公开(公告)号：US20070233573A1

公开(公告)日：2007-10-04

申请号：US11394993

申请日：2006-03-30

申请人： Xingheng Wang ,  Mahesh Jayaram ,  Rajesh Kuppuswamy ,  Stuart Marshall ,  Yunkai Zhou

发明人： Xingheng Wang ,  Mahesh Jayaram ,  Rajesh Kuppuswamy ,  Stuart Marshall ,  Yunkai Zhou

IPC分类号： G06Q30/00

CPC分类号： G06Q20/00 ,  G06Q30/0601

摘要： Various technologies and techniques are disclosed that improve an ecommerce payment process. The system receives a selection from a user to perform a checkout operation for items in a shopping cart. The system receives a payment type selection from a user and creates an encrypted packet of order information. The user is redirected to a URL of a third party payment processing system that supports the selected payment type for the user's country. The encrypted information is posted securely to the payment system and includes details standard across payment types. A user interface theme identifier is included to allow the third party system to provide a consistent user interface. The third party system accepts the standard details in the encrypted packet and implements the payment type specific details. The ecommerce system receives notification that the payment process succeeded and provisioning resumes by providing the purchased items to the user.

摘要翻译： 公开了改进电子商务支付过程的各种技术和技术。 系统从用户接收对购物车中的物品进行结帐操作的选择。 系统从用户接收支付类型选择并创建加密的订单信息包。 用户被重定向到支持用户国家的所选支付类型的第三方支付处理系统的URL。 加密的信息安全地发布到支付系统，并包括支付类型的标准。 包括用户界面主题标识符，以允许第三方系统提供一致的用户界面。 第三方系统接受加密包中的标准细节，并实现付款类型的具体细节。 电子商务系统通过向用户提供所购买的商品，接收到支付过程成功的通知，并且提供恢复供应。

公开(公告)号：US07591424B2

公开(公告)日：2009-09-22

申请号：US11394993

申请日：2006-03-30

申请人： Xingheng Wang ,  Mahesh Jayaram ,  Rajesh Kuppuswamy ,  Stuart H. Marshall ,  Yunkai Zhou

发明人： Xingheng Wang ,  Mahesh Jayaram ,  Rajesh Kuppuswamy ,  Stuart H. Marshall ,  Yunkai Zhou

IPC分类号： G06K15/00

CPC分类号： G06Q20/00 ,  G06Q30/0601

摘要： Various technologies and techniques are disclosed that improve an ecommerce payment process. The system receives a selection from a user to perform a checkout operation for items in a shopping cart. The system receives a payment type selection from a user and creates an encrypted packet of order information. The user is redirected to a URL of a third party payment processing system that supports the selected payment type for the user's country. The encrypted information is posted securely to the payment system and includes details standard across payment types. A user interface theme identifier is included to allow the third party system to provide a consistent user interface. The third party system accepts the standard details in the encrypted packet and implements the payment type specific details. The ecommerce system receives notification that the payment process succeeded and provisioning resumes by providing the purchased items to the user.

摘要翻译： 公开了改进电子商务支付过程的各种技术和技术。 系统从用户接收对购物车中的物品进行结帐操作的选择。 系统从用户接收支付类型选择并创建加密的订单信息包。 用户被重定向到支持用户国家的所选支付类型的第三方支付处理系统的URL。 加密的信息安全地发布到支付系统，并包括支付类型的标准。 包括用户界面主题标识符，以允许第三方系统提供一致的用户界面。 第三方系统接受加密包中的标准细节，并实现付款类型的具体细节。 电子商务系统通过向用户提供所购买的商品，接收到支付过程成功的通知，并且提供恢复供应。

公开(公告)号：US20050144099A1

公开(公告)日：2005-06-30

申请号：US10746389

申请日：2003-12-24

申请人： Indrojit Deb ,  Stuart Marshall ,  Xingheng Wang ,  John Gallelli ,  Rangaprasad Narasimhan ,  Newton Sanches ,  Jun Yin ,  David Brennan ,  Bharat Shyam

发明人： Indrojit Deb ,  Stuart Marshall ,  Xingheng Wang ,  John Gallelli ,  Rangaprasad Narasimhan ,  Newton Sanches ,  Jun Yin ,  David Brennan ,  Bharat Shyam

IPC分类号： G06Q30/00 ,  G06Q20/00 ,  G06Q50/00 ,  G07F7/08 ,  G07F19/00 ,  H04L12/16 ,  G06F17/60

CPC分类号： G07F7/08 ,  G06Q20/12 ,  G06Q20/29 ,  G06Q20/4037 ,  G06Q40/00

摘要： The present invention involves a system and method that facilitate a purchasing experience in part by consolidating any number of purchases and their respective charge amounts until the purchases or charge amounts reach a threshold level. The threshold level can be based in part on resources used (consumed or purchased) or on the corresponding monetary value. The threshold level can be determined based at least in part on several factors such as the type of resource being purchased, the volume of resources purchased at a time or over a period of time, customer's payment history, customer's usage history, feedback received from the customer's payment provider, the type of payment vehicle (e.g., credit card, stored value card), time of the purchase, etc. When the threshold is reached, payment is requested asynchronously. The customer's account can be suspended or cancelled if payment cannot be secured within a desired amount of time.

摘要翻译： 本发明涉及通过整合任何数量的购买及其各自的收费金额来部分地促进购买体验的系统和方法，直到购买或收费金额达到阈值水平为止。 阈值水平可以部分基于所使用的资源（消费或购买）或相应的货币价值。 阈值水平可以至少部分地基于以下几个因素来确定，诸如所购买的资源的类型，一次或一段时间内购买的资源量，客户的支付历史，客户的使用历史，从 客户支付提供者，付款方式（例如信用卡，储值卡），购买时间等。达到门槛时，异步请求付款。 如果在期望的时间内无法确保付款，客户的帐户可以被暂停或取消。