Method and system to facilitate securely processing a payment for an online transaction

US9542671B2 · kind B2 · utility

Assignee

• PAYPAL, INC. · US

Inventors

• Alan Tien · Los Gatos, US
• Peter Chu · Mountain View, US
• Ray Tanaka · Palo Alto, US
• Steve S. Chen · San Jose, US

Key dates

• Filing date: May 12, 2004
• Grant date: Jan 10, 2017
• Expiry date: Jan 27, 2027

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/06
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A computer-implemented method, to facilitate processing a payment for an online transaction, includes, responsive to receiving secure transaction data from a merchant server, using a payment processor to generate a transaction data identifier to identify the transaction data. The payment processor communicates the transaction data identifier to the merchant server. In response to receiving a request to process a payment, including the transaction data identifier, the payment processor requests user credentials from a user. Upon receiving user credentials from the user, the payment processor verifies the user credentials. The payment processor processes the payment and generates a payment identifier to identify payment data associated with the payment. The payment processor communicates the payment identifier to the merchant server. Upon receiving a request for payment data, including the payment identifier, over a secure communication channel from the merchant server, the payment processor communicates the payment data to the merchant server.