System, process and device for e-commerce transactions

Abstract

Systems, devices and processes for electronic commerce payment processing using a handle and a mobile device with a mobile wallet application installed thereon. The handle may be used at a merchant website to process the electronic commerce payment for instead of providing payment information and/or personally identifiable information. That is, the handle may not include payment information and/or personally identifiable information.

What is claimed is: 
     
         1 . A system of processing payment for a transaction at an electronic wallet application on or accessible by a mobile device, comprising:
 the electronic wallet application having non-transitory computer-readable storage medium with computer-executable instructions for causing a processor of the mobile device to:
 authorize a user account of the electronic wallet application; 
 trigger the display of a confirmation request on a display of the mobile device; 
 provide a payment confirmation; 
   a payment server having non-transitory computer-readable storage medium with computer-executable instructions for causing a processor of the payment server to:
 associate the user account with a first handle for processing payment using the electronic wallet application; 
 receive a payment request to process payment for an electronic commerce transaction for a merchant website, the payment request indicating the first handle, a merchant identifier and transaction data; 
 process the payment request to by verifying the user account associated with the first handle and the merchant identifier using a data repository, the user account identifying the electronic wallet application; 
 transmit the confirmation request to the electronic wallet application, the confirmation request including at least a portion of the transaction data; 
 receive the payment confirmation from the electronic wallet application; 
 transmit, over a secured channel, a payment security token to a merchant server associated with the merchant website; and 
 transmit an approval message to update the merchant website with payment confirmation notification. 
   
     
     
         2 . The system of  claim 1  wherein the electronic wallet application has the non-transitory computer-readable storage medium with the computer-executable instructions for causing the processor of the mobile device to generate and transmit a registration request to associate the user account with a first handle. 
     
     
         3 . The system of  claim 1  wherein the first handle is active to process a single payment request, wherein the payment server is configured to de-activate the first handle after transmitting the payment security token. 
     
     
         4 . The system of  claim 1  wherein the payment server has the non-transitory computer-readable storage medium with the computer-executable instructions for causing the processor to process a registration request to associate the user account with the first handle for processing payment using the electronic wallet application. 
     
     
         5 . The system of  claim 1  wherein the payment server has the non-transitory computer-readable storage medium with the computer-executable instructions for causing the processor to receive a first payment account, the first handle for processing payment using the first payment account, and associate the first payment account with the first handle. 
     
     
         6 . The system of  claim 4  wherein the payment server has the non-transitory computer-readable storage medium with the computer-executable instructions for causing the processor to:
 process a second registration request to associate the user account with a second handle for processing payment using a second payment account; 
 receive a second payment request to process payment for another electronic commerce transaction, the payment request indicating the second handle, the merchant identifier or another merchant identifier, and additional transaction data; 
 process the payment request to determine the user account associated with the second handle; 
 transmit a confirmation request including at least a portion of the additional transaction data; 
 authorize the user account of the electronic wallet application; 
 receive another payment confirmation from the electronic wallet application to process payment using the second payment account; 
 transmit another payment security token to the merchant server associated with the merchant identifier or another merchant server associated with the other merchant identifier, the other payment security token for the second payment account; and 
 transmit an approval message for another payment confirmation notification. 
 
     
     
         7 . The system of  claim 1  wherein the payment server has the non-transitory computer-readable storage medium with the computer-executable instructions for causing the processor to process a registration request to associate the user account with the first handle by verifying uniqueness of the first handle by determining that the first handle is different than all handles of a repository of handles stored on or accessible by the payment server. 
     
     
         8 . The system of  claim 1  wherein the payment server has the non-transitory computer-readable storage medium with the computer-executable instructions for causing the processor to generate or identify a unique handle for the first handle, the unique handle being different than all active handles of a repository of handles stored on or accessible by the payment server. 
     
     
         9 . The system of  claim 1  wherein the payment server has the non-transitory computer-readable storage medium with the computer-executable instructions for causing the processor to generate or identify a time sensitive handle for the first handle, the time sensitive handle being active for the electronic commerce transaction only for a defined period of time. 
     
     
         10 . A payment server for processing payment for a transaction, the payment server connected to an electronic wallet application on or accessible by a mobile device, the payment server having non-transitory computer-readable storage medium with computer-executable instructions for causing a processor of the payment server to:
 associate a user account with a first handle for processing payment using the electronic wallet application;   receive a payment request to process payment for an electronic commerce transaction at a merchant website, the payment request indicating the first handle, a merchant identifier and transaction data;   process the payment request to by verifying the user account associated with the first handle and the merchant identifier using a data repository, the user account identifying the electronic wallet application;   transmit the confirmation request to the electronic wallet application, the confirmation request including at least a portion of the transaction data;   receive the payment confirmation from the electronic wallet application;   transmit, over a secured channel, a payment security token to a merchant server associated with the merchant website; and   transmit an approval message to update the merchant website with payment confirmation notification.   
     
     
         11 . The payment server of  claim 10  having non-transitory computer-readable storage medium with computer-executable instructions for causing the processor to receive a registration request to associate the user account with a first handle. 
     
     
         12 . The payment server of  claim 10  wherein the first handle is active to process a single payment request, wherein the payment server is configured to de-activate the first handle after transmitting the payment security token. 
     
     
         13 . The payment server of  claim 10  having non-transitory computer-readable storage medium with computer-executable instructions for causing the processor to process a registration request to associate the user account with the first handle for processing payment using the electronic wallet application. 
     
     
         14 . The payment server of  claim 10  having non-transitory computer-readable storage medium with computer-executable instructions for causing the processor to receive a first payment account, the first handle for processing payment using the first payment account, and associate the first payment account with the first handle. 
     
     
         15 . The payment server of  claim 13  having non-transitory computer-readable storage medium with computer-executable instructions for causing the processor to:
 process a second registration request to associate the user account with a second handle for processing payment using a second payment account; 
 receive a second payment request to process payment for another electronic commerce transaction, the payment request indicating the second handle, the merchant identifier or another merchant identifier, and additional transaction data; 
 process the payment request to determine the user account associated with the second handle; 
 transmit a confirmation request including at least a portion of the additional transaction data; 
 authorize the user account of the electronic wallet application; 
 receive another payment confirmation from the electronic wallet application to process payment using the second payment account; 
 transmit another payment security token to the merchant server associated with the merchant identifier or another merchant server associated with the other merchant identifier, the other payment security token for the second payment account; and 
 transmit an approval message for another payment confirmation notification. 
 
     
     
         16 . The payment server of  claim 10  having non-transitory computer-readable storage medium with computer-executable instructions for causing the processor to process a registration request to associate the user account with the first handle by verifying uniqueness of the first handle by determining that the first handle is different than all handles of a repository of handles stored on or accessible by the payment server. 
     
     
         17 . The payment server of  claim 10  having non-transitory computer-readable storage medium with computer-executable instructions for causing the processor to generate or identify a unique handle for the first handle, the unique handle being different than all active handles of a repository of handles stored on or accessible by the payment server. 
     
     
         18 . The payment server of  claim 10  having non-transitory computer-readable storage medium with computer-executable instructions for causing the processor to generate or identify a time sensitive handle for the first handle, the time sensitive handle being active for the electronic commerce transaction only for a defined period of time. 
     
     
         19 . The payment server of  claim 10  having non-transitory computer-readable storage medium with computer-executable instructions for causing the processor to process a registration request to associate the first handle with the mobile device and the electronic mobile wallet, and process the payment request to determine the user account associated with the first handle by: determining the mobile device associated with the first handle, the mobile device being associated with the electronic wallet application. 
     
     
         20 . A method of processing payment for a transaction at an electronic wallet application on or accessible by a mobile device, the method comprising:
 at the mobile device,
 authorizing a user account of the electronic wallet application on or accessible by the mobile device; 
 receiving a first handle associated with the user account; 
 receiving a confirmation request at the electronic wallet application, the confirmation request for a payment request to process payment for an electronic commerce transaction at a merchant website, the payment request indicating a first handle, a merchant identifier, and transaction data; 
 authorizing the user account of the electronic wallet application; 
 transmitting a payment confirmation to authorise the payment request to trigger transmission of a payment security token to a merchant server associated with the merchant website; and 
 displaying an transaction message for the payment confirmation. 
   
     
     
         21 . The method of  claim 20  further comprising transmitting a registration request to associate the user account with the first handle for processing payment using the electronic wallet application. 
     
     
         22 . The method of  claim 20  wherein processing the registration request to associate the user account with the first handle for processing payment using the electronic wallet application comprises: receiving a first payment account, the first handle for processing payment using the first payment account. 
     
     
         23 . The method of  claim 20  further comprising:
 at the mobile device,
 authorizing the user account of the electronic wallet application on or accessible by the mobile device; 
 transmitting a second registration request to associate the user account with a second handle for processing payment using a second payment account; 
 receiving a confirmation request for a second payment request to process payment for another electronic commerce transaction, the payment request indicating the second handle, the merchant identifier or another merchant identifier, and additional transaction data; 
 authorizing the user account of the electronic wallet application; 
 transmitting another payment confirmation from the electronic wallet application to process payment using the second payment account to trigger transmission of another payment security token to the merchant server associated with the merchant identifier or another merchant server associated with the other merchant identifier, the other payment security token for the second payment account; and 
 transmitting an approval message for another payment confirmation notification.