公开(公告)号：US20160132876A1

公开(公告)日：2016-05-12

申请号：US14177969

申请日：2014-02-11

Applicant: GOOGLE INC.

Inventor： Christopher Petersen ,  Tim Kuchlein ,  Peter Hazlehurst ,  Harry Lee Butler, IV

IPC: G06Q20/40

CPC classification number: G06Q20/36 ,  G06Q20/227

Abstract: Redeeming closed loop payment instruments in wallet account transactions comprises a payment system server configured to associate financial accounts with a payment account of a user, comprising at least one closed loop account. The server receives, from a card network, a first payment authorization request originating from a merchant, comprising the payment account identifier and a request to fund a transaction. The server communicates, to a closed loop account issuer computing system, a redemption request to redeem funds from the closed loop account. The server receives a redemption of funds from the closed loop account. The server deducts the redeemed funds redeemed from a total amount of funds requested in the first payment authorization request. Upon receiving the funds, the server communicates to the merchant computing system a second authorization for the total amount of funds requested in the first authorization request based on the redemption of funds.

Abstract translation: 在电子钱包帐户交易中兑换闭环支付工具包括被配置为将财务账户与用户的支付账户相关联的支付系统服务器，其包括至少一个闭环账户。 服务器从卡网络接收来自商家的第一支付授权请求，其包括支付帐户标识符和为交易提供资金的请求。 服务器向闭环帐户发行者计算系统通信从闭环账户兑换资金的兑换请求。 服务器从闭环帐户收到资金的赎回。 服务器从第一次付款授权请求中请求的总金额扣除已赎回的已赎回资金。 在收到资金后，服务器根据资金的赎回向商家计算系统通报第一授权请求中所请求的资金总额的第二授权。