G - Physics – 06 – Q
Patent
G - Physics
06
Q
G06Q 20/20 (2012.01) G06Q 20/40 (2012.01)
Patent
CA 2723492
A system, method and intermediary for effecting a payment account transaction at a point of sale on behalf of a registrant while avoiding disclosure of its payment account information at the point of sale. The system comprises a merchant device at the point of sale for generating a partial authorization request, an authorizing instrument for providing authentication information of an authorized representative and the intermediary, located remotely from the point of sale, for receiving the partial request and the authentication. The intermediary retrieves the registrant's payment account information using the authentication, combines it with the partial request to form an authorization request and forwards it along the transaction network for processing. The authentication information may arrive with a subset of transaction information. The authorizing instrument may be located at the point of sale. A requesting instrument may request the authorizing instrument to forward the authentication information.
Mercia Marcel
Mercia Paul
1356382 Alberta Ltd.
Burnet Duckworth & Palmer Llp
LandOfFree
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