Systems and methods for authenticating and providing payment to a supplier
An authentication and payment system for paying a supplier via a network may include a non-transitory computer readable storage medium having program logic stored thereon having a code for an authentication and payment application executable by a processor of a computing device. The code may be programmed to perform a step of receiving a first set of specific data elements from a payer regarding an authorized purchase by the payer from the supplier. The code may be further programmed to receive a second set of specific data elements from the supplier. If the first set of specific data elements matches at least a portion of second set of specific data elements, the code may be programmed to generate and send a single-use number to the supplier. The single-use number may be usable as a credit card number for only one purchase.
1. A system for generating a one-time payment method between parties, comprising:
a non-transitory memory storing instructions, and
a hardware processor that executes the instructions to perform the steps of:
receiving a first set of first data elements associated with a transaction from
a payer via a first device, including a transaction amount;
receiving a second set of second data elements associated with a transaction from a payee that is not pre-registered to receive payments via a second device;
determining, based on a comparison of the first set to the second set, that a first data element matches a second data element;
in response to the determining, generating a single-use electronic payment number that is usable as a payment credit card number, the electronic payment number being limited to paying the payee in an amount equal to the transaction amount; and
transmitting the electronic payment number to the payee via the second device over a network.
2. The system of claim 1 , wherein the comparison compares at least two first data elements to at least two second data elements.
3. The system of claim 2 , wherein the first or second set comprises at least one of: a date of service, an authorization number, or an invoice number.
4. The system of claim 3 , wherein the first set comprises an authorization number that is unique to a purchase.
5. The system of claim 4 , wherein the second set comprises an invoice number that is unique to the purchase and different from the authorization number.
6. The system of claim 1 , wherein the second set is received in response to an input of the second set into a user interface on a display of the second device.
7. The system of claim 6 , wherein the second set is received in response to an entry of a website security code into the user interface.
8. The system of claim 1 , wherein the first and second sets are received in response to an input at a same application at the first and second devices respectively.
9. The system of claim 8 , wherein the application at the first and second devices is implemented with at least one of: a network-based hosted service, a cloud service, Software as a Service (SaaS), Communications as a Service (CaaS), a virtual service, an on-demand service, or a public switched telephone network (PSTN) services.
10. The system of claim 1 , wherein the determining comprises determining that at least a portion of the first set does matches at least a portion of the second set and the single-use electronic payment number is transmitted to the second device over the network in response to the determining.
11. The system of claim 10 , wherein the single-use electronic payment number is transmitted to display as a virtual card on an interface of the second device.
12. The system of claim 10 , wherein the single-use electronic payment number is transmitted within an email.
13. A method for generating a one-time payment method between parties, comprising:
receiving a first set of first data elements associated with a transaction from a payer via a first device, including a transaction amount;
receiving a second set of second data elements associated with a transaction from a payee that is not pre-registered to receive payments via a second device;
determining, based on a comparison of the first set to the second set, that a first data element matches a second data element;
in response to the determining, generating a single-use electronic payment number that is usable as a payment credit card number, the electronic payment number being limited to paying the payee in an amount equal to the transaction amount; and
transmitting the electronic payment number to the payee via the second device over a network.
14. The method of claim 13 , wherein the comparison compares at least two first data elements to at least two second data elements.
15. The method of claim 14 , wherein the first or second set comprises at least one of: a date of service, an authorization number, or an invoice number.
16. The method of claim 15 , wherein the first set comprises an authorization number that is unique to a purchase.
17. The method of claim 15 , wherein the second set is received in response to an input of the second set into a user interface on a display of the second device, the input comprising an entry of a website security code into the user interface.
18. The method of claim 13 , wherein the determining comprises determining that at least a portion of the first set does matches at least a portion of the second set and the single-use electronic payment number is transmitted to the second device over the network in response to the determining.