公开(公告)号：US20140351040A1

公开(公告)日：2014-11-27

申请号：US14140879

申请日：2013-12-26

Applicant: Google Inc.

Inventor： Tim Kuchlein ,  Harry Lee Butler, IV ,  Peter Hazlehurst ,  Shantan Rao ,  Yan Chen ,  Marlo James McGriff, II ,  Yanka Li ,  Ignacio Carlos Blanco ,  Amit Chandak ,  Shobhana Katukuri

IPC: G06Q20/20 ,  G06Q20/40

CPC classification number: G06Q30/0222 ,  G06Q20/28 ,  G06Q20/40 ,  G06Q20/4016

Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.

Abstract translation: 用于维护预付费支付系统的方法包括可用于完成与商家的购买交易的用户帐户。 在商家从支付系统接收到支付批准通知的时间和支付系统向与用户的支付系统帐户相关联的资金账户的发行者发送支付请求的时间之间引入延迟处理窗口。 支付系统利用由支付系统维护的用户存储价值账户来满足预付款计划的要求，因此处理从商家收到的支付请求，并且在未获得资金账户的发行者的事先授权的情况下发送支付批准通知 。 支付系统在用户和商家之间的购买交易完成之后的一个时刻提交资金交易的一个或多个付款请求。

公开(公告)号：US20160132876A1

公开(公告)日：2016-05-12

申请号：US14177969

申请日：2014-02-11

Applicant: GOOGLE INC.

Inventor： Christopher Petersen ,  Tim Kuchlein ,  Peter Hazlehurst ,  Harry Lee Butler, IV

IPC: G06Q20/40

CPC classification number: G06Q20/36 ,  G06Q20/227

Abstract: Redeeming closed loop payment instruments in wallet account transactions comprises a payment system server configured to associate financial accounts with a payment account of a user, comprising at least one closed loop account. The server receives, from a card network, a first payment authorization request originating from a merchant, comprising the payment account identifier and a request to fund a transaction. The server communicates, to a closed loop account issuer computing system, a redemption request to redeem funds from the closed loop account. The server receives a redemption of funds from the closed loop account. The server deducts the redeemed funds redeemed from a total amount of funds requested in the first payment authorization request. Upon receiving the funds, the server communicates to the merchant computing system a second authorization for the total amount of funds requested in the first authorization request based on the redemption of funds.

Abstract translation: 在电子钱包帐户交易中兑换闭环支付工具包括被配置为将财务账户与用户的支付账户相关联的支付系统服务器，其包括至少一个闭环账户。 服务器从卡网络接收来自商家的第一支付授权请求，其包括支付帐户标识符和为交易提供资金的请求。 服务器向闭环帐户发行者计算系统通信从闭环账户兑换资金的兑换请求。 服务器从闭环帐户收到资金的赎回。 服务器从第一次付款授权请求中请求的总金额扣除已赎回的已赎回资金。 在收到资金后，服务器根据资金的赎回向商家计算系统通报第一授权请求中所请求的资金总额的第二授权。