AUTHORIZING PAYMENTS USING PRE-REGISTERED CUSTOMER TOKENS
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United States of America Patent
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Issued Date -
Jan 23, 2025
app pub date -
Jul 17, 2023
filing date -
Jul 17, 2023
priority date (Note) -
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Abstract
A method, computer program product, and system are described. The method comprises receiving payment information, receiving a communication from an electronic device of a user, wherein the communication comprises a token that corresponds to the combination of the user and the electronic device. The method further comprises transmitting, to a payment processor of a payment network, the token and an identifier of the electronic device that is derived from the communication. The method further comprises receiving, from the payment network, a payment authorization that indicates that the token and the identifier of the electronic device were previously registered with an issuer corresponding to the payment information.
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