Purchase system using a computing device

摘要

The invention relates to a method for purchasing a product by a consumer using a computing device. The method includes transmitting product information from a payee to the computing device, obtaining a purchase request for the product from the computing device, wherein the purchase request comprises a security identifier input by the consumer, inferring a consumer identity based on the purchase request and consumer information, authorizing the consumer to access the consumer information based on the purchase request and the consumer identity, wherein the consumer information is used to purchase the product, and generating a purchase authorization for the product and sending the purchase authorization to the payee based on the purchase request and the consumer information.

主权项

1. A method for authorizing a purchase, comprising:
receiving, from a computing device operated by a consumer, a request to access a webpage of a merchant; transmitting, in response to the request, the webpage of the merchant comprising a plurality of product information and a password field to an application executing on the computing device, wherein the webpage of the merchant comprising the plurality of product information and the password field is displayed to the consumer by the application; receiving, from the application via computer network communication over the Internet, a purchase request for a product, wherein the consumer initiates the purchase request by populating the password field in the webpage of the merchant with a password, and wherein the purchase request comprises the password; inferring, by a computer processor external to the computing device, an identity of the consumer based solely on the password in the purchase request and a device identifier used for the computer network communication over the Internet, wherein inferring the identity of the consumer comprises:
extracting, subsequent to displaying the password field to the consumer and from metadata of the computer network communication transmitting the purchase request, the device identifier of the computing device; andcomparing the password and the device identifier to pre-registered information of the consumer,wherein the consumer does not provide a username, andwherein inferring the identity of the consumer is without further user intervention of the consumer subsequent to receiving the purchase request; identifying, based on the identity of the consumer, a plurality of payment information of the consumer; and generating, by the computer processor, a purchase authorization for the product based on the purchase request and the plurality of payment information.