Method and system for managing data and enabling payment transactions between multiple entities
OwnerPatrick Faith, Mark Carlson +1inventors
InventorsPatrick Faith, Mark Carlson, Theodore D. Harris
Life of this patent
Estimating the term…
Abstract
A system for conducting payment transaction includes a network-enabled server that communicates with one or more user devices, other network-enabled server computers, and a payment processing network server computer. The network-enabled server facilitates transactions between one or more merchants and users by a managing data flow and interactions between the merchants and the users, providing storage area for storing of all transaction related documents, and providing seamless integration with a payment processing network for payment processing.
Claims21
1-20. (canceled)
A server computer comprising:
- a processor;
- and
- a memory coupled to the processor, the memory comprising instructions executable by the processor to:
- receive, from a first computer associated with a first entity, a request to authorize payment of a transaction corresponding to a service provided by the entity to a user;
- send, to the first computer, a request for additional information associated with the transaction corresponding to the service;
- in response to receiving the additional information, send, to a second computer associated with a second entity, the additional information to validate the transaction using the additional information;
- receive, from the second computer, a response indicating validation of the transaction using the additional information;
- send, to a device, a request to validate the payment request;
- receive, from the device, a response to the request to validate the payment request;
- and
- send, to a computer of a payment processing network, payment account information of the user to process the payment of the transaction using the payment account information.
A method comprising:
- receiving, from a first computer associated with a first entity, a request to authorize payment of a transaction corresponding to a service provided by the entity to a user;
- sending, to the first computer, a request for additional information associated with the transaction corresponding to the service;
- in response to receiving the additional information, sending, to a second computer associated with a second entity, the additional information to validate the transaction using the additional information;
- receiving, from the second computer, a response indicating validation of the transaction using the additional information;
- sending, to a device, a request to validate the payment request;
- receiving, from the device, a response to the request to validate the payment request;
- and
- sending, to a computer of a payment processing network, payment account information of the user to process the payment of the transaction using the payment account information.
A system comprising:
- a processor;
- and
- a memory coupled to the processor, the memory comprising instructions executable by the processor to:
- receive first location information indicating that a location of a device satisfies a threshold distance from a location of an entity;
- determine payment account information for a user associated with the device;
- send, to an issuer, a request to preauthorize payment to the entity for a good or a service, wherein the request includes the payment account information, and wherein the payment to the entity is preauthorized using the payment account information;
- receive, from the issuer, a response indicating that the payment to the entity for the good or the service is preauthorized;
- receive second location information indicating that the location of the device corresponds to the location of the entity;
- and
- send, to a computer of the entity, a message indicating that the payment for the good or the service is preauthorized, wherein the good or the service is provided to the user based on preauthorization of the payment for the good or the service.
Dependencies are inferred from the claim text.