| CPC G06Q 20/4012 (2013.01) [G06Q 20/322 (2013.01); G06Q 20/3821 (2013.01); G06Q 20/4015 (2020.05)] | 12 Claims |
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1. A method for conducting a secure payment transaction for a user having an authenticatable ID, the method comprising:
presenting, by a processor of a mobile computing device, at the display of the mobile computing device, on a login pane of a graphical user interface for a payment application executing on the mobile computing device, a prompt for an authenticatable ID of a user for authenticating a user to receive a payment token;
receiving, by the processor of the mobile computing device, from one or more computing devices associated with a payment provider, data of one or more merchants serviced by the payment provider, wherein the data of the one or more merchants serviced by the payment provider include a merchant identifier for each of the one or more merchants;
presenting, by the processor of the mobile computing device, at the display of the mobile computing device on a first pane of the graphical user interface, a plurality of first graphical elements comprising a list of one or more merchants from the received data of the one or more merchants serviced by the payment provider;
transmitting, by the processor of the mobile computing device, from the mobile computing device, to the one or more computing devices, a received first merchant identifier;
determining, by the one or more computing devices from a database, merchant data associated with the received first merchant identifier;
maintaining, by the one or more computing devices, unique merchant identifiers among all merchants and merchant stores serviced by the payment provider, including the first merchant identifier;
receiving, by the processor of the mobile computing device, from the one or more computing devices, the determined merchant data associated with the first merchant identifier;
presenting, by the processor of the mobile computing device, at the display of the mobile computing device on a second pane of the graphical user interface, the received merchant data for a merchant associated with the first merchant identifier and a first widget associated with a payment transaction for the merchant associated with the first merchant identifier;
receiving, by the processor of the mobile computing device, an input from the first widget associated with the payment transaction for the merchant associated with the first merchant identifier;
transmitting, by the processor of the mobile computing device, a request to initiate a payment transaction for the merchant associated with the first merchant identifier;
determining, by the one or more computing devices from the request, symbols of a payment token for the payment transaction for the merchant associated with the first merchant identifier, wherein the symbols of the payment token comprise only three symbols, wherein the payment token has an associated expiration time, and wherein determining the symbols of the payment token consists of:
determining a first numerical symbol of the symbols;
determining a second numerical symbol of the symbols; and
determining a unique symbol among a set of symbols of the symbols;
determining, by the one or more computing devices, whether a first verification token associated with the merchant computing device associated with the first merchant identifier matches the payment token associated with the first merchant identifier within the associated expiration time;
receiving, by the processor of the mobile computing device, from the one or more computing devices, the determined payment token including the symbols; and
presenting, by the processor of the mobile computing device, at the display of the mobile computing device on a third pane of the graphical user interface, a third graphical element of the received payment token,
wherein a merchant payment application executing at the merchant computing device associated with the first merchant identifier is presenting a merchant graphical user interface, the merchant graphical user interface receiving i) the first verification token and ii) an associated first payment amount for the payment transaction, and wherein the merchant payment application is receiving the first verification token and the first payment amount inputted at the merchant graphical user interface, the merchant computing device transmitting the received first verification token and received first payment amount to the one or more computing devices and
wherein the one or more computing devices is processing the payment transaction for at least the first payment amount based on the match.
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