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公开(公告)号：US11222329B2
公开(公告)日：2022-01-11
申请号：US13836326
申请日：2013-03-15
发明人： David Pardo , Anand Shekaran , Jose A. Alba , Michael J. Shaon , Aimee G. Musil , Michael S. Ameiss , Eric R. Kitchen
摘要： Registration information for a plurality of consumers is obtained at an electronic wallet platform. A mechanism is provided to integrate the electronic wallet platform with a plurality of merchants. Via the electronic wallet platform, a given one of the consumers is afforded an option to select from multiple methods to pay for a transaction with a given one of the merchants. The multiple methods are based, at least in part, on the registration information. At least one of the multiple methods includes a virtual card number. Further steps include obtaining, from the given one of the consumers, a selection of the virtual card number for payment for the transaction; and providing the given one of the merchants with the virtual card number.
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公开(公告)号：US20220122061A1
公开(公告)日：2022-04-21
申请号：US17563938
申请日：2021-12-28
摘要： Systems and methods are provided for managing tokens from token providers and facilitating network transactions involving the tokens. One example computer-implemented method includes receiving, by a payment network, an external token for a payment account from an external token provider and storing the external token in a vault data structure. The external token provider is separate from the payment network. The method then includes intercepting, by the payment network, an authorization request message for a transaction involving the payment account. And, when the authorization request message includes the external token, the method includes identifying a primary account number (PAN) for the payment account based on a mapping of the external token with the PAN in the vault data structure and initiating at least one PAN-dependent service associated with the payment account, despite the external token being generated by the token provider that is separate from the payment network.
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公开(公告)号：US20190197548A1
公开(公告)日：2019-06-27
申请号：US15850924
申请日：2017-12-21
CPC分类号： G06Q20/4016 , G06Q20/12 , G06Q20/367 , G06Q20/382 , H04L9/32
摘要： Systems and methods are provided for processing network transactions based on use of tokens in the transactions. An exemplary system includes a network having a memory and a processor coupled to the memory, where the memory includes a token vault data structure having a listing of tokens stored therein in association with corresponding account numbers. In connection therewith, the processor is configured to receive a network request message from a routing network different than the network, where the network request message includes a token associated with an account involved in a transaction but not an actual account number used in the transaction. In response to the network request message, the processor is configured to convert the token to an account number associated with the account, based on the listing of tokens in the token vault data structure, and transmit the account number to the routing network.
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公开(公告)号：US08812396B2
公开(公告)日：2014-08-19
申请号：US13668569
申请日：2012-11-05
发明人： Jose A. Alba , Michael J. Shaon , Aimee G. Musil , Michael S. Ameiss , Eric R. Kitchen , David Pardo , Anand Shekaran
IPC分类号： G06Q40/00
CPC分类号： G06Q10/0831 , G06Q20/363 , G06Q30/0633
摘要： Local shipping addresses in a first country are assigned to a plurality of consumers having physical addresses in at least one country other than the first country. A request is obtained, from an e-commerce retailer, for a corresponding one of the local shipping addresses. Product information, an indication of a desired form of shipping from the e-commerce retailer to the corresponding one of the local shipping addresses, and an indication of a desired form of shipping from the corresponding one of the local shipping addresses to a corresponding one of the physical addresses in the at least one country other than the first country are obtained. An indication of an estimated fully landed cost associated with the on-line shopping session is dispatched.
摘要翻译： 第一国家的本地运送地址被分配给在除了第一国家之外的至少一个国家中具有物理地址的多个消费者。 从电子商务零售商获得相应的一个本地运送地址的请求。 产品信息，从电子商务零售商到相应的一个本地运送地址的期望的运送形式的指示，以及从相应的一个本地运送地址到相应的一个本地运送地址的期望的运送形式的指示 获得除第一个国家以外的至少一个国家的物理地址。 发出与在线购物会议相关的估计完全降落成本的指示。
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公开(公告)号：US10671983B2
公开(公告)日：2020-06-02
申请号：US15341836
申请日：2016-11-02
发明人： Sharon Mohrlock , Winifred Elizabeth House , Carol A. Jonak , Suman Rausaria , Mike Rethorn , Aimee G. Musil , Jill E. Chong , Maria Rice , Anushree Ashutosh Prabhune , Richard Lower
IPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/08 , G06Q20/38 , H04L12/741
摘要： A message routing and processing computing device and associated methods for routing and processing computer messages are disclosed. The message routing and processing computing device stores payment account identifiers and associated message routing instructions and is configured to receive a computer message including a payment account identifier. Based, at least in part, on the payment account identifier, the message routing and processing computing device determines a message route for the message and routes the message accordingly.
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公开(公告)号：US20180121895A1
公开(公告)日：2018-05-03
申请号：US15341836
申请日：2016-11-02
发明人： Sharon Mohrlock , Winifred Elizabeth House , Carol A. Jonak , Suman Rausaria , Mike Rethorn , Aimee G. Musil , Jill E. Chong , Maria Rice , Anushree Ashutosh Prabhune , Richard Lower
摘要： A message routing and processing computing device and associated methods for routing and processing computer messages are disclosed. The message routing and processing computing device stores payment account identifiers and associated message routing instructions and is configured to receive a computer message including a payment account identifier. Based, at least in part, on the payment account identifier, the message routing and processing computing device determines a message route for the message and routes the message accordingly.
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公开(公告)号：US20150052010A1
公开(公告)日：2015-02-19
申请号：US14461534
申请日：2014-08-18
发明人： Jose A. Alba , Michael J. Shaon , Aimee G. Musil , Michael S. Ameiss , Eric R. Kitchen , David Pardo , Anand Shekaran
CPC分类号： G06Q10/0831 , G06Q20/363 , G06Q30/0633
摘要： Local shipping addresses in a first country are assigned to consumers having physical addresses in one or more different countries. In connection with an on-line shopping session at an e-commerce retailer, a request is obtained, from the e-commerce retailer, for a corresponding one of the local shipping addresses; the same is supplied to the e-commerce retailer in response to the request. Product information and an indication of a desired form of shipping from the e-commerce retailer to the local shipping address are obtained; as are an indication of a desired form of shipping from the local shipping address to a corresponding one of the physical addresses. An indication of an estimated fully landed cost associated with the on-line shopping session is dispatched.
摘要翻译： 第一个国家/地区的本地运送地址分配给具有一个或多个不同国家/地区的实际地址的消费者。 关于在电子商务零售商的在线购物会话，从电子商务零售商获得相应的一个本地运送地址的请求; 电子商务零售商也是根据这一要求提供的。 获得产品信息和从电子商务零售商到当地运送地址的所需运输形式的指示; 以及从本地运送地址到相应的一个物理地址的期望的运送形式的指示。 发出与在线购物会议相关的估计完全降落成本的指示。
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公开(公告)号：US20130179340A1
公开(公告)日：2013-07-11
申请号：US13668569
申请日：2012-11-05
发明人： Jose A. Alba , Michael J. Shaon , Aimee G. Musil , Michael S. Ameiss , Eric R. Kitchen , David Pardo , Anand Shekaran
IPC分类号： G06Q10/08
CPC分类号： G06Q10/0831 , G06Q20/363 , G06Q30/0633
摘要： Local shipping addresses in a first country are assigned to a plurality of consumers having physical addresses in at least one country other than the first country. A request is obtained, from an e-commerce retailer, for a corresponding one of the local shipping addresses. Product information, an indication of a desired form of shipping from the e-commerce retailer to the corresponding one of the local shipping addresses, and an indication of a desired form of shipping from the corresponding one of the local shipping addresses to a corresponding one of the physical addresses in the at least one country other than the first country are obtained. An indication of an estimated fully landed cost associated with the on-line shopping session is dispatched.
摘要翻译： 第一国家的本地运送地址被分配给在除了第一国家之外的至少一个国家中具有物理地址的多个消费者。 从电子商务零售商获得相应的一个本地运送地址的请求。 产品信息，从电子商务零售商到相应的一个本地运送地址的期望的运送形式的指示，以及从相应的一个本地运送地址到相应的一个本地运送地址的期望的运送形式的指示 获得除第一个国家以外的至少一个国家的物理地址。 发出与在线购物会议相关的估计完全降落成本的指示。
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公开(公告)号：US20220058619A1
公开(公告)日：2022-02-24
申请号：US17516678
申请日：2021-11-01
发明人： David Pardo , Anand Shekaran , Jose A. Alba , Michael J. Shaon , Aimee G. Musil , Michael S. Ameiss , Eric R. Kitchen
摘要： Registration information for a plurality of consumers is obtained at an electronic wallet platform. A mechanism is provided to integrate the electronic wallet platform with a plurality of merchants. Via the electronic wallet platform, a given one of the consumers is afforded an option to select from multiple methods to pay for a transaction with a given one of the merchants. The multiple methods are based, at least in part, on the registration information. At least one of the multiple methods includes a virtual card number. Further steps include obtaining, from the given one of the consumers, a selection of the virtual card number for payment for the transaction; and providing the given one of the merchants with the virtual card number.
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公开(公告)号：US11232435B2
公开(公告)日：2022-01-25
申请号：US15610828
申请日：2017-06-01
摘要： Systems and methods are provided for managing tokens from different token providers and facilitating network transactions involving tokens from the different token providers. One exemplary method includes receiving a request to provision a token for a payment account to a party, where the payment account is associated with a payment network. The method also includes generating the requested token apart from the payment network, whereby the requested token is an external token, and transmitting the external token to the party. The method further includes transmitting, to the payment network, the external token and a PAN for the payment account associated with the external token, thereby permitting the payment network to map the token to the PAN and to provide PAN-dependent services for a transaction based on an authorization request message including the token but not the PAN.
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