Systems, Methods, and Computer Program Products for Using Proxy Accounts
AssigneeeBay Inc.
InventorJohn Patrick Edgar Tobin
Life of this patent
Estimating the term…
Abstract
An electronic device including an input/output interface operable to receive an input from a user and communicate an output to the user, a transceiver operable to electronically communicate with a computer network, a computer processor operable to execute instructions, and a memory storage operable to store the instructions, the memory storage further comprising a program module that is operable to: receive credentials for a proxy payment account, where the proxy payment account is linked to a primary payment account and not linked directly to a method of payment underlying the primary payment account, and make payment at a Point of Sale (POS) using the received credentials.
Claims20
An electronic device, comprising:
- a transceiver configured to electronically communicate with a computer network;
- a computer processor coupled to the transceiver and configured to execute instructions;
- and
- a memory storage storing the instructions which, when executed by the processor, cause the electronic device to:
- initiate a transaction at a Point of Sale (POS) device of a merchant and receive, from the POS device as part of the transaction, a transaction amount;
- request credentials for a proxy payment account authorized for the transaction amount, the proxy payment account being linked to a primary payment account while not being linked directly to a method of payment underlying the primary payment account;
- receive the requested credentials for the proxy payment account over the computer network during the transaction;
- and
- conduct a payment at the POS using the received credentials during the transaction.
A method, comprising:
- receiving, at a processing server, a request for one or more credentials for a proxy payment account from an electronic device, the request comprising a transaction amount for a transaction initiated at a Point of Sale (POS);
- generating, by the processing server, a proxy payment account authorized for the transaction amount, the proxy payment account being linked to a primary payment account while not being linked directly to a method of payment underlying the primary payment account;
- and
- transmitting, from the processing server, the requested credentials for the proxy payment account to the electronic device during the transaction.
A processing server, comprising:
- a communication interface configured to electronically communicate with an electronic device via a communication link;
- a computer processor coupled to the communication interface and configured to execute instructions;
- and
- a memory storage storing the instructions which, when executed by the processor, cause the processing server to:
- receive a request for a credential for a proxy payment account from the electronic device, the request comprising a transaction amount for a transaction initiated at a Point of Sale (POS);
- generate a proxy payment account authorized for the transaction amount, the proxy payment account being linked to a primary payment account while not being linked directly to a method of payment underlying the primary payment account;
- and
- transmit the requested credential for the proxy payment account to the electronic device during the transaction.
Dependencies are inferred from the claim text.