Payment processing with two-portion tokens at a point-of-service
US10860998B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Sep 24, 2018 |
| Grant date | Dec 8, 2020 |
| Priority date | — |
| Expiry date | Jan 24, 2039 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG07G1/0045
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Payment processing is described that uses two-portion tokens at a point-of-service. In one example, a service-provider computer receives a request to stage an order for a merchant computer from a customer mobile device. The service-provider computer generates a token having (1) a first portion encoded in the token representing first information not specific to the order including a designation of an overall fee to be provided by a customer including a payment to the merchant computer for the order and a portion of the overall fee to be provided to a point-of-service and (2) a second portion encoded in the token representing second information specific to the order. The token is transmitted to the mobile for display and payment at a point-of-service. The point-of-service confirms receipt of payment and of the token.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.