System and methods for a multi-channel payment platform
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United States of America Patent
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Apr 2, 2013
Grant Date -
Feb 25, 2010
app pub date -
Aug 25, 2008
filing date -
Aug 25, 2008
priority date (Note) -
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status (Latency Note)
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Abstract
The platform executes secure payment transactions between customers and registered merchants by using remote terminals. When the user authorizes his/her payment data (e.g. using a credit card) to be permanently stored in the central system, it is possible to extend payment functionality to other remote devices (e.g. a mobile phone, a cable-TV, a touch-tone telephone . . . etc). By remotely placing the payment functionality on the central system, payment data are never managed by the merchant or by the user. The system comprises a central computer information system and a number of remote terminals used for executing payment requests. When receiving a payment request, the platform recognizes the user, retrieves from its database his method of payment, the merchant account number and conducts the real payment transaction interacting with external financial institutions.
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