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公开(公告)号：US20190259018A1
公开(公告)日：2019-08-22
申请号：US16276911
申请日：2019-02-15
摘要： Embodiments provide methods, server systems, and user devices for facilitating person to merchant payment transactions. In an embodiment, the method includes receiving, by a server system associated with a payment network, a payment transaction request. The payment transaction request is initiated using a messaging protocol on a user device. The payment transaction request includes a merchant ID, a payment card selected from one or more payment cards, and a transaction amount. The method includes verifying, by the server system, the merchant ID from a database including a listing of a plurality of merchant information. Upon successful verification of the merchant ID, the method includes facilitating, by the server system, the payment transaction of the transaction amount from an issuer account of a user to an acquirer account of a merchant.
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公开(公告)号：US11087310B2
公开(公告)日：2021-08-10
申请号：US16543098
申请日：2019-08-16
摘要： A method and server system for facilitating recurring customer payments to merchants are provided. A Quick Response (QR) code including a Standing Instruction (SI) flag is generated. The SI flag is capable of offering customers of a merchant with an option to pay for respective recurring payments using SI. The generated QR code is provided by the merchant to at least one customer. A first payment from among a set of recurring payments from a customer to the merchant is processed based on an input related to the SI provided by the customer subsequent to a selection of the option in the QR code by the customer. A unique identifier associated with a processing of the first payment from the customer to the merchant is generated and stored. Each subsequent payment is processed using the unique identifier and the input related to the SI.
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公开(公告)号：US20200175492A9
公开(公告)日：2020-06-04
申请号：US16276911
申请日：2019-02-15
摘要： Embodiments provide methods, server systems, and user devices for facilitating person to merchant payment transactions. In an embodiment, the method includes receiving, by a server system associated with a payment network, a payment transaction request. The payment transaction request is initiated using a messaging protocol on a user device. The payment transaction request includes a merchant ID, a payment card selected from one or more payment cards, and a transaction amount. The method includes verifying, by the server system, the merchant ID from a database including a listing of a plurality of merchant information. Upon successful verification of the merchant ID, the method includes facilitating, by the server system, the payment transaction of the transaction amount from an issuer account of a user to an acquirer account of a merchant.
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公开(公告)号：US20240362599A1
公开(公告)日：2024-10-31
申请号：US18642694
申请日：2024-04-22
发明人： Vairag Jain , Vijin Venugopalan , Jae-Youl Yang
CPC分类号： G06Q20/108 , G06Q20/36
摘要： Disclosed are example embodiments of systems and methods for provisioning and/or using tokens for unsupported accounts. In an example embodiment, a method generally includes receiving, by a token host computing device, from a wallet application in a mobile device, a provisioning request to provision a token for an account, where the account is unsupported by the wallet application. The method also includes generating a token for the account and storing the token in a memory in association with an account number for the account. The method then further includes returning the token to the wallet application, whereby the token is stored in the mobile device for use in initiating transactions to the account.
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公开(公告)号：US20210073788A1
公开(公告)日：2021-03-11
申请号：US17011023
申请日：2020-09-03
摘要： A computer-implemented method for issuance of a payment device includes: generating, from a transaction history of a first payment device of a user, usage parameters characteristic of usage of the first payment device, the first payment device being enabled for a first transaction type; generating one or more similarity scores based on a comparison of the usage parameters of the first payment device to corresponding usage parameters of one or more other payment devices that are enabled for a second transaction type for which the first payment device is not enabled; determining, from the one or more similarity scores, one or more matching payment devices of the other payment devices that satisfy a matching criterion; determining payment device configuration parameters of the one or more matching payment devices; and encoding, or causing to be encoded, payment device data in one or more machine-readable media, wherein the payment device data includes a new payment device number, an indication that the new payment device number is enabled for the second transaction type, and selected ones of the payment device configuration parameters.
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公开(公告)号：US20240311802A1
公开(公告)日：2024-09-19
申请号：US18606009
申请日：2024-03-15
发明人： Vijin Venugopalan , Vairag Jain
CPC分类号： G06Q20/36 , G06Q20/322 , G06Q20/352
摘要： Systems, methods, and computer program code are provided to contactlessly provision payment card information into a mobile wallet application of a mobile device are provided.
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公开(公告)号：US11030514B2
公开(公告)日：2021-06-08
申请号：US16386088
申请日：2019-04-16
摘要： The present disclosure relates to contactless payments using an electronic payment transaction environment. In particular, the disclosure provides methods, systems, and computer program products for implementing contactless payments based on a dual protocol display label including an optical code and an NFC tag, each configured to communicate merchant information for the purposes of enabling electronic payments to a merchant.
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公开(公告)号：US20200065796A1
公开(公告)日：2020-02-27
申请号：US16543098
申请日：2019-08-16
摘要： A method and server system for facilitating recurring customer payments to merchants are provided. A Quick Response (QR) code including a Standing Instruction (SI) flag is generated. The SI flag is capable of offering customers of a merchant with an option to pay for respective recurring payments using SI. The generated QR code is provided by the merchant to at least one customer. A first payment from among a set of recurring payments from a customer to the merchant is processed based on an input related to the SI provided by the customer subsequent to a selection of the option in the QR code by the customer. A unique identifier associated with a processing of the first payment from the customer to the merchant is generated and stored. Each subsequent payment is processed using the unique identifier and the input related to the SI.
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