Patent ID: 8744958
Filing Date: 2014-06-03
Classification: G06Q

Abstract:
1. A method for authorizing a transaction between a consumer and a merchant, the method comprising: receiving, at a server of a non-merchant entity, a consumer message directly from an access device used by the consumer, wherein the consumer message includes: receiving, at the non-merchant server, an amount associated with the transaction; sending, to a merchant server from the non-merchant server, a funding message including the transaction identifier; and providing, to the merchant server from the non-merchant server, code that is incorporated into an application page that is sent from the merchant to the consumer before the non-merchant server receives the consumer message, wherein the code provides a link to other code that directs the consumer message to the non-merchant server, the consumer message being created from information in the application page, wherein the non-merchant entity is associated with an issuer of the consumer's account, and wherein the non-merchant entity creates at least a portion of the account identifier.