SYSTEM AND METHOD FOR SECURING INFORMATION IN A NETWORK
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United States of America Patent
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Issued Date -
Dec 21, 2023
app pub date -
Jun 17, 2022
filing date -
Jun 17, 2022
priority date (Note) -
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Abstract
A payment management system and method of managing a payment network includes generating a payment token based on a bank account of a user (e.g., a buyer), receiving a dynamic code through a network for a transaction, and validating a request for payment of the transaction using an installment plan based on funds from the bank account. The validating the request for payment of the transaction is performed based on operations which include authenticating the payment token and verifying the dynamic code. In addition, the method includes generating a decision signal indicating a decision for the request when the request for payment is validated and transmitting the decision signal to a merchant system to authorize or decline completion of the transaction.
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