Patent ID: 11868996
Assignee: STRIPE, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 11:
12. A network arrangement for conducting a transaction between a merchant and a user while preventing access by the merchant to certain financial information of the user used to complete the financial transaction, the network arrangement comprising:
a network site having a network site server of a merchant, the network site server having a server-side application;
an electronic device of the user communicably coupled to the network site for conducting the transaction between the network site and the electronic device, wherein the electronic device includes a client-side application; and
a third-party server communicably coupled with the electronic device, the third-party server being operable to
receive user payment information as part of a network communication in response to a submission of a form, which starts transfer of the user information for the financial transaction, from a client-side application to the server-side application of the network site server, the form when loaded causes a secure tunnel to be established to the third party server through which the network communication is received and through which a request to the third party server for a network-transferable single use identifier is submitted,
create the network-transferable single use identifier using the user information, the single use identifier is associated with a client, and
send the single use identifier to the client-side application to enable the single use identifier to be sent from the client-side application to the server-side application for processing of the financial transaction without sending the user payment information to the first server of the merchant from the client when the client-side application submits the form to start the transfer of the user payment information for the financial transaction, wherein the single use identifier is created after starting transfer of the user payment information to enable completion of the financial transaction with the payment information,

wherein an event handler captures a submit event during submission of the form, the form including a callback function to cause return of the single use identifier through the secure tunnel to be part of the form for submission to the server-side application, and
wherein at least a portion of the user payment information is encrypted and the encrypted user information is compared with data stored in a database as part of completing the financial transaction.