公开(公告)号：US20150134518A1

公开(公告)日：2015-05-14

申请号：US14080362

申请日：2013-11-14

Applicant: GOOGLE INC.

Inventor： Barak Turovsky ,  Estella Chan ,  Scott Roy Atwood ,  Stanley N. Marshall, III

IPC: G06Q20/36

CPC classification number: G06Q20/12 ,  G06Q20/351 ,  G06Q20/363

Abstract: A user establishes a digital wallet and registers with and signs in to an authorized application. The user begins a web browsing session, accesses a merchant website, and initiates a transaction using the digital wallet. The user web browser is directed to an authentication page. The user authorizes the transaction and has the option to pre-authorize the merchant for future transactions. The user is redirected to the merchant website and approves the transaction. The transaction is conducted with the virtual credit number created by the payment processing system. The user initiates a subsequent transaction. The digital wallet determines that the previous browsing session is active, the merchant is pre-authorized, and the user is logged into the authorized application. The subsequent transaction is processed without having to be authenticated by the user via the authentication page. Otherwise, the user re-authorizes the merchant via the authentication page before the subsequent transaction proceeds.

Abstract translation: 用户建立数字钱包，并向授权的应用程序注册并登录。 用户开始网页浏览会话，访问商家网站，并使用数字钱包发起交易。 用户Web浏览器被定向到认证页面。 用户授权交易，并可以选择预先授权商家以备将来进行交易。 用户被重定向到商家网站并批准交易。 该交易是用支付处理系统创建的虚拟信用号进行的。 用户启动后续事务。 数字钱包确定先前的浏览会话是活动的，商家被预授权，并且用户登录到授权的应用程序。 处理后续事务，而不必经由认证页面由用户认证。 否则，在随后的事务进行之前，用户通过认证页重新授权商家。