公开(公告)号：US11551211B1

公开(公告)日：2023-01-10

申请号：US15865146

申请日：2018-01-08

Applicant: Stripe, Inc.

Inventor： Robin B. Hutchison ,  Robert J. Llewellyn ,  Andre F. Viljoen ,  David Griffiths, Jr. ,  David Birch ,  Iain M. Begg

IPC: G06Q20/38 ,  G06Q20/02 ,  G06Q30/06 ,  G06Q40/02 ,  G06Q20/08 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/24 ,  G06Q20/36 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q30/04

Abstract: A virtual payment system for paying for goods, services and content ordered over an internetwork is disclosed. The virtual payment system includes a commerce gateway. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established with the commerce gateway, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment account. A buyer may create sub-accounts.

公开(公告)号：US11423400B1

公开(公告)日：2022-08-23

申请号：US15865175

申请日：2018-01-08

Applicant: Stripe, Inc.

Inventor： Robin B. Hutchison ,  Robert J. Llewellyn ,  Andre F. Viljoen ,  David Griffiths, Jr. ,  David Birch ,  Iain M. Begg

IPC: G06Q20/38 ,  G06Q30/06 ,  G06Q20/02 ,  G06Q40/02 ,  G06Q20/08 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/24 ,  G06Q20/36 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q30/04

Abstract: A virtual payment system for paying for goods, services and content ordered over an internetwork is disclosed. The virtual payment system includes a commerce gateway. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established with the commerce gateway, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment account. A buyer may create sub-accounts.