Patent ID: 8121942
Filing Date: 2012-02-21
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 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, wherein the transaction identifier is separate from the amount associated with the transaction; sending, to a merchant server from the non-merchant server, a funding message including the transaction identifier, wherein the funding message is an authorization response message indicating whether the transaction is approved or not approved, and wherein the non-merchant server sends the funding message after receiving the consumer message; 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, and wherein the consumer is not required to enroll in any program or service or to have been previously enrolled in any program or service before sending the consumer message.