Processing online transactions with an intermediary system
AssigneeWells Fargo Bank, N.A.
InventorJoon Maeng
Life of this patent
Estimating the term…
Abstract
A method may comprise: receiving, from a merchant server, an application programming interface (API) call including an authorization request for payment and a mobile wallet identification; querying a database with the mobile wallet identification to determine a logical location of a mobile wallet associated with the mobile wallet identification; transmitting, based on the determination, a request for a payment source for the payment to the mobile wallet; receiving, from the mobile wallet, an identification of a payment source; and forwarding the identification of the payment source to the merchant server.
Claims15
A method comprising:
- receiving, from a merchant server, an application programming interface (API) call including an authorization request for payment when the merchant server receives a transaction request and a mobile wallet identification stored at the merchant server prior to receiving the transaction request;
- querying a database with the mobile wallet identification to determine a logical location of a mobile wallet associated with the mobile wallet identification;
- transmitting, based on the determination, a request for a payment source for the payment to the mobile wallet;
- receiving, from the mobile wallet, an identification of a payment source;
- forwarding the identification of the payment source to the merchant server;
- receiving confirmation from the merchant server that the payment was successful;
- and
- in response to the confirmation, transmitting a notification to the mobile wallet of the confirmation.
A non-transitory computer-readable medium, comprising instructions, which when executed by at least one processor, configure the at least one processor to perform operations comprising:
- receiving, from a merchant server, an application programming interface (API) call including an authorization request for payment when the merchant server receives a transaction request and a mobile wallet identification stored at the merchant server prior to receiving the transaction request;
- querying a database with the mobile wallet identification to determine a logical location of a mobile wallet associated with the mobile wallet identification;
- transmitting, based on the determination, a request for a payment source for the payment to the mobile wallet;
- receiving, from the mobile wallet, an identification of a payment source;
- forwarding the identification of the payment source to the merchant server;
- receiving confirmation from the merchant server that the payment was successful;
- and
- in response to the confirmation, transmitting a notification to the mobile wallet of the confirmation.
A system comprising:
- at least one processor;
- and
- at least one storage device comprising instructions, which when executed by the at least one processor, configure to at least one processor to:
- perform operations comprising:
- receiving, from a merchant server, an application programming interface (API) call including an authorization request for payment when the merchant server receives a transaction request and a mobile wallet identification stored at the merchant server prior to receiving the transaction request;
- querying a database with the mobile wallet identification to determine a logical location of a mobile wallet associated with the mobile wallet identification;
- transmitting, based on the determination, a request for a payment source for the payment to the mobile wallet;
- receiving, from the mobile wallet, an identification of a payment source;
- forwarding the identification of the payment source to the merchant server;
- receiving confirmation from the merchant server that the payment was successful;
- and
- in response to the confirmation, transmitting a notification to the mobile wallet of the confirmation.
Dependencies are inferred from the claim text.