Systems and methods for secure and transparent cardless transactions
OwnerMark Carlson, Surendra Keshan +1inventors
InventorsMark Carlson, Surendra Keshan, Patrick Faith
Life of this patent
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Abstract
Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a non-merchant, thereby allowing no new entities to obtain the payment information. Transaction identifiers can be used to facilitate communications among the entities. The payment information can be sent to the non-merchant via a merchant application with a submit payment button directed to the non-merchant so little or no deviations from standard practices are required.
Claims21
-19. (canceled)
A method of conducting a transaction, the method comprising:
- receiving, by a server computer and from an access device, a payment identifier, wherein the access device interacts with a merchant server;
- creating, by the server computer, an artificial PAN;
- transmitting, by the server computer, the artificial PAN to the merchant server;
- receiving an authorization request message from the merchant server comprising the artificial PAN;
- determining an account identifier from the artificial PAN;
- forwarding the authorization request message comprising the account identifier to an issuer of the account identifier;
- receiving an authorization response message from the issuer;
- and
- forwarding the authorization response message to the merchant server.
A system for conducting a transaction, the system comprising:
- a server comprising one or more processors and one or more memory devices containing instructions for directing the one or more processors to:
- receive, from an access device, a payment identifier, wherein the access device interacts with a merchant server;
- create an artificial PAN;
- transmit the artificial PAN to the merchant server;
- receive an authorization request message from the merchant server comprising the artificial PAN;
- determine an account identifier from the artificial PAN;
- forward the authorization request message comprising the account identifier to an issuer of the account identifier;
- receive an authorization response message from the issuer;
- and
- forward the authorization response message to the merchant server.
Dependencies are inferred from the claim text.