Secure intermediation system and method
First Claim
1. A payment number intermediation method performed by an intermediary positioned along a communication path between a client and a server, comprising:
- receiving a payment message from the client;
detecting an account number in the payment message after receiving the payment message;
after detecting the account number, sending a request for a limited-use payment number associated with an account identified by the account number, wherein the request identifies at least one payment limitation selected from the group consisting of i) an identity of a payee, ii) a payment amount, and iii) a time limitation;
receiving a limited-use payment number, wherein use of the limited-use payment number is subject at least to the identified payment limitation;
replacing the account number with a limited-use payment number to create a modified message; and
sending the modified message along the communication path to the server.
6 Assignments
0 Petitions
Accused Products
Abstract
In an intermediation system, an intermediary is positioned along a communications path between a client and a server. The client sends a payment message over the communications path to consummate a payment. The intermediary receives the payment message and detects whether the message includes an account number, such as a credit card number. The intermediary replaces the account number with a limited-use payment number, such as a one-time-use credit card number. The intermediary may request the limited-use payment number from a credit card issuer. The intermediary may send a verification message to the client to verify that the client approves of the replacement of the account number with a limited-use payment number.
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Citations
15 Claims
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1. A payment number intermediation method performed by an intermediary positioned along a communication path between a client and a server, comprising:
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receiving a payment message from the client; detecting an account number in the payment message after receiving the payment message; after detecting the account number, sending a request for a limited-use payment number associated with an account identified by the account number, wherein the request identifies at least one payment limitation selected from the group consisting of i) an identity of a payee, ii) a payment amount, and iii) a time limitation; receiving a limited-use payment number, wherein use of the limited-use payment number is subject at least to the identified payment limitation; replacing the account number with a limited-use payment number to create a modified message; and sending the modified message along the communication path to the server. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A payment number intermediation system, comprising:
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a network interface; a processor; and data storage, wherein the data storage stores instructions executable by the processor (i) to receive a payment message from a client over the network interface;
(ii) to identify a credit card number in the payment message;
(iii) to replace the credit card number with a one-time use credit card number to create a modified message; and
(iv) to send the modified message to a server over the network interface.
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14. A payment number intermediation method performed by an intermediary positioned along a communication path between a client and a server, comprising:
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receiving a payment message from the client; after receiving the payment message, detecting a credit card account number in the payment message; after detecting the credit card account number, replacing the credit card number with a one-time use credit card number to create a modified message; and sending the modified message along the communication path to the server. - View Dependent Claims (15)
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Specification