公开(公告)号：US20120166311A1

公开(公告)日：2012-06-28

申请号：US13336929

申请日：2011-12-23

申请人： John Dwight ,  Gregory Lisiewski ,  Michael Wu ,  Thomas Whitford ,  Parijat Sinha ,  Darrell Esch ,  Carolyn Groobey ,  Brian Biglin ,  Sanjeev Kriplani ,  Sofya Pogreb ,  Gregg Zigler

发明人： John Dwight ,  Gregory Lisiewski ,  Michael Wu ,  Thomas Whitford ,  Parijat Sinha ,  Darrell Esch ,  Carolyn Groobey ,  Brian Biglin ,  Sanjeev Kriplani ,  Sofya Pogreb ,  Gregg Zigler

IPC分类号： G06Q30/06

CPC分类号： G06Q30/0613 ,  G06Q20/405 ,  G06Q30/0617

摘要： A user is able to change one or more payment options after payment has already been made to a merchant. A payment provider processes a payment request during a transaction with the merchant with default or selected payment options. After the transaction with the merchant is completed and the merchant has been paid, the user may change one or more of the payment options, such as funding source(s) and terms/conditions of payment (e.g., deferment period, installment period/amount, etc.). During the transaction, the user may make a purchase through the payment provider even if the user does not have an account with the payment provider by providing user information, such as name, address, phone number, email address, and date of birth, but not a social security number or funding source information.

摘要翻译： 用户能够在已经向商家付款之后更改一个或多个付款选项。 付款提供商在与具有默认或选择的支付选项的商家的交易期间处理支付请求。 在完成与商户的交易并且商家已经被支付之后，用户可以改变一个或多个付款选项，例如资金来源和付款条款/条件（例如，延期期间，分期付款期限/金额 等）。 在交易期间，即使用户没有通过提供诸如姓名，地址，电话号码，电子邮件地址和出生日期等用户信息的用户没有与支付提供商的帐户，用户也可以通过支付提供者进行购买，但是 不是社会保障号码或资金来源信息。