Method for hub and spokes pan entry and payment verification
First Claim
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.
3 Assignments
0 Petitions
Accused Products
Abstract
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. The method include entering payment card information associated with the payment card comprising at least a first part of a personal account number (PAN), and purchase information in the merchant'"'"'s device, entering a second part of the PAN in the card holder'"'"'s device and submitting the second part of the PAN to a payment server, transmitting the purchase information and payment card information to the payment server, where the PANs are concatenated to a complete PAN, and transmitting the purchase information and an updated payment card information with the complete PAN to a bank server conducting the card payment.
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Citations
8 Claims
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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:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system for conducting an electronic card payment between a merchant and a cardholder, the system comprising:
a payment server in operative communication with a merchant'"'"'s device and a cardholder'"'"'s device;
wherein the payment server executes logical instructions with a processor to;receive 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, from the merchant'"'"'s device; the receipt of the payment card information triggering the execution of logical instructions to; retrieve, from previously stored payment card information, at least one contact information associated with the received payment card information; and transmit a request for PAN message from the payment server to the cardholder'"'"'s device, using the contact information; receive, as responsive action to the transmission of the request, a second part of the PAN from the card holder'"'"'s device; concatenate the first and second parts of the PAN to a complete PAN in the payment server; and transmit the purchase information and the complete PAN to a bank server conducting the card payment.
Specification