SECURE PAYMENT INSTRUCTION SYSTEM

• US 20130054459A1
• Filed: 08/26/2011
• Published: 02/28/2013
• Est. Priority Date: 08/26/2011
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: Granbery, John Hastings
• Granted Patent: US 9,508,072 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction

Abstract

A method for providing secure payment instructions includes verifying a payer device for use in a transaction with a payee device. When a request is received from the payee device for payer information associated with a payment account being used by the payer device in the transaction, a security font is generated and associating in a database at least one payer information font character with payer information that is associated with the payer account. The at least one payer information font character is then provided to the payee device, and when a request for the security font is received and determined to be from the verified payer device, the security font is provided to the verified payer device such that the at least one payer information font character may be converted to the payer information for display on the payer device.

Claims

1. A method for providing secure payment instructions, comprising:

verifying a payer device for use in a transaction with a payee device over a network;

receiving a request from the payee device over the network for payer information associated with a payment account being used by the payer device in the transaction;

generating a security font and associating in a database at least one payer information font character with payer information that is associated with the payer account;

providing the at least one payer information font character to the payee device over the network; and

receiving a request for the security font over the network and, in response to determining the request is from the verified payer device, providing the security font to the verified payer device over the network such that the at least one payer information font character may be converted to the payer information for display on the payer device.

2. The method of claim 1, wherein the verifying the payer device includes receiving payer credentials.

3. The method of claim 1, wherein the verifying the payer device includes detecting a cookie on the payer device.

4. The method of claim 1, wherein the security font is associated with a Uniform Resource Location (URL) that is directed to a payment service provider device.

5. The method of claim 1, further comprising:

receiving a selection of the at least one payer information font character over the network; and

processing a payment using the payer information that is associated with the at least one payer information font character that was selected.

6. The method of claim 5, further comprising:

associating in a database a plurality of payment confirmation font characters with a plurality of payment confirmation section areas, wherein one of the payment confirmation font characters includes a pay button;

providing the plurality of payment confirmation font characters to the payee device over the network; and

receiving a request for the security font over the network and, in response to determining the request is from the verified payer device, providing the security font to the verified payer device over the network such that the plurality of payment confirmation font characters may be converted to a payment confirmation section for display on the payer device.

7. The method of claim 6, further comprising:

receiving a selection of one of the plurality of payment confirmation font characters over the network; and

processing the payment in response to determining that the selected one of the plurality of payment confirmation font characters is the pay button.

8. A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which, when executed by one or more processors, are adapted to cause the one or more processors to perform a method comprising:

verifying a payer device for use in a transaction with a payee device over a network;

receiving a request from the payee device over the network for payer information associated with a payment account being used by the payer device in the transaction;

generating a security font and associating in a database at least one payer information font character with payer information that is associated with the payer account;

providing the at least one payer information font character to the payee device over the network; and

receiving a request for the security font over the network and, in response to determining the request is from the verified payer device, providing the security font to the verified payer device over the network such that the at least one payer information font character may be converted to the payer information for display on the payer device.

9. The non-transitory machine-readable medium of claim 8, wherein the verifying the payer device includes receiving payer credentials.

10. The non-transitory machine-readable medium of claim 8, wherein the verifying the payer device includes detecting a cookie on the payer device.

11. The non-transitory machine-readable medium of claim 8, wherein the security font is associated with a Uniform Resource Location (URL) that is directed to a payment service provider device.

12. The non-transitory machine-readable medium of claim 8, wherein the method further comprises:

receiving a selection of the at least one payer information font character over the network; and

processing a payment using the payer information that is associated with the at least one payer information font character that was selected.

13. The non-transitory machine-readable medium of claim 12, wherein the method further comprises:

associating in a database a plurality of payment confirmation font characters with a plurality of payment confirmation section areas, wherein one of the payment confirmation font characters includes a pay button;

providing the plurality of payment confirmation font characters to the payee device over the network; and

receiving a request for the security font over the network and, in response to determining the request is from the verified payer device, providing the security font to the verified payer device over the network such that the plurality of payment confirmation font characters may be converted to a payment confirmation section for display on the payer device.

14. The non-transitory machine-readable medium of claim 13, wherein the method further comprises:

receiving a selection of one of the plurality of payment confirmation font characters over the network; and

processing the payment in response to determining that the selected one of the plurality of payment confirmation font characters is the pay button.

15. A secure payment instruction system, comprising:

means for verifying a payer in a transaction with a payee;

means for receiving a request from the payee for payer information associated with a payment account being used by the payer in the transaction;

means for generating a security font and associating at least one payer information font character with payer information that is associated with the payer account;

means for providing the at least one payer information font character to the payee; and

means for receiving a request for the security font and, in response to determining the request is from the verified payer, providing the security font to the verified payer such that the at least one payer information font character may be converted to the payer information for display to the payer.

16. The system of claim 15, wherein the verifying the payer includes one of receiving payer credentials and detecting a cookie on a payer device.

17. The system of claim 15, wherein the security font is associated with a Uniform Resource Location (URL) that is directed to a payment service provider device.

18. The system of claim 15, further comprising:

means for receiving a selection of the at least one payer information font character; and

means for processing a payment using the payer information that is associated with the at least one payer information font character that was selected.

19. The system of claim 18, further comprising:

means for associating a plurality of payment confirmation font characters with a plurality of payment confirmation section areas, wherein one of the payment confirmation font characters includes a pay button;

providing the plurality of payment confirmation font characters to the payee; and

receiving a request for the security font and, in response to determining the request is from the verified payer, providing the security font to the verified payer such that the plurality of payment confirmation font characters may be converted to a payment confirmation section for display to the payer.

20. The system of claim 19, further comprising:

means for receiving a selection of one of the plurality of payment confirmation font characters; and

means for processing the payment in response to determining that the selected one of the plurality of payment confirmation font characters is the pay button.