SYSTEMS AND METHODS FOR FACILITATING SECURE TRANSACTIONS
First Claim
1. A computer-implemented method for generating proxy account data for a financial account, the method comprising:
- for a first customer, selecting a serial number by a computer system, wherein the computer system comprises at least one processor and operatively associated memory;
storing, by the computer system, an association between the serial number and an account of the first customer;
encrypting, by the computer system, the serial number;
consolidating, by the computer system, the encrypted serial number with checkable data;
storing, by the computer system, an association between the encrypted serial number and the checkable data; and
encrypting, by the computer system, the consolidated encrypted serial number and checkable data to generate proxy account data.
3 Assignments
0 Petitions
Accused Products
Abstract
Various embodiments are directed to methods for generating proxy account data for a financial account and authorizing payment from an account of a customer based on proxy account data. Example methods may comprise selecting a serial number for a first customer and storing an association between the serial number and an account of the first customer. The methods may further comprise encrypting the serial number and consolidating the encrypted serial number with checkable data. An association between the encrypted serial number and the checkable data may be stored and the consolidated encrypted serial number and checkable data may be encrypted to generate proxy account data.
258 Citations
25 Claims
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1. A computer-implemented method for generating proxy account data for a financial account, the method comprising:
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for a first customer, selecting a serial number by a computer system, wherein the computer system comprises at least one processor and operatively associated memory; storing, by the computer system, an association between the serial number and an account of the first customer; encrypting, by the computer system, the serial number; consolidating, by the computer system, the encrypted serial number with checkable data; storing, by the computer system, an association between the encrypted serial number and the checkable data; and encrypting, by the computer system, the consolidated encrypted serial number and checkable data to generate proxy account data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A system for generating proxy account data for a financial account, the system comprising at least one processor and operatively associated memory comprising instructions thereon that when executed by the at least one processor cause the system to:
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for a first customer, select a serial number by a computer system; store an association between the serial number and an account of the first customer; and encrypt the serial number; consolidate the encrypted serial number with checkable data; and store an association between the encrypted serial number and the checkable data; and encrypt the consolidated encrypted serial number and checkable data to generate proxy account data. - View Dependent Claims (17)
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18. A computer readable medium comprising instructions thereon that, when executed by at least one processor, cause the at least one processor to:
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for a first customer, select a serial number by a computer system; store an association between the serial number and an account of the first customer; and encrypt the serial number; consolidate the encrypted serial number with checkable data; and store an association between the encrypted serial number and the checkable data; and encrypt the consolidated encrypted serial number and checkable data to generate proxy account data.
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19. A computer-implemented method of authorizing payment from an account of a first customer to a vendor based on proxy account data, the method comprising:
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receiving by a computer system, proxy account data, wherein the computer system comprises at least one processor and operatively associated memory; decrypting, by the computer system, the proxy account data to generate an encrypted serial number and checkable data; verifying, by the computer system, the checkable data; decrypting, by the computer system, the encrypted serial number; verifying, by the computer system, an association between the serial number and the account of the first customer; conditioned upon the association between the serial number and the account being verified, authorizing a payment from the account of the first customer to the vendor. - View Dependent Claims (20, 21, 22)
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23. A system for generating proxy account data for a financial account, the system comprising at least one processor and operatively associated memory comprising instructions thereon that when executed by the at least one processor cause the system to:
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receive proxy account data, wherein the computer system comprises at least one processor and operatively associated memory; decrypt the proxy account data to generate an encrypted serial number and checkable data; verify the checkable data; decrypt the encrypted serial number; verify an association between the serial number and the account of the first customer; and conditioned upon the association between the serial number and the account being verified, authorize a payment from the account of the first customer to the vendor. - View Dependent Claims (24)
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25. A computer readable medium comprising instructions thereon that, when executed by at least one processor, cause the at least one processor to:
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receive proxy account data, wherein the computer system comprises at least one processor and operatively associated memory; decrypt the proxy account data to generate an encrypted serial number and checkable data; verify the checkable data; decrypt the encrypted serial number; verify an association between the serial number and the account of the first customer; and conditioned upon the association between the serial number and the account being verified, authorize a payment from the account of the first customer to the vendor.
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Specification