Vault platform methods, apparatuses and media
AssigneeMerchantwarehouse.com, LLC
InventorsMarc Castrechini, Markiyan Malko, Henry Helgeson
Life of this patent
Estimating the term…
Abstract
A payment token request may be obtained from a customer's smartphone. A payment token associated with the customer's account may be generated and sent to the customer's smartphone. A payment request including the payment token may be obtained from a consumer engagement device (CED). Payment information associated with the customer's account may be retrieved based on the payment token. Payment for the payment request may be authorized and a payment confirmation may be sent to the CED.
Claims17
A processor-implemented payment collection method, comprising:
- prompting, via a processor (e.g., a processor of a mobile computing device, e.g., a smartphone), a customer to provide payment information for a purchase request;
- obtaining, via the processor, a payment token associated with the purchase request from the customer;
- and
- displaying, via the processor, the payment token to a customer engagement device for payment processing and/or purchase fulfillment.
A processor-implemented payment collection method, comprising:
- obtaining, via a processor, a payment token request from a customer's client;
- generating, via the processor, a payment token associated with the customer's account;
- sending, via the processor, the payment token to the customer's client;
- obtaining, via the processor, a payment request including the payment token from a consumer engagement device;
- retrieving, via the processor, payment information associated with the customer's account based on the payment token;
- authorizing, via the processor, the payment request using the retrieved payment information;
- and
- sending, via the processor, a payment confirmation to the consumer engagement device based on the authorization.
A customer engagement device, comprising:
- a payment interface for capturing a visual data;
- a processor;
- and
- a memory having stored thereon:
- a set of instructions, wherein the instructions, when executed by the processor, cause the processor to:
- receive (e.g., scan, detect, read), by the processor, a payment token output displayed by a computing device associated with a consumer, wherein the payment token output is represented as coded visual data;
- transmit, by the processor, a payment request associated with the payment token output to a payment system (e.g., a remote payment system);
- receive, by the processor, an indicator of an approved payment or a denied payment from the payment system;
- and
- process the payment request using the received indicator.
Dependencies are inferred from the claim text.