Performing transactions using virtual card values

A cardless payment server, comprising:

• one or more computer processors configured to:
• receive, from a web browser associated with a client device, a payment request associated with a transaction and a merchant server, wherein the payment request includes a transaction amount corresponding to the transaction;
• generate a virtual card value that is unique to the transaction between the client device and a website associated with the merchant server;
• send a storing request to a card management server for the card management server to store the virtual card value and the transaction amount;
• generate a merchant-related locator that includes the virtual card value and identifying information associated with the merchant server;
• send the merchant-related locator to the client device, wherein the merchant-related locator comprises at least the virtual card value, the transaction amount, and a signature associated with the merchant server, wherein the signature associated with the merchant server comprises encrypted data, wherein the merchant-related locator is used to cause the web browser associated with the client device to send to the merchant server a request that includes the virtual card value, the transaction amount, and the signature, wherein the request is used by the merchant server to:
• authenticate a source that generated the merchant-related locator by decrypting the signature associated with the merchant server using a locally stored key;
• and
• send a pre-authorization request to the card management server to cause the card management server to complete the transaction including by storing data indicating an authorization of a charge determined based at least in part on the transaction amount on the virtual card value;
• and
• receive, from the card management server, a request to transfer the transaction amount corresponding to the transaction identified by the virtual card value from a user account at a payment platform associated with the cardless payment server to a funds account associated with the merchant server;
• and
• one or more memories coupled to the one or more computer processors and configured to provide the one or more computer processors with instructions.

A method, comprising:

• receiving, from a web browser associated with a client device, a payment request associated with a transaction and a merchant server, wherein the payment request includes a transaction amount corresponding to the transaction;
• generating a virtual card value that is unique to the transaction between the client device and a website associated with the merchant server;
• sending a storing request to a card management server for the card management server to store the virtual card value and the transaction amount;
• generating a merchant-related locator that includes the virtual card value and identifying information associated with the merchant server;
• sending the merchant-related locator to the client device, wherein the merchant-related locator comprises at least the virtual card value, the transaction amount, and a signature associated with the merchant server, wherein the signature associated with the merchant server comprises encrypted data, wherein the merchant-related locator is used to cause the web browser associated with the client device to send to the merchant server a request that includes the virtual card value, the transaction amount, and the signature, wherein the request is used by the merchant server to:
• authenticate a source that generated the merchant-related locator by decrypting the signature associated with the merchant server using a locally stored key;
• and
• send a pre-authorization request to the card management server to cause the card management server to complete the transaction including by storing data indicating an authorization of a charge determined based at least in part on the transaction amount on the virtual card value;
• and
• receiving, from the card management server, a request to transfer the transaction amount corresponding to the transaction identified by the virtual card value from a user account at a payment platform associated with a cardless payment server to a funds account associated with the merchant server.

A merchant server, comprising:

• one or more computer processors configured to:
• receive a payment request associated with a transaction from a web browser associated with a client device, wherein the payment request includes a transaction amount associated with the transaction;
• generate a cardless payment-related locator based at least in part on the payment request, wherein the cardless payment-related locator includes parameter values that are specific to the transaction;
• send the cardless payment-related locator to the client device, wherein the cardless payment-related locator is used to redirect the web browser associated with the client device to a cardless payment server, wherein the cardless payment server is configured to generate a virtual card value used to complete the transaction with a card management server, wherein the virtual card value is unique to the transaction between the client device and a website associated with the merchant server;
• receive an indication from the client device that the virtual card value and the transaction amount have been successfully stored by the card management server, wherein the indication from the client device is generated based at least in part on a merchant-related locator generated by the cardless payment server, wherein the indication comprises the virtual card value, the transaction amount, and a signature associated with the merchant server, wherein the signature associated with the merchant server comprises encrypted data, wherein the merchant-related locator is configured to cause the web browser associated with the client device to send the indication;
• in response to the indication:
• authenticate a source that generated the merchant-related locator by decrypting the signature associated with the merchant server using a locally stored key;
• and
• send a pre-authorization request to the card management server to cause the card management server to complete the transaction including by storing data indicating an authorization of a charge determined based at least in part on the transaction amount on the virtual card value;
• and
• receive a pre-authorization confirmation associated with the transaction from the card management server;
• and
• one or more memories coupled to the one or more computer processors and configured to provide the one or more computer processors with instructions.

A card management server, comprising:

• one or more computer processors configured to:
• receive a storing request associated with a transaction from a cardless payment server, wherein the storing request includes a virtual card value and a transaction amount corresponding to the transaction, wherein the virtual card value is unique to the transaction between a client device and a website associated with a merchant server;
• store the virtual card value and the transaction amount;
• send a first indication that the virtual card value and the transaction amount have been successfully stored to the cardless payment server, wherein in response to the first indication, the cardless payment server is configured to generate and send a merchant-related locator to a web browser associated with the client device, wherein the merchant-related locator is used to cause the web browser associated with the client device to send to the merchant server a second indication that includes the virtual card value, the transaction amount, and a signature associated with the merchant server, wherein the signature associated with the merchant server comprises encrypted data, wherein the merchant server is configured to:
• authenticate a source that generated the merchant-related locator by decrypting the signature associated with the merchant server using a locally stored key;
• and
• send a pre-authorization request to the card management server in response to receiving the second indication, wherein the merchant-related locator comprises the virtual card value and the transaction amount;
• receive the pre-authorization request from the merchant server, wherein the pre-authorization request includes the virtual card value and the transaction amount;
• in response to the pre-authorization request, store data indicating an authorization of a charge determined based at least in part on the transaction amount on the virtual card value;
• and
• send a pre-authorization confirmation to the merchant server;
• and
• one or more memories coupled to the one or more computer processors and configured to provide the one or more computer processors with instructions.