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

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: Izettle Merchant Services AB (PayPal Holdings, Inc.)
• Inventors: de Geer, Jacob, Nilsson, Magnus
• Primary Examiner(s): Marshall, Christle I
• Assistant Examiner(s): Brown, Claude J
• Application Number:
  US13/544,268
• Publication Number:
  US 20140008434A1
• Time in Patent Office: 715 Days
• Field of Search: 235/380, 705/26.1, 705/26.35, 705/26.82, 705/35, 705/39, 705/44, 705/71
• US Class Current: 235/375
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/12 Card verification
• CPC Class Codes: G07F 7/122 Online card verification
• CPC Class Codes: G07F 7/125 Offline card verification
• CPC Class Codes: G07F 7/127 in which both online and offline card verification can take place

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.

Claims

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.

2. The method according to claim 1, wherein said request for PAN message contains a web address of a secure web page on said payment server and wherein the step of submitting the second part of said PAN comprises submitting said second part of said PAN via said web page.

3. The method according to claim 2 wherein the step of submitting the second part of said PAN comprises submitting said second part of said PAN by responding to the request for PAN message.

4. The method according to claim 1, wherein the contact information is at least one phone number or one email address.

5. The method according to claim 1, further comprising:

selecting in said merchant'"'"'s device a contact information to use for communication with said cardholder'"'"'s device and transmitting information about said selection to said payment server and

wherein said request for PAN message is transmitted to said cardholder'"'"'s device, using said selected contact information.

6. The method according to claim 1 further comprising:

transmitting a receipt message and a signature request from said payment server to said merchant'"'"'s device; and

transmitting a signed receipt message to said payment server.

7. The method according to claim 1 further comprising the step of:

starting a time-limited payment session in the payment server when said purchase information and payment card information is received from said merchant'"'"'s device.

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.