the reusable, pre-existing, unaltered and permanent credit or debit card account number is de-activated by the user device via a de-activation signal sent by the user device to the financial institution after the payment request is processed and accepted by the financial institution, wherein the financial institution only accepts and processes payment requests received from merchants while the reusable, pre-existing, unaltered and permanent credit or debit card account number is activated, and the financial institution declines payment requests while the reusable, pre-existing, unaltered and permanent credit or debit card account number is de-activated; wherein when the payment request comprises a recurring payment request or a partial payment request and the system is configured to process the partial payment request by generating one or more subsequent activation signals by the server and generating deactivation information based on the selection of the merchant by the user for processing remaining payments or processing the recurring payment request including generating one or more subsequent activation by the server and generating deactivation information based on the selection of the merchant by the user for processing recurring payments; and wherein the generation of the subsequent activation signals by the server do not require further authenticating of the user by the server. - View Dependent Claims (36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51)
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Specification