Unified identity verification
AssigneeeBay Inc.
InventorRene M. Pelegero
Life of this patent
Estimating the term…
Abstract
In some example embodiments, a system and method is shown that includes receiving a purchase request through an Electronic Payment Financial Network (EPFN), the purchase request including a token to identify a merchant server. The system and method further includes comparing the token against a merchant identifier value to determine that that token is assigned to the merchant server. Additionally, the system and method includes transmitting a purchase request authorization authorizing an online transaction, where the token and merchant identifier value are equivalent.
Claims25
A computer-implemented method comprising:
- receiving a purchase request through an Electronic Payment Financial Network (EPFN), the purchase request including a token, the token associated with an account to be used to fund an online transaction;
- determining that the token is assigned to the merchant server;
- and
- transmitting, based on the determination, a purchase request authorization authorizing the online transaction.
A computer-implemented method comprising:
- receiving a token associated with an account holder of a depository financial institution, the token to authorize payment during an online transaction;
- associating the token with the account holder to facilitate the online transaction;
- and
- storing the association between the token and the account holder.
A computer system comprising:
- a receiver to receive a purchase request through an Electronic Payment Financial Network (EPFN), the purchase request including a token, the token associated with an account to be used to fund an online transaction;
- a comparison engine to determine that the token is assigned to the merchant server;
- and
- a transmitter to transmit, based on the determination, a purchase request authorization to authorize the online transaction.
A computer system comprising:
- a receiver to receive a token associated with an account holder of a depository financial institution, the token to authorize payment during an online transaction;
- an association engine to associate the token with the account holder to facilitate the online transaction;
- and
- a data store to store the association between the token and the account holder.
A machine-readable medium comprising instructions, which when implemented by one or more machines, cause the one or more machines to perform the following operations:
- receive a purchase request through an Electronic Payment Financial Network (EPFN), the purchase request including a token, the token associated with an account to be used to fund an online transaction;
- determine that the token is assigned to the merchant server;
- and
- transmit, based on the determination, a purchase request authorization authorizing the online transaction.
Dependencies are inferred from the claim text.