The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Apr. 22, 2014

Filed:

Apr. 01, 2009
Applicants:

Westley Stringfellow, London, GB;

Peter Winfield-chislett, Reading, GB;

Itamar Lesuisse, London, GB;

Raymond Tamblyn, London, GB;

Verónica Casabonne, London, GB;

Inventors:

Westley Stringfellow, London, GB;

Peter Winfield-Chislett, Reading, GB;

Itamar Lesuisse, London, GB;

Raymond Tamblyn, London, GB;

Verónica Casabonne, London, GB;

Assignee:

Visa Europe Limited, London, GB;

Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G07B 17/00 (2006.01); G06Q 40/00 (2012.01); G06Q 20/00 (2012.01); G06Q 40/02 (2012.01); G06Q 20/10 (2012.01); G06Q 20/20 (2012.01);
U.S. Cl.
CPC ...
G06Q 40/02 (2013.01); G06Q 20/10 (2013.01); G06Q 40/00 (2013.01); G06Q 20/204 (2013.01);
Abstract

Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network on behalf of online merchants. The payment authorization requests are conducted as a result of orders by financial instrument holders via a plurality of different online merchant systems, each of said online merchants having an online merchant identity. The method is conducted by a trusted central intermediary system which is configured to transmit payment authorization requests to each of a plurality of different online merchant Internet Payment Service Provider (IPSP) systems. In some embodiments, a user may select a payment method on a per transaction basis, while removing the requirement for the user to provide payment details to individual online merchant systems or to their merchant IPSP systems by having the user submit their respective payment details to a separate, trusted entity.


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