ENABLING PAYMENTS TO BE PROCESSED BY ONLY ONE MERCHANT

摘要

Systems and methods for enabling payments to be processed against an account identifier by only one merchant are provided. In a method, a remotely accessible server obtains an account identifier and stores the account identifier in a database in response to a consumer electing to generate an account identifier. The server receives a request originating from an acquiring entity to process a payment against the account identifier and a merchant identifier of a merchant in favor of which the payment is to be processed. The server looks up the account identifier and stores the merchant identifier in the database in association with the account identifier, linking the account identifier to the merchant. Upon subsequent payment requests against the account identifier in favor of a merchant, the server receives a merchant identifier and, if the merchant identifier matches the merchant identifier associated with the account identifier, the server allows the payment.

主权项

1. A computer-implemented method of enabling payments to be processed against an account identifier by only one merchant, the method carried out at a remotely accessible server having a processor to control the execution of instructions from a memory and comprising:
in response to a consumer electing to generate an account identifier, obtaining an account identifier and storing the account identifier in a database as an unlinked account identifier; receiving a request originating from an acquiring entity to process a payment transaction against the account identifier; receiving a merchant identifier of a merchant in favor of which the payment transaction is to be processed; looking up the account identifier in the database; storing the merchant identifier in the database in association with the account identifier so as to link the account identifier to the merchant; and upon subsequent requests originating from an acquiring entity to process a payment transaction against the account identifier: receiving a merchant identifier of a merchant in favor of which the subsequent payment transaction is to be processed; and if the merchant identifier of the merchant in favor of which the subsequent payment transaction is to be processed matches the merchant identifier associated with the account identifier, allowing the payment transaction to proceed; or if the merchant identifier of the merchant in favor of which the subsequent payment transaction is to be processed does not match the merchant identifier associated with the account identifier, declining the payment transaction.