System and method using merchant token
AssigneeVisa International Service Association
InventorJohn Sheets
Life of this patent
Estimating the term…
Abstract
A merchant computer generates a token including a “pay-me” merchant account identifier and transaction data for a transaction conducted by a consumer. The merchant token can be obtained by a mobile communication device and transmitted to a payment processing network along with a device identifier for the mobile communication device and an authentication token provided by the consumer. The payment processing network can authenticate the device using the authentication token, retrieve a consumer account number based on the device identifier, and complete the transaction by pushing money into the merchant “pay-me” account from the consumer account.
Claims16
A method comprising:
- receiving, by a mobile communication device, a merchant token from an access device for a transaction, wherein the merchant token comprises a merchant account identifier and transaction data;
- receiving, by the mobile communication device, an authentication token from a consumer operating the mobile communication device;
- generating, by the mobile communication device, a transaction request message comprising the merchant token and the authentication token;
- sending, by the mobile communication device, the transaction request message to a server computer;
- and
- receiving a confirmation message that the transaction has been processed.
A mobile communication device comprising:
- a processor;
- and
- a computer readable medium comprising code, executable by the processor, for implementing a method comprising:
- receiving, by the mobile communication device, a merchant token from an access device for a transaction, wherein the merchant token comprises a merchant account identifier, and transaction data;
- receiving, by the mobile communication device, an authentication token from a consumer operating the mobile communication device;
- generating, by the mobile communication device, a transaction request message comprising the merchant token and the authentication token;
- sending, by the mobile communication device, the transaction request message to a server computer;
- and
- receiving a confirmation message that the transaction has been processed.
A method comprising:
- receiving, by a server computer, a transaction request message comprising a merchant token comprising a merchant account identifier, transaction data comprising a transaction amount, and a mobile communication device identifier or a consumer account identifier;
- generating, by the server computer, an authorization request message comprising the transaction amount and the consumer account identifier;
- sending, by the server computer, the authorization request message comprising the consumer account identifier to an issuer computer operated by an issuer that issued the consumer account identifier;
- receiving, by the server computer, an authorization response message from the issuer computer comprising the consumer account identifier;
- replacing, by the server computer, the consumer account identifier with the merchant account identifier to create a modified authorization response message;
- and
- sending, by the server computer, the modified authorization response message to the merchant.
A server computer comprising a processor and a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor to implement a method comprising:
- receiving a transaction request message comprising a merchant token comprising a merchant account identifier, transaction data comprising a transaction amount, and a mobile communication device identifier or a consumer account identifier;
- generating an authorization request message comprising the transaction amount and the consumer account identifier;
- sending the authorization request message comprising the consumer account identifier to an issuer computer operated by an issuer that issued the consumer account identifier;
- receiving an authorization response message from the issuer computer comprising the consumer account identifier;
- replacing the consumer account identifier with the merchant account identifier to create a modified authorization response message;
- and
- sending the modified authorization response message to the merchant.
Dependencies are inferred from the claim text.