公开(公告)号：US20160012432A1

公开(公告)日：2016-01-14

申请号：US14796275

申请日：2015-07-10

Applicant: THE TORONTO-DOMINION BANK

Inventor： Mahnaz Meshkati ,  John Anthony Tarnowski ,  Lauren van Heerden ,  Orin Del Vecchio ,  Paul Mon-Wah Chan ,  Dino D'Agostino

IPC: G06Q20/38 ,  G06Q20/32

CPC classification number: G06Q20/3821 ,  G06Q20/20 ,  G06Q20/322 ,  G06Q20/4014

Abstract: A method of credential-based electronic payment processing involves a credential processing server receiving from a mobile communications device a payment initiation request for initiating payment with a payment terminal, and providing the mobile communications device with a mode authorization for an authorized communications mode for the mobile communications device to provide the payment terminal with a payment pre-authorization credential. The payment pre-authorization credential is uniquely associated with a financial account and pre-authorizes electronic payment from the financial account. The credential processing server receives from the payment terminal a payment clearing request that identifies a payment amount and includes the payment pre-authorization credential. The credential processing server determines particulars of the financial account from the payment pre-authorization credential, and effects settlement of the electronic payment by forwarding over a payment network a settlement request message identifying the payment amount and the financial account particulars.

Abstract translation: 一种基于凭证的电子支付处理方法涉及凭证处理服务器，从移动通信设备接收用于支付终端支付的支付发起请求，以及向移动通信设备提供用于移动电话的授权通信模式的模式授权 通信设备向支付终端提供支付预授权凭证。 支付预授权凭证与金融账户唯一相关联，并且预先授权来自金融账户的电子支付。 凭证处理服务器从支付终端接收用于识别支付金额的支付结算请求，并且包括支付预授权凭证。 凭证处理服务器从支付预授权凭证确定金融账户的细节，并且通过在支付网络上转发识别支付金额和金融账户细节的结算请求消息来影响电子支付的结算。