VERIFIED PURCHASING BY PUSH NOTIFICATION

摘要

Disclosed are a system and a method for purchasing items from a merchant system using a single verification action. A user initiates a purchase transaction from a user interface of the merchant system by submitting a communication identifier in lieu of payment information or login credentials. The merchant system then generates a payment request including the communication identifier and sends the request to a payment service system. The payment service system uses the communication identifier to identify a verification device and send a push notification to the verification device to request the user to confirm or cancel the purchase transaction. Upon receiving confirmation from the user, the payment service system initiates a transfer of a payment amount associated with the purchase transaction from a financial account associated communication identifier to a financial account associated with the merchant system to pay for the purchase transaction.

主权项

1. A method performed by a payment service system for processing an online purchase transaction between a user and a third-party merchant system, comprising:
receiving, by the payment service system, a payment request from the third-party merchant system, the payment request including a communication identifier, wherein the communication identifier is submitted, in lieu of login credentials or payment information, by the user, using a computing device associated with the user, to the third-party merchant system to complete a checkout process for the online purchase transaction via the computing device; determining, by the payment service system, whether the communication identifier is associated with a payment card by accessing a datastore coupled to the payment service system; after a determination that the communication identifier is not associated with the payment card, transmitting, by the payment service system, a first notification to a mobile device associated with the user using the communication identifier, the first notification configured to prompt the user to associate the payment card with the communication identifier to process the payment request; and after a determination that the communication identifier is associated with the payment card,
identifying, by the payment service system, a verification device associated with the communication identifier, wherein the verification device is separate from the computing device at which the communication identifier is submitted;transmitting, by the payment service system, a second notification to the verification device associated with the communication identifier to request the user to confirm or cancel the online purchase transaction, the second notification including information relating to the online purchase transaction;receiving, by the payment service system, a response from the verification device, the response confirming the online purchase transaction; andbased on the response, processing the payment request from the third-party merchant system by transferring a payment amount associated with the online purchase transaction from a financial account associated with the payment card to a financial account associated with the third-party merchant system.