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.
Claims12
A processor-implemented payment collection method, comprising:
- prompting via a processor 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;
- sending via the processor a payment request including the payment token for payment processing;
- and
- receiving via the processor a payment confirmation based on successful authorization of payment via a payment method associated with the payment token.
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 payment for 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.
Dependencies are inferred from the claim text.