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1.发明申请公开(公告)号：US20220327540A1
公开(公告)日：2022-10-13
申请号：US17844979
申请日：2022-06-21
发明人： Irina Singh , Sandeep Malhotra , Suman Rausaria
摘要： Methods and systems for providing a refund amount to a customer account for a payment transaction that occurred using a real-time payment network. In an embodiment, a supplemental payment services computer receives a refund request including a transaction reference and a token concerning a payment transaction between a merchant and a customer, determines that the payment transaction was effected in a real-time payment network, determines an issuer financial institution (FI) computer of an issuer FI maintaining a customer account represented by the token, transmits the refund request to the issuer FI computer, receives a favorable authorization response and transmits the authorization response to an acquirer FI computer associated with the merchant. The supplemental payment services computer also transmits a payment card network funds transfer credit message directing the issuer FI to credit the refund amount to the customer account and transmits a payment card network funds transfer debit message directing the acquirer FI to debit the refund amount from an account of the merchant to the acquirer FI computer. Next, the refund amount from the acquirer FI computer to the issuer FI computer is settled via a payment card account network settlement system computer.
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2.发明授权公开(公告)号：US11386432B2
公开(公告)日：2022-07-12
申请号：US16440055
申请日：2019-06-13
发明人： Irina Singh , Sandeep Malhotra , Suman Rausaria
摘要： A request for a refund is received relative to a payment transaction implemented in a real-time payment system. The request is transmitted to an issuer financial institution that maintains an account for the payer in the payment transaction. A response is received from the issuer financial institution. The response is transmitted to an acquirer financial institution that provides financial services to the recipient of the payment transaction. A first transfer message is transmitted to the issuer financial institution directing the issuer financial institution to credit a refund amount to the payer's account and to debit a settlement holding account maintained by the issuer financial institution. A second transfer message is transmitted to the acquirer financial institution to debit the refund amount from the recipient's account. The refund amount is settled from the acquirer financial institution to the issuer financial institution via a payment card account network settlement system.
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公开(公告)号：US20230410080A1
公开(公告)日：2023-12-21
申请号：US17843559
申请日：2022-06-17
CPC分类号： G06Q20/24 , G06Q20/385 , G06Q40/025 , G06Q20/202
摘要： A payment management system and method of managing a payment network includes generating a payment token based on a bank account of a user (e.g., a buyer), receiving a dynamic code through a network for a transaction, and validating a request for payment of the transaction using an installment plan based on funds from the bank account. The validating the request for payment of the transaction is performed based on operations which include authenticating the payment token and verifying the dynamic code. In addition, the method includes generating a decision signal indicating a decision for the request when the request for payment is validated and transmitting the decision signal to a merchant system to authorize or decline completion of the transaction.
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公开(公告)号：US20200294012A1
公开(公告)日：2020-09-17
申请号：US16888211
申请日：2020-05-29
发明人： Sharon Mohrlock , Winifred Elizabeth House , Carol A. Jonak , Suman Rausaria , Mike Rethorn , Aimee 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：US10762406B2
公开(公告)日：2020-09-01
申请号：US16567439
申请日：2019-09-11
摘要： Methods and apparatus for generating a secure QR code for use in a purchase transaction. In an embodiment, a directory service computer verifies the identity of a merchant by matching an acquirer financial institution (FI)-signed certificate and a stored certificate, wherein the acquirer FI-signed certificate was received from a merchant device along with a secure QR code request. The directory service computer then establishes an encrypted and Pinned SSL tunnel with the merchant device, receives a transaction message including a transaction amount, a universal unique identifier (UUID), and a transaction identifier (ID), updates an application transaction count (ATC) associated with the merchant, and generates and stores a secure one-way Hash value, generated by using a merchant identifier (ID), the transaction amount, the ATC, the UUID, and the transaction ID. The directory service computer next generates a dynamic secure QR code by combining the Hash value, the transaction ID and the merchant ID, and transmits the dynamic secure QR code to the merchant device for use in conducting a purchase transaction.
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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：US20190156167A1
公开(公告)日：2019-05-23
申请号：US15817530
申请日：2017-11-20
摘要： Methods and apparatus for generating a secure QR code. In an embodiment, a directory service computer receives a secure QR code request from a merchant device that includes an acquirer financial institution (FI)-signed certificate. The directory service computer verifies the identity of a merchant, identifies a merchant identifier (ID), establishes an encrypted and Pinned SSL tunnel with the merchant device, and receives via the encrypted and Pinned SSL tunnel from the merchant device, a transaction message including a transaction amount, a universal unique identifier (UUID), and a transaction identifier (ID). The directory service computer then generates a Hash value, generates a dynamic secure QR code by combining the Hash value, the transaction ID and the merchant ID, and transmits the dynamic secure QR code data to the merchant device to conduct a purchase transaction.
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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：US20210241255A1
公开(公告)日：2021-08-05
申请号：US16778747
申请日：2020-01-31
发明人： Gary Adler , Suman Rausaria , Harish Pindolia
摘要： Systems, apparatuses and methods may provide for technology to determine that first details associated with a first electronic payment process are absent and identify that second details are selected by a user. The second details may be associated with a second electronic payment process and further the second details may be associated with the first details. The technology may also determine that the first details are to be retrieved based on the second details and cause the second details to be transmitted.
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公开(公告)号：US20210103910A1
公开(公告)日：2021-04-08
申请号：US16593080
申请日：2019-10-04
摘要： A payment card account system transaction request is received. The request was initiated by acceptance of a payment card account transaction by a merchant. The request includes a transaction amount. It is determined whether the merchant has selected EFT (electronic funds transfer) settlement for the payment card account transaction that the merchant accepted. In response to the receiving step and also in response to a result of the determination as to whether EFT settlement was selected, an EFT transaction request is routed for the transaction amount to an EFT system to benefit the merchant.
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