US 12,462,234 B2
Processing a payment, by a secure computing system, from a payer to a payee operating a merchant computing system
Robert Evan Pollin, Rockville, MD (US); Brian Edward Downey, Jr., Alexandria, VA (US); and Sean Allen Fleming, Germantown, MD (US)
Assigned to Autoscribe Corporation, Gaithersburg, MD (US)
Filed by Autoscribe Corporation, Gaithersburg, MD (US)
Filed on Feb. 28, 2023, as Appl. No. 18/176,173.
Application 18/176,173 is a continuation of application No. 16/535,424, filed on Aug. 8, 2019, granted, now 11,620,621.
Application 16/535,424 is a continuation of application No. 15/408,185, filed on Jan. 17, 2017, granted, now 10,423,940, issued on Sep. 24, 2019.
Application 15/408,185 is a continuation of application No. 13/679,545, filed on Nov. 16, 2012, granted, now 9,576,279, issued on Feb. 21, 2017.
Claims priority of provisional application 61/698,574, filed on Sep. 8, 2012.
Claims priority of provisional application 61/655,482, filed on Jun. 5, 2012.
Prior Publication US 2023/0230055 A1, Jul. 20, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/10 (2012.01); G06Q 10/107 (2023.01); G06Q 20/12 (2012.01); G06Q 20/30 (2012.01); G06Q 20/40 (2012.01); G06Q 10/00 (2023.01)
CPC G06Q 20/10 (2013.01) [G06Q 10/107 (2013.01); G06Q 20/102 (2013.01); G06Q 20/12 (2013.01); G06Q 20/305 (2013.01); G06Q 20/40 (2013.01); G06Q 20/4014 (2013.01); G06Q 10/00 (2013.01)] 10 Claims
OG exemplary drawing
 
1. A method of processing a payment transaction from a payer to a payee, the method being performed by one or more secure servers, the method comprising:
providing, by the one or more secure servers to a merchant server providing a webpage to a payer computing system used by the payer, an application programming interface (API) that:
provides financial account registration and token retrieval functions that can be executed to process the payment transaction;
provides access to the financial account registration and token retrieval functions to the merchant server;
receives, from the merchant server via the API, at least one data element associated with the payer and a payment amount from the payer to the payee;
authenticates the payee; and
executes the financial account registration function, upon initiation by the merchant server, by:
generating a uniform resource locator (URL), for establishing an encrypted connection via the internet between the secure server and the payer computing system, the URL comprising either:
a dynamic URL generated by the secure server for the payer and the payee; or
a static URL and a hypertext transport protocol (HTTP) parameter used by the secure server to identify the payer and the payee;
establishing the encrypted connection, in response to an HTTP request for the generated URL, between the secure server and the payer computing system;
outputting instructions to the payer computing system, in response to the HTTP request for the generated URL, to render a financial account registration request form that provides functionality for the payer to provide sensitive financial account information associated with a financial account; and
outputting instructions to the payer computing system, in response to the HTTP request for the generated URL, to encrypt the sensitive financial account information provided by the payer and transmit the encrypted financial account information to the secure server, via the encrypted connection;
receiving the sensitive financial account information provided by the payer via the encrypted connection;
storing the sensitive financial account information in a secure storage location and performing each software process required to maintain compliance with one or more information security standards;
executing a token retrieval function, upon initiation by the merchant server via the API, by:
providing a non-sensitive electronic data token representing the sensitive financial account information to the merchant server; and
processing the payment transaction using the sensitive financial account information, without providing the sensitive financial account information to the merchant server and without providing the non-sensitive electronic data token to the payer, by generating and transmitting an electronic request requesting that at least a portion of the payment amount from the financial account be forwarded to the payee.