Patent ID: 8396810

Claim:
A system for authorizing a transaction between a customer and an e-commerce merchant, the system comprising: an electronic wallet maintained in a server including payment options, each payment option including personal payment information associated with a customer, one payment option being designated as a default payment option; and a proxy device, in communication with the server and independent of the customer and a merchant, that includes a processor that is programmed to: receive an authorization request from the merchant to process a transaction by the customer; verify the authorization request including verifying the merchant; create an authorization form that includes a prompt for a wallet identifier, an entry phrase, and for an indication to use the default payment option; receive a response that includes a wallet identifier, an entry phrase, and an indication to use the default payment option; verify the wallet identifier and entry phrase; determine whether a default payment option has previously been designated by the customer in the wallet associated with the wallet identifier; generate, in response to the authorization request, an approval request that includes the default payment option based on the received indication to use the default payment option; forward the approval request including the default payment option designation to the customer for approval before completing the transaction; and process the transaction on behalf of the merchant and the customer using the default payment option, the proxy device processing the transaction and returning to the merchant an approval code associated with the transaction without transferring any of the personal payment information associated with the customer to the merchant.