System and method for secure payment transactions during a chat session
A method for secure payment transactions over a network between a support help desk computing system and a customer computing system is provided. The method includes establishing a chat session between the help desk and the customer using a chat application program; receiving a purchase order from the customer; communicating a unique URL payment link to the customer, wherein the URL payment link is configured for allowing the customer to establish communication with an order processing system to provide sensitive payment information to the order processing system; receiving the sensitive payment information at the order processing system communicated from the customer; encrypting the sensitive payment information; providing the encrypted sensitive payment information to the help desk, wherein the encrypted sensitive payment information is displayed in a masked format on a display of the help desk; and completing the purchase order using the encrypted sensitive payment information.
1. A method for secure payment transactions over a network between a support help desk computing system and a customer computing system, the method comprising:
establishing a chat session between the support help desk computing system and the customer computing system through the network using a chat application program;
receiving, at the support help desk computing system, a purchase order from the customer computing system during the chat session;
requesting a unique Uniform Resource Locator (URL) payment link from an order processing system using the support help desk computing system in response to the purchase order;
communicating the unique URL payment link from the support help desk computing system to the customer computing system over the chat session in response to receipt of the purchase order, wherein the unique URL payment link is configured for allowing the customer computing system to establish communication with the order processing system over the network to provide sensitive payment information to the order processing system, wherein the sensitive payment information is provided in association with the purchase order;
receiving the sensitive payment information at the order processing system communicated from the customer computing device;
encrypting the sensitive payment information;
providing the encrypted sensitive payment information to the support help desk computing system, wherein the encrypted sensitive payment information is displayed in a masked format on a display of the support help desk computing system; and
completing the purchase order using the encrypted sensitive payment information.
2. A method in accordance with claim 1 , wherein the purchase order is a request to purchase at least one of a product or a service.
3. A method in accordance with claim 1 , wherein the sensitive payment information includes credit card information.
4. A method in accordance with claim 3 , wherein credit card information includes at least one of a credit card number, credit card expiration date, and a three-digit security code.
5. A method in accordance with claim 1 , wherein sensitive payment information includes at least one of a social security number, bank account number, or bank account routing number.
6. A method in accordance with claim 1 , further comprising the step of receiving non-sensitive payment information from the customer computing system during the chat session in response to the purchase order.
7. A method in accordance with claim 6 , wherein non-sensitive personal information includes at least one of a customer name, mailing address, billing address, or email address.
8. A method in accordance with claim 7 , wherein the purchase order is completed using the sensitive and non-sensitive payment information.
9. A method in accordance with claim 1 , wherein the sensitive payment information is encrypted using the order processing system.
10. A method in accordance with claim 1 , wherein the masked format includes representing the sensitive payment information as one or more asterisks.
11. A method in accordance with claim 1 , wherein the support help desk computing system and the order processing system are controlled by the same business entity.
12. A method in accordance with claim 1 , wherein the support help desk computing system and the order processing system are controlled by different business entities.
13. A method in accordance with claim 1 , wherein the support help desk computing system receives the unique URL payment link from the order processing system over the network.
14. A method for secure payment transactions over a network between a support help desk computing system and a customer computing system, the method comprising:
establishing a chat session between the support help desk computing system and the customer computing system through the network using a chat application program;
receiving, at the support help desk computing system, a purchase order from the customer computing system during the chat session, wherein the purchase order is a request to purchase at least one of a product or a service;
receiving non-sensitive payment information from the customer computing system during the chat session in response to the purchase order, wherein the non-sensitive personal information includes at least one of a customer name, mailing address, billing address, or email address;
requesting a unique Uniform Resource Locator (URL) payment link from an order processing system using the support help desk computing system in response to the purchase order, wherein the unique URL payment link is configured for allowing the customer computing system to establish communication with the order processing system over the network to provide sensitive payment information to the order processing system, wherein the sensitive payment information is provided in association with the purchase order and includes at least one of credit card information, social security number, bank account number, or bank account routing number;
obtaining, at the support help desk computing system, the unique URL payment link from the order processing system over the network;
communicating the unique URL payment link from the support help desk computing system to the customer computing system over the chat session in response to receipt of the purchase order;
receiving the sensitive payment information at the order processing system communicated from the customer computing device;
encrypting the sensitive payment information using the order processing system;
providing the encrypted sensitive payment information to the support help desk computing system, wherein the encrypted sensitive payment information is displayed in a masked format on a display of the support help desk computing system; and
completing the purchase order using the non-sensitive payment information and encrypted sensitive payment information.
15. A method in accordance with claim 14 , wherein the support help desk computing system and the order processing system are controlled by the same business entity.
16. A method in accordance with claim 14 , wherein the support help desk computing system and the order processing system are controlled by different business entities.
17. A method in accordance with claim 1 , further comprising the step of interacting with a third party business entity to receive a payment associated with the completed purchase order.
18. A method in accordance with claim 13 , wherein the unique URL payment link is generated by the order processing system.