公开(公告)号：US08626592B2

公开(公告)日：2014-01-07

申请号：US13846924

申请日：2013-03-18

Applicant: Google Inc.

Inventor： Pavel Simakov ,  Osama Bedier ,  Angela Chun Wah Lai ,  Prasenjit Phukan

IPC: G06Q20/00

CPC classification number: G06Q20/409 ,  G06Q20/3572 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4037 ,  G06Q20/405

Abstract: Novel features to be used in a proxy card payment system include a real-time request to override a declined transaction or to select a different financial account and the insertion of user identification information into the transaction approval message sent to the merchant. A payment request is forwarded to the payment system, which maintains the proxy card account and determines whether the transaction violates a user-defined rule. If the transaction is declined by the issuer that maintains the financial account, or the payment system for violation of a user-defined rule, the payment system sends a real-time message to the user. The user is prompted to override the rule causing the transaction to be declined or to select a new account to process the transaction. Once the payment system receives authorization for the transaction, it inserts the user identification information in an approval message before transmitting the approval to the merchant.

Abstract translation: 在代理卡支付系统中使用的新功能包括覆盖被拒绝的交易或者选择不同的金融账户以及将用户识别信息插入到商家的交易批准消息中的实时请求。 支付请求被转发到支付系统，支付系统维护代理卡帐户，并确定交易是否违反用户定义的规则。 如果交易由维护金融账户的发行人或违反用户定义规则的支付系统拒绝，则支付系统向用户发送实时消息。 提示用户覆盖规则，导致事务被拒绝或选择一个新帐户来处理事务。 一旦支付系统接收到交易的授权，则在向商家发送批准之前，将用户识别信息插入到批准消息中。

公开(公告)号：US20150371233A1

公开(公告)日：2015-12-24

申请号：US14837471

申请日：2015-08-27

Applicant: GOOGLE INC.

Inventor： Pavel Simakov ,  Osama Bedier ,  Angela Chun Wah Lai ,  Prasenjit Phukan

IPC: G06Q20/40

CPC classification number: G06Q20/409 ,  G06Q20/3572 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4037 ,  G06Q20/405

Abstract: Novel features to be used in a proxy card payment system include a real-time request to override a declined transaction or to select a different financial account and the insertion of user identification information into the transaction approval message sent to the merchant. A payment request is forwarded to the payment system, which maintains the proxy card account and determines whether the transaction violates a user-defined rule. If the transaction is declined by the issuer that maintains the financial account, or the payment system for violation of a user-defined rule, the payment system sends a real-time message to the user. The user is prompted to override the rule causing the transaction to be declined or to select a new account to process the transaction. Once the payment system receives authorization for the transaction, it inserts the user identification information in an approval message before transmitting the approval to the merchant.

Abstract translation: 在代理卡支付系统中使用的新功能包括覆盖被拒绝的交易或者选择不同的金融账户以及将用户识别信息插入到商家的交易批准消息中的实时请求。 支付请求被转发到支付系统，支付系统维护代理卡帐户，并确定交易是否违反用户定义的规则。 如果交易由维护金融账户的发行人或违反用户定义规则的支付系统拒绝，则支付系统向用户发送实时消息。 提示用户覆盖规则，导致事务被拒绝或选择一个新帐户来处理事务。 一旦支付系统接收到交易的授权，则在向商家发送批准之前，将用户识别信息插入到批准消息中。

公开(公告)号：US20130290121A1

公开(公告)日：2013-10-31

申请号：US13846924

申请日：2013-03-18

Applicant: GOOGLE INC.

Inventor： Pavel Simakov ,  Osama Bedier ,  Angela Chun Wah Lai ,  Prasenjit Phukan

IPC: G06Q20/40

CPC classification number: G06Q20/409 ,  G06Q20/3572 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4037 ,  G06Q20/405

Abstract: Novel features to be used in a proxy card payment system include a real-time request to override a declined transaction or to select a different financial account and the insertion of user identification information into the transaction approval message sent to the merchant. A payment request is forwarded to the payment system, which maintains the proxy card account and determines whether the transaction violates a user-defined rule. If the transaction is declined by the issuer that maintains the financial account, or the payment system for violation of a user-defined rule, the payment system sends a real-time message to the user. The user is prompted to override the rule causing the transaction to be declined or to select a new account to process the transaction. Once the payment system receives authorization for the transaction, it inserts the user identification information in an approval message before transmitting the approval to the merchant.

Abstract translation: 在代理卡支付系统中使用的新功能包括覆盖被拒绝的交易或者选择不同的金融账户以及将用户识别信息插入到商家的交易批准消息中的实时请求。 支付请求被转发到支付系统，支付系统维护代理卡帐户，并确定交易是否违反用户定义的规则。 如果交易由维护金融账户的发行人或违反用户定义规则的支付系统拒绝，则支付系统向用户发送实时消息。 提示用户覆盖规则，导致事务被拒绝或选择一个新帐户来处理事务。 一旦支付系统接收到交易的授权，则在向商家发送批准之前，将用户识别信息插入到批准消息中。