公开(公告)号：US20100312703A1

公开(公告)日：2010-12-09

申请号：US12791723

申请日：2010-06-01

申请人： Ashish Kulpati ,  Pankaj Rajurkar ,  Soon Guan Sam Oon ,  Douglas Fisher ,  James Dene Dimmick ,  Benedicto Hernandez Dominguez ,  In-Tchang Kim

发明人： Ashish Kulpati ,  Pankaj Rajurkar ,  Soon Guan Sam Oon ,  Douglas Fisher ,  James Dene Dimmick ,  Benedicto Hernandez Dominguez ,  In-Tchang Kim

IPC分类号： G06Q40/00

CPC分类号： G06Q20/322 ,  G06Q20/32 ,  G06Q20/40 ,  H04L63/083

摘要： A system, apparatus, and method includes infrastructure and processes to enable a consumer to register their mobile phone number and associate that number with a payment account. After registration, the consumer may use their mobile phone to initiate or perform one or more stages of a payment transaction. The payment transaction is recognized as being initiated or performed by a mobile phone, and in response a server may authenticate the transaction based on the mobile phone number and a previous registration and authentication process. In other embodiments, the server may recognize the payment transaction as being initiated or performed by a mobile phone, and in response contact the consumer using the mobile phone to request confirmation of the consumer's desire to perform the transaction.

摘要翻译： 系统，装置和方法包括使消费者能够注册他们的移动电话号码并将该号码与支付帐户相关联的基础设施和过程。 注册后，消费者可以使用他们的手机发起或执行支付交易的一个或多个阶段。 支付交易被识别为由移动电话发起或执行，并且作为响应，服务器可以基于移动电话号码和先前的注册和认证过程来认证交易。 在其他实施例中，服务器可以将支付交易识别为由移动电话发起或执行，并且响应于使用移动电话联系消费者来请求确认消费者执行交易的愿望。

公开(公告)号：US20170148013A1

公开(公告)日：2017-05-25

申请号：US15360357

申请日：2016-11-23

申请人： PANKAJ RAJURKAR ,  Ashish Kulpati ,  Koni Uttam Nayak ,  Gurumoorthy Hariharan ,  Aparna Krishnan Girish ,  Parveen Bansal ,  Michelle Scurrah

发明人： PANKAJ RAJURKAR ,  Ashish Kulpati ,  Koni Uttam Nayak ,  Gurumoorthy Hariharan ,  Aparna Krishnan Girish ,  Parveen Bansal ,  Michelle Scurrah

IPC分类号： G06Q20/36 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q30/06

CPC分类号： G06Q20/401 ,  G06Q20/102 ,  G06Q20/12 ,  G06Q20/3276 ,  G06Q20/3674 ,  G06Q20/385 ,  G06Q20/405 ,  G06Q20/42 ,  G06Q30/0601 ,  G06Q2220/00

摘要： E-commerce personal account numbers, shipping addresses, and other data may be tokenized to facilitate transaction completion by establishing e-commerce browser standards. Tag data may be received from a website associated with an e-commerce transaction. The tag data may include an indication that a merchant payment webpage is configured to receive a payment transaction via a token. Tokens may then be created from a personal account number and a shipping address corresponding to the personal account number in response to a request for token data.