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Secure payment processing within messaging systems

A message transmission and message technology, applied in transmission systems, digital transmission systems, payment systems, etc., can solve problems such as lack of security, cumbersome operations, and anxiety

Pending Publication Date: 2018-04-03
NCR CORP
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Therefore, it is problematic to allow a messaging system to store a customer's payment method for transactions that require payment, and most customers are uncomfortable offering such a payment method for storage
Also, customers dislike offering payment methods on a per-tra

Method used

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  • Secure payment processing within messaging systems
  • Secure payment processing within messaging systems
  • Secure payment processing within messaging systems

Examples

Experimental program
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Embodiment Construction

[0033] Figure 1A is a diagram of a system for secure payment processing within a messaging system, according to an example embodiment. System 100 is shown schematically in a greatly simplified form, with only those components shown that are relevant to an understanding of one or more embodiments presented in this specification. The various components are shown and the arrangement of the components is presented for illustration purposes only. It should be noted that other arrangements are possible with more or fewer components without departing from this description and secure payment processing within the messaging system technology presented below.

[0034] Additionally, various components are described as one or more software modules that reside in non-transitory storage and / or hardware memory as executable instructions that are executed when executed by one or more The processing discussed in this specification and below is performed when executed by a hardware processor....

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PUM

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Abstract

A user is initially registered during a session with a messaging platform (402) through an out-of-band registration communication. When a user attempts to make a payment within the session or within subsequent sessions with the messaging platform (402) or subsequent sessions with different messaging platforms, the user is presented token names representing registered forms of payment within the user's session. The selected token name is mapped outside the session to specific registered payment details and the payment processing is processed on behalf of the user during the session but throughout-of-band session communications. Confirmation of payment is then sent back to the user in a session communication.

Description

technical field [0001] The present invention relates to secure payment processing within a messaging system. Background technique [0002] Individuals and businesses utilize a variety of messaging technologies to: socialize, communicate, and attend corporate events. Some of these messaging technologies include: email platforms, text platforms, instant messaging platforms, browser-based platforms, and various social media platforms. Each particular type of messaging platform has its own set of interfaces and features, some of which may be specific to a device type, or may work better (have more features) for a given device type. In addition, most messaging platforms include their own application programming interfaces (APIs) that permit automatic and program-based interaction with features of the messaging platform. [0003] As a result, businesses have little useful metrics on how consumers use messaging platforms to engage with businesses other than direct interactions be...

Claims

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Application Information

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IPC IPC(8): G06Q20/38G06Q20/40H04L12/58
CPCG06Q20/38215G06Q20/4014H04L51/046G06Q50/01G06Q20/16G06Q20/385G06Q20/3821G06Q20/085G06Q20/227
Inventor 帕特里克·古德·沃森约书亚·兹维·利希特尼尔·韦尔特曼布伦特·万斯·朱克
Owner NCR CORP