公开(公告)号：US20140012692A1

公开(公告)日：2014-01-09

申请号：US14027062

申请日：2013-09-13

Applicant: EBAY INC.

Inventor： Hugo Olliphant ,  George Lee ,  Brian Phillips

IPC: G06Q20/22

CPC classification number: G06Q20/409 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/227 ,  G06Q20/24 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q30/02

Abstract: A system and method for facilitating a financial transaction over a network including use of a passphrase account identifier is described herein. In one embodiment, a system for facilitating a financial transaction over a network comprises a communication interface; and a payment provider system configured to receive via the communication interface a passphrase account identifier from a merchant system, match the passphrase account identifier to a corresponding funding instrument number of a corresponding funding instrument, communicated the corresponding funding instrument number to an issuer system, receive from the issuer system a notification indication of one of acceptance of the funding instrument or decline of the funding instrument, and communicate back to the merchant system the notification indication.

Abstract translation: 本文描述了一种用于促进通过网络的金融交易的系统和方法，包括使用密码短语帐户标识符。 在一个实施例中，用于促进通过网络的金融交易的系统包括通信接口; 以及支付提供者系统，被配置为经由所述通信接口从商家系统接收密码短语帐户标识符，将所述密码短语帐户标识符与对应的资助工具的相应的资金工具号码相匹配，将相应的资金工具号码传送给发行者系统，接收 来自发行人系统的通知指示是接受融资工具之一或拒绝资金工具，并向商家系统通知通知指示。