NCR Corporation
Secure payment processing within messaging systems

Abstract:

A user is initially registered during a session with a messaging platform through an out-of-band registration communication. When a user attempts to make a payment within the session or within subsequent sessions with the messaging platform or subsequent sessions with different messaging platforms, the user is presented token names representing registered forms of payment within the user's session. The selected token name is mapped outside the session to specific registered payment details and the payment processing is processed on behalf of the user during the session but through out-of-band session communications. Confirmation of payment is then sent back to the user in a session communication.