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Method for hub and spokes pan entry and payment verification

  • US 8,757,478 B2
  • Filed: 07/09/2012
  • Issued: 06/24/2014
  • Est. Priority Date: 07/09/2012
  • Status: Active Grant
First Claim
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1. A method of conducting an electronic card payment between a merchant, having a merchant'"'"'s device, and a cardholder, having a payment card and a cardholder'"'"'s device, comprising:

  • initiating a payment application in the merchant'"'"'s device;

    receiving, into the payment application in the merchant'"'"'s device from the merchant, purchase information payment and payment card information associated with the payment card, the payment card information comprising at least a first part of a personal account number (PAN) and purchase information;

    receiving, with a payment server, the payment card information entered in the merchant'"'"'s device from the merchant'"'"'s device;

    the receiving step triggering the payment server to;

    in the payment sever retrieving, from previously stored payment card information, at least one contact information associated with the received payment card information; and

    transmitting a request for PAN message from the payment server to the cardholder'"'"'s device, using the contact information;

    receiving, with the payment server and as responsive action to the transmitting, a second part of the PAN from the card holder'"'"'s device;

    concatenating the first and second parts of the PAN to a complete PAN in the payment server; and

    transmitting the purchase information and the complete PAN to a bank server conducting the card payment.

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