Visa Inc.
SYSTEM AND METHOD FOR AUTHORIZING A TRANSACTION

Abstract:

A method, system, and computer program product is provided for authorizing a transaction. The method includes registering, with a first merchant system associated with a first merchant, a second merchant system associated with a second merchant, receiving, from the second merchant system, user data associated with a user requesting a transaction through the second merchant system, determining, with the first merchant system, a user profile for the user based on the user data, the user profile stored on a data storage device that is not accessible to the second merchant system, the user profile including an account identifier, obtaining, with the first merchant system, a transaction token generated based on the account identifier, and transmitting, to the second merchant system, the transaction token.