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US 11,232,437 B2Granted
Transaction token issuing authorities
AssigneePaypal, Inc.
InventorKevin Laracey
Life of this patent
Estimating the term…
Abstract
Systems, methods, apparatus, processes, computer program code and means for conducting transactions are described which allow a first party to a transaction to identify a second party to a transaction.
Claims20
A method, comprising:
- receiving, by a token issuing authority and from a merchant server, a payment authorization message, the payment authorization message containing information pertaining to a transaction that involves the merchant server and a device of a customer;
- determining, by the token issuing authority and based on analyzing the payment authorization message, that a token needs to be provided to the merchant server of the device of the customer for the transaction that involves the merchant server and the device of the customer;
- providing, by the token issuing authority and in response to the determining, the token, the token containing decoded electronic information that, once decoded, is usable by the device of the customer to identify the token issuing authority;
- transmitting, by the token issuing authority, the token to the merchant server;
- after the transmitting, receiving, by the token issuing authority, the token and an authorization response message from a digital wallet issuer server;
- and
- processing, by the token issuing authority, the transaction based on the receiving of the token and the authorization response message.
4 more elements
A system, comprising:
- a non-transitory memory;
- and
- one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
- receiving, by a token issuing server and from a merchant server, a request to process a transaction that involves the merchant server and a mobile device of a consumer;
- generating, by the token issuing server and in response to the received request, a token that contains decodable information, wherein the decodable information, in response to being decoded, provides an electronic address of the token issuing server;
- transmitting, by the token issuing server, the token to the merchant server;
- receiving, after the transmitting and from a wallet issuer server, the token and an authorization code associated with the transaction;
- identifying the transaction based on at least the received token;
- and
- processing the transaction in response to the identifying.
7 more elements
A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
- generating, in response to a request received from a merchant to conduct a transaction, a token that has embedded therein an electronic address of a token issuing entity;
- creating a transaction record that contains an identifier of the merchant or an amount of the transaction;
- associating the transaction record with the token;
- transmitting the token to the merchant in a format of a machine-readable code;
- receiving, after the transmitting and from a wallet issuer server, the token and a message authorizing the transaction;
- identifying, based on the receiving, the transaction record that is associated with the token;
- and
- processing the transaction in response to the identifying.
5 more elements
Dependencies are inferred from the claim text.