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公开(公告)号：US20180047021A1
公开(公告)日：2018-02-15
申请号：US15231978
申请日：2016-08-09
CPC分类号： G06Q20/409 , G06Q20/12 , G06Q20/385
摘要： Provided are a system and methods for reducing the amount of payment information stored by a merchant. In one example, a method includes receiving payment card information of a cardholder from a payment information receiving module displayed in a web browser of a computing device, generating a token for the payment card information received from the payment information receiving module, and transmitting the generated token to a merchant server for a transaction between the merchant and the cardholder. According to various aspects, the payment information receiving module is displayed in the web browser of the computing device in response to a merchant website being displayed therein, and the payment card information is received by the payment processing server, from the payment information receiving module, without being stored by the computing device and without passing through the merchant server.
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公开(公告)号：US20190108582A1
公开(公告)日：2019-04-11
申请号：US16152821
申请日：2018-10-05
摘要： A digital account reference is associated with a user's account. A refund message is received. The refund message includes the digital account reference. A monetary amount is credited to the user's account based on the refund message. A notification is transmitted to the user. The notification is about the credit to the account. The transmission of the notification occurs immediately after the refund message is received.
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3.发明公开公开(公告)号：US20240054471A1
公开(公告)日：2024-02-15
申请号：US17886918
申请日：2022-08-12
发明人： Christopher Loh , Gerardo Cardone , John J. Doherty , Luis Filipe de Almeida Ferreira da Silva , Nishith Shah , Robert Gerald Leonard , Smita Sebastian
CPC分类号： G06Q20/223 , G06Q20/204 , G06Q20/4012 , G06Q2220/00
摘要： Systems and methods for providing push payment transaction processing in a card-present environment are provided. The described push payment transactions processing enables a user having any form factor visiting at a merchant location accepting payment cards to perform push payment transactions. Indeed, push payment transactions can be supported from physical point-of-sale (“POS”) or originate from POS terminals. During the described push payment transaction processing, a merchant acquirer can receive, from a POS terminal, a push payment transaction request comprising at least a transaction type indicating a push payment transaction, transaction information, authorization data, and sender information. In response to receiving the push payment transaction request, the merchant acquirer can generate an application programming interface (API) request package comprising the push payment transaction request; and communicate the API request package to an intermediary platform connected to a payment network.
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公开(公告)号：US20190188694A1
公开(公告)日：2019-06-20
申请号：US15845658
申请日：2017-12-18
CPC分类号： G06Q20/385 , G06Q20/12 , G06Q20/20 , G06Q20/382 , G06Q2220/00
摘要： A merchant computer system receives a first token transmitted to the merchant computer system from a customer device. A request for a second token is transmitted from the merchant computer system to a payment processor computer. The request includes the first token. The merchant computer system receives the second token that it requested. The second token is different from the first token. The merchant computer system transmits a payment account system transaction request to the payment processor computer. The latter request includes the second token.
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公开(公告)号：US20180357592A1
公开(公告)日：2018-12-13
申请号：US15618053
申请日：2017-06-08
发明人： Uthra Agrawal , Shunmuga Sundaram Mohankumar , Smita Sebastian , Gautam Uppalapati , Steve Podgorski
IPC分类号： G06Q10/08
CPC分类号： G06Q10/083 , G06Q30/02 , G06Q30/0209 , G06Q30/06 , G06Q30/0641
摘要： Systems and methods are provided for facilitating interactive delivery of a product to a recipient, through compiled delivery scenarios. One exemplary method includes soliciting a parameter (or parameters) associated with a product subject to purchase by a consumer, and transmitting an invitation to an interactive delivery of the product to a recipient. The method also includes compiling a scenario for the interactive delivery of the product based on the parameter(s) and, in response to acceptance of the invitation, transmitting the scenario to a communication device associated with the recipient. The method further includes appending a product insignia to the scenario in response to the communication device traveling to at least one intermediate location of the scenario, and transmitting a confirmation for the product when the communication device travels to a delivery location associated with the product insignia, whereby the recipient is permitted to receive the product based on the confirmation.
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公开(公告)号：US11455592B2
公开(公告)日：2022-09-27
申请号：US15618053
申请日：2017-06-08
发明人： Uthra Agrawal , Shunmuga Sundaram Mohankumar , Smita Sebastian , Gautam Uppalapati , Steve Podgorski
摘要： Systems and methods are provided for facilitating interactive delivery of a product to a recipient, through compiled delivery scenarios. One exemplary method includes soliciting a parameter (or parameters) associated with a product subject to purchase by a consumer, and transmitting an invitation to an interactive delivery of the product to a recipient. The method also includes compiling a scenario for the interactive delivery of the product based on the parameter(s) and, in response to acceptance of the invitation, transmitting the scenario to a communication device associated with the recipient. The method further includes appending a product insignia to the scenario in response to the communication device traveling to at least one intermediate location of the scenario, and transmitting a confirmation for the product when the communication device travels to a delivery location associated with the product insignia, whereby the recipient is permitted to receive the product based on the confirmation.
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公开(公告)号：US11244322B2
公开(公告)日：2022-02-08
申请号：US16133892
申请日：2018-09-18
发明人： Smita Sebastian , Pablo Fourez , Mary K Rechert , Jeanne B Moore
摘要： A method includes associating a virtual card number (VCN) with an account owned by a customer. The VCN is in a format used for account numbers in a payment card system. The account is not a payment card system account. After a P2M (person to merchant) push payment transaction funded by the account, a request is received from the customer to perform a chargeback with respect to the P2M transaction. A message is transmitted to execute the requested chargeback. The message includes the VCN.
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公开(公告)号：US20200090180A1
公开(公告)日：2020-03-19
申请号：US16133892
申请日：2018-09-18
发明人： Smita Sebastian , Pablo Fourez , Mary K Rechert , Jeanne B Moore
摘要： A method includes associating a virtual card number (VCN) with an account owned by a customer. The VCN is in a format used for account numbers in a payment card system. The account is not a payment card system account. After a P2M (person to merchant) push payment transaction funded by the account, a request is received from the customer to perform a chargeback with respect to the P2M transaction. A message is transmitted to execute the requested chargeback. The message includes the VCN.
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