SERVER SIDE MOBILE PAYMENT PROCESSING AND AUTHENTICATION

摘要

A web browser inserts a user-neutral identifier into its webpage requests. A proxy server creates records of the webpage requests, and further processes these records to create and update profiles for the corresponding user-neutral identifiers. Upon receiving a webpage request including payment transaction information, which is redirected from a payment provider, the proxy server determines whether payment should be processed by analyzing one or more data elements in the request in view of the corresponding profile. Upon determining that the payment should be processed, the proxy server forwards the payment transaction information to a payment provider. By indexing the profiles according to user-neutral identifiers, rather than specific user information, user privacy can be maintained while still being able to authenticate whether a payment transaction is legitimate.

主权项

1. A method comprising:
registering by a server, user-neutral identifiers for web browsers installed on respective electronic devices; receiving at the server, webpage requests transmitted by the web browsers via a network, each of said webpage requests including a URL and a corresponding user-neutral identifier; creating by said server, respective records of the webpage requests; processing the records to update profiles that correspond to the same user-neutral identifiers, respectively; receiving a webpage request redirected from a payment provider, which includes a particular user-neutral identifier and payment transaction information, after the profile corresponding to the particular user-neutral identifier has been created; determining, based on the profile corresponding to the particular user-neutral identifier, whether payment should be processed according to the payment transaction information; and upon determining that the payment should be processed, transmitting data to the payment provider prompting the payment provider to process payment according to the payment transaction information, wherein each user-neutral identifier is registered without requiring the corresponding web browser to visit any webpage, wherein the user-neutral identifiers are registered in such manner as to ensure that they uniquely identify the web browser issuing each of said webpage requests from others of said plurality of web browsers without providing user-specific information.