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

Claim 19:
20. An article of manufacture having one or more non-transitory computer readable media storing instructions which, when executed by an electronic device of a user, a network site server and a third-party server of a network arrangement, cause the network arrangement to perform a method for conducting a transaction between a network site of a merchant and the electronic device of the user without requiring a preexisting relationship between the merchant and the customer while preventing access by the merchant to certain financial information of the user used to complete the financial transaction, the method comprising:
receiving, at a third party server as part of a network communication, user payment information in response to a submission of a form from a client-side application of the client to a server-side application of the first 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, the submission of the form starting transfer of the user payment information for the financial transaction;
creating the network-transferable single use identifier using the user payment information, wherein the single use identifier is created after starting transfer of the user payment information to enable completion of the financial transaction with the user payment information, the single use identifier being associated with the client, wherein the client and the first server are each different from the third party server; and
sending from the third-party server 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 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
further comprising encrypting at least a portion of the user payment information and comparing the encrypted user information with data stored in a database as part of completing the financial transaction.