Proprietary token-based universal payment processing system
Embodiments described herein provide approaches for processing a payment in an electronic commerce environment. Specifically, a customer of a merchant website in the electronic commerce environment is provided a universal payment interface in response to the customer's request to pay. The universal payment interface retrieves a proprietary token from the customer. This proprietary token is a mobile device-based token that is provided by a provider associated with the mobile device. The universal payment interface requests a determination from the provider as to whether the proprietary token is valid, and the payment is verified based on the determination from the provider.
1 . A computer-implemented method for processing a secure payment in an electronic commerce environment, the method comprising:
facilitating presentation, to a client device in response to a selection at a merchant site, of a universal payment interface that facilitates processing of a payment using a proprietary token associated with a mobile device, wherein the proprietary token is proprietary to the mobile device, stored on the mobile device prior to a request to pay, and provided to the mobile device by a provider of the mobile device prior to the request to pay, wherein the provider is at least one of a manufacturer of a hardware of the mobile device or a developer of an operating system of the mobile device and independent of the universal payment interface;
receiving at the universal payment interface, a selection by a customer of a payment option requiring the proprietary token;
generating, in response to the selection, a retrieval request for the proprietary token corresponding to the payment option selected;
sending the retrieval request to the client device;
receiving, at the universal payment interface, the proprietary token transmitted by the mobile device of the customer over a network from the client device;
verifying, by the universal payment interface, that the proprietary token received from the client device is recognized as a provider provided proprietary token;
requesting, by the universal payment interface in response to the receiving of the proprietary token, a determination from the provider as to whether the proprietary token is valid; and
determining a status-of the payment based on the determination from the provider.
2 . The method of claim 1 , further comprising:
providing a link to the universal payment interface on the merchant website in the electronic commerce environment; and
redirecting the customer to the universal payment interface in response to a selection of the link by the customer.
3 . The method of claim 1 , wherein the network includes a wireless connection, and wherein the wireless connection uses at least one of a Bluetooth protocol or Wi-Fi.
4 . The method of claim 1 , wherein the propriety token contains information that enables the provider to retrieve credit card information associated with the customer.
5 . The method of claim 1 , wherein the propriety token is at least one of an Apple Pay token, a Samsung Pay token, or a Google Wallet token.
6 . The method of claim 1 , further comprising:
providing a code that is uniquely associated with a transaction in the electronic commerce environment to the customer via a voice-based telephonic connection; and
redirecting the customer to the universal payment interface in response to an entry of the code into a website by the user.
7 . The method of claim 1 , further comprising:
providing the universal payment interface to a second customer of a second merchant website associated with a second merchant that is not affiliated with the first merchant in the electronic commerce environment in response to a request to pay by the second customer, the second merchant being independent of the provider and the universal payment interface;
retrieving a second proprietary token from the second customer electronically over the network by the universal payment interface;
requesting, by the universal payment interface in response to the retrieving of the second proprietary token, a determination from the provider as to whether the second proprietary token is valid; and
verifying a second payment based on the determination from the provider.
8 . The method of claim 1 , wherein the proprietary token is transmitted to the client computer in response to the retrieval request.
9 . A computer system for processing a secure payment in an electronic commerce environment, the computer system comprising:
a memory medium comprising program instructions;
a bus coupled to the memory medium; and
a processor for executing the program instructions, the instructions causing the system to:
facilitate presentation, to a client device in response to a selection at a merchant site, of a universal payment interface that facilitates processing of a payment using a proprietary token associated with a mobile device, wherein the proprietary token is proprietary to the mobile device, stored on the mobile device prior to a request to pay, and provided to the mobile device by a provider of the mobile device prior to the request to pay, wherein the provider is at least one of a manufacturer of a hardware of the mobile device or a developer of an operating system of the mobile device and independent of the universal payment interface;
receive at the universal payment interface, a selection by a customer of a payment option requiring the proprietary token;
generating, in response to the selection, a retrieval request for the proprietary token corresponding to the payment option selected;
receiving, at the universal payment interface, the proprietary token transmitted by the mobile device of the customer over a network from the client device;
verify, by the universal payment interface, that the proprietary token received from the client device is recognized as a provider provided proprietary token;
request, by the universal payment interface in response to the receiving of the proprietary token, a determination from the provider as to whether the proprietary token is valid; and
determine a status of the payment based on the determination from the provider.
10 . The computer system of claim 9 , the instructions further causing the system to:
provide a link to the universal payment interface on the merchant website in the electronic commerce environment; and
redirect the customer to the universal payment interface in response to a selection of the link by the customer.
11 . The computer system of claim 9 , wherein the network includes a wireless connection, and wherein the wireless connection uses at least one of a Bluetooth protocol or Wi-Fi.
12 . The computer system of claim 9 , wherein the propriety token contains information that enables the provider to retrieve credit card information associated with the customer.
13 . The computer system of claim 9 , wherein the propriety token is at least one of an Apple Pay token, a Samsung Pay token, or a Google Wallet token.
14 . The system of claim 9 , the instructions further causing the system to:
provide a code that is uniquely associated with a transaction in the electronic commerce environment to the customer via a voice-based telephonic connection; and
redirect the customer to the universal payment interface in response to an entry of the code into a website by the customer.
15 . The system of claim 9 , the instructions further causing the system to:
provide the universal payment interface to a second customer of a second merchant website associated with a second merchant that is not affiliated with the first merchant in the electronic commerce environment in response to a request to pay by the second customer, the second merchant being independent of the provider and the universal payment interface;
retrieve a second proprietary token from the second customer electronically over the network by the universal payment interface;
request, by the universal payment interface in response to the retrieving of the second proprietary token, a determination from the provider as to whether the second proprietary token is valid; and
verify a second payment based on the determination from the provider.
16 . The system of claim 9 , wherein the proprietary token is transmitted to the client computer in response to the retrieval request.
17 . A computer readable storage device having a computer program product for processing a secure payment in an electronic commerce environment stored thereon, the computer program product comprising program instructions stored on the computer readable storage device that, when executed, cause a computer device to:
facilitate presentation, to a client device in response to a selection at a merchant site, of a universal payment interface that facilitates processing of a payment using a proprietary token associated with a mobile device, wherein the proprietary token is proprietary to the mobile device, stored on the mobile device prior to a request to pay, and provided to the mobile device by a provider of the mobile device prior to the request to pay, wherein the provider is at least one of a manufacturer of a hardware of the mobile device or a developer of an operating system of the mobile device and independent of the universal payment interface;
receive at the universal payment interface, a selection by a customer of a payment option requiring the proprietary token;
generate, in response to the selection, a retrieval request for the proprietary token corresponding to the payment option selected;
receive, at the universal payment interface, the proprietary token transmitted by the mobile device of the customer over a network from the client device;
verify, by the universal payment interface, that the proprietary token received from the client device is recognized as a provider provided proprietary token;
request, by the universal payment interface in response to the receiving of the proprietary token, a determination from the provider as to whether the proprietary token is valid; and
determine a status of the payment based on the determination from the provider.
18 . The computer program product of claim 17 , the program instructions further causing the computer device to:
provide a link to the universal payment interface on the merchant website in the electronic commerce environment; and
redirect the customer to the universal payment interface in response to a selection of the link by the customer.
19 . The computer program product of claim 17 , wherein the network includes a wireless connection, and wherein the wireless connection uses at least one of a Bluetooth protocol or Wi-Fi.
20 . The computer program product of claim 17 , wherein the propriety token contains information that enables the provider to retrieve credit card information associated with the customer.
21 . The computer program product of claim 17 , wherein the propriety token is at least one of an Apple Pay token, a Samsung Pay token, or a Google Wallet token.
22 . The computer program product of claim 17 , the program instructions further causing the computer device to:
provide a code that is uniquely associated with a transaction in the electronic commerce environment to the customer via a voice-based telephonic connection; and
redirect the customer to the universal payment interface in response to an entry of the code into a website by the user.
23 . The computer program product of claim 17 , the program instructions further causing the computer device to:
provide the universal payment interface to a second customer of a second merchant website associated with a second merchant that is not affiliated with the first merchant in the electronic commerce environment in response to a request to pay by the second customer, the second merchant being independent of the provider and the universal payment interface;
retrieve a second proprietary token from the second customer electronically over the network by the universal payment interface;
request, by the universal payment interface in response to the retrieving of the second proprietary token, a determination from the provider as to whether the second proprietary token is valid; and
verify a second payment based on the determination from the provider.
24 . The computer readable storage device of claim 17 , wherein the proprietary token is transmitted to the client computer in response to the retrieval request.