US 10,592,876 B2 · Online transactional system for processing alternative methods of electronic payment

Abstract

Online transactional processing systems, methods, and computer program products for processing an alternative method of electronic payment (AMOP) in online transactions. A mass storage memory device hosts a database that stores data for transforming one or more virtual payment forms into data that relates to one or more AMOP's. Each of the one or more virtual payment forms stored in the database is compatible with a legacy system of a merchant. In response to receiving, in relation to an online transaction with the merchant, data that relates to an AMOP, the data that relates to the AMOP is transformed to create a virtual payment form that is compatible with the legacy system of the merchant. The virtual payment form is then transmitted to the legacy system of the merchant for processing, and data for transforming the virtual payment form into data relating to the AMOP is stored in the database.

Claims20

Dependent claims

An online transactional system for processing an alternative method of electronic payment (AMOP), the online transactional system comprising:

a mass storage memory device that hosts a database;
one or more processors;
and
a memory coupled to the one or more processors, wherein the memory stores instructions that upon execution by the one or more processors cause the online transactional system to:
intercept payment information transmitted by a client system to a legacy system of a merchant in relation to an online transaction, the payment information comprising AMOP-related data that includes an AMOP token;
and
in response to intercepting the payment information:
transform the AMOP-related data to create a virtual payment form that is compatible with the legacy system using the AMOP token and non-public data external to the AMOP-related data,
transmit the virtual payment form to the legacy system for processing, and
after the virtual payment form is created, store transformation data for transforming the virtual payment form into the AMOP-related data in the database.

7 more elements

A method for processing an alternative method of electronic payment (AMOP) in an online transactional processing system, the method comprising:

intercepting payment information transmitted by a client system to a legacy system of a merchant in relation to an online transaction, the payment information comprising AMOP-related data including an AMOP token;
and
in response to intercepting the payment information:
transforming, by the one or more processors, the AMOP-related data to create a virtual payment form that is compatible with a legacy system of the merchant using the AMOP token and non-public data external to the AMOP-related data,
transmitting, by the one or more processors, the virtual payment form to the legacy system for processing, and
after the virtual payment form is created, storing, by the one or more processors, transformation data for transforming the virtual payment form into the AMOP-related data in a database hosted on a mass storage memory device.

3 more elements

Dependencies are inferred from the claim text.

Online transactional system for processing alternative methods of electronic payment

Life of this patent

Online transactional system for processing alternative methods of electronic payment

Life of this patent

Abstract

Claims20