Abstract: Embodiments described herein provide approaches for processing a payment in an electronic commerce environment. Specifically, a customer of a merchant website in the electronic commerce environment is provided a universal payment interface in response to the customer's request to pay. The universal payment interface retrieves a proprietary token from the customer. This proprietary token is a mobile device-based token that is provided by a provider associated with the mobile device. The universal payment interface requests a determination from the provider as to whether the proprietary token is valid, and the payment is verified based on the determination from the provider.
Type:
Grant
Filed:
December 2, 2015
Date of Patent:
March 2, 2021
Assignee:
TREC CORPORATION
Inventors:
Albert D'Alisa, Scott W. Frey, Frank S. Giaccio, Greg Hines, Frank Sherman