Payment by use of identifier
US11348083B1 · kind B1 · utility
Assignee
Inventors
Key dates
| Filing date | Aug 11, 2017 |
| Grant date | May 31, 2022 |
| Priority date | — |
| Expiry date | Feb 28, 2038 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/42
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Described is a technology that enables a customer, who uses a payment card in a transaction and further provides an identifier in the same transaction, to use the identifier as a payment mechanism in all future transactions. In some embodiments, the technology involves communication between a customer's user device, a payment service system (PSS), and one or more merchant POS systems. A merchant POS system collects information in a transaction conducted between the merchant POS system and the customer, including, among others, the customer's contact information (e.g., telephone number), and forwards this information to the PSS. The PSS stores the information as an identifier, where the identifier is stored in association with the card used in the transaction. In a second transaction, the PSS sends a verification request to the user device based on the identifier (e.g., a text message), and processes the transaction only upon confirmation from the customer.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.