Payment information security for multi-merchant purchasing environment for downloadable products

• Main Authors: NOLAN SEAN, WALSH DEIRDRE L, BUTTON THOMAS L, BIYANI RAJ, BHAMBRI VIKRAM, WARREN SUSAN, SAUSVILLE PAUL C, HEMPEY MATTHEW D
• Format: Patent
• Language: English
• Published: 16.06.2009
• Subjects: CALCULATING; CHECKING-DEVICES; COMPUTING; COUNTING; ELECTRIC COMMUNICATION TECHNIQUE; ELECTRIC DIGITAL DATA PROCESSING; ELECTRICITY; PHYSICS; REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS; TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHICCOMMUNICATION

A multi-merchant purchasing system is configured to identify downloadable products selected by a user for purchase. The identified downloadable products are offered by multiple merchants. The multi-merchant purchasing system enables the user to purchase all of the downloadable products in a single transaction. Specifically, the multi-merchant purchasing system determines payment information associated with the user and, with minimum user-interaction, sends the payment information to applications associated with the merchants for processing. The multi-merchant purchasing system may also be configured to receive purchase information from the merchant applications and maintains the purchase information for the user in a locker. The multi-merchant purchasing system may further be configured to automatically download and install the purchased product onto the user's computing device through a software assistant. To ensure privacy and security, the multi-merchant purchasing system may include a credit card quarantine module to secure credit card data by encoding and multiple levels of encryptions.