公开(公告)号：US09947010B2

公开(公告)日：2018-04-17

申请号：US13547445

申请日：2012-07-12

申请人： Shoon Ping Wong ,  Sandeep Malhotra ,  Tadepally Venkata Seshadri ,  Chayan Hazra

发明人： Shoon Ping Wong ,  Sandeep Malhotra ,  Tadepally Venkata Seshadri ,  Chayan Hazra

IPC分类号： G06Q20/00 ,  G06Q20/40

CPC分类号： G06Q20/401 ,  G06Q20/4097

摘要： Payments assurance methods and systems are described. In some embodiments, a Proxy Service Manager Server computer receives a consumer authentication request from a merchant device, and transmits that request to an Authentication Service Manager Server computer. The Proxy Service Manager Server computer then receives a non-repudiable accountholder authentication value (“AAV”) token, generates a payment authorization request that includes the AAV token, and transmits the payment authorization request to an Acquirer financial institution (FI) Server computer. The Proxy Service Manager Server computer is then operable to receive a payment authorization message, and to transmit the payment authorization message to the merchant device to enable a merchant to complete a purchase transaction with a consumer.

公开(公告)号：US20130018793A1

公开(公告)日：2013-01-17

申请号：US13547445

申请日：2012-07-12

申请人： Shoon Ping Wong ,  Sandeep Malhotra ,  Tadepally Venkata Seshadri ,  Chayan Hazra

发明人： Shoon Ping Wong ,  Sandeep Malhotra ,  Tadepally Venkata Seshadri ,  Chayan Hazra

IPC分类号： G06Q20/40 ,  G06Q20/10

CPC分类号： G06Q20/401 ,  G06Q20/4097

摘要： Payments assurance methods and systems are described. In some embodiments, a Proxy Service Manager Server computer receives a consumer authentication request from a merchant device, and transmits that request to an Authentication Service Manager Server computer. The Proxy Service Manager Server computer then receives a non-repudiable accountholder authentication value (“AAV”) token, generates a payment authorization request that includes the AAV token, and transmits the payment authorization request to an Acquirer financial institution (FI) Server computer. The Proxy Service Manager Server computer is then operable to receive a payment authorization message, and to transmit the payment authorization message to the merchant device to enable a merchant to complete a purchase transaction with a consumer.

摘要翻译： 描述付款保证方法和系统。 在一些实施例中，代理服务管理器服务器计算机从商家设备接收消费者认证请求，并将该请求发送到认证服务管理器服务器计算机。 代理服务管理服务器计算机然后接收不可否认的帐户认证值（AAV）令牌，生成包括AAV令牌的支付授权请求，并将支付授权请求发送给获取者金融机构（FI）服务器计算机。 代理服务管理器服务器计算机然后可操作以接收支付授权消息，并将支付授权消息传送到商家设备，以使商家能够与消费者完成购买交易。