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1. 发明申请

US20070078764A1 Scalable lazy payment capture in online commerce systems 审中-公开
标题翻译：在线商务系统中可扩展的懒惰支付
公开(公告)号：US20070078764A1
公开(公告)日：2007-04-05
申请号：US11243088
申请日：2005-10-04
申请人： Carlos Hoyos , Andrea Watkins Moryadas , Marcelo Perazolo , Mark Peters , Viswanath Srikanth
发明人： Carlos Hoyos , Andrea Watkins Moryadas , Marcelo Perazolo , Mark Peters , Viswanath Srikanth
IPC分类号： G06Q40/00
CPC分类号： G06Q20/12 , G06Q20/102 , G06Q40/02
摘要： Embodiments of the invention can include an online commerce system, method and computer program product configured for scalable lazy payment capture. The system can include an online commerce system configured for communicative coupling with a merchant account system and one or more customers over a data communications network. The system further can include scalable lazy payment capture logic coupled to the online commerce system. The scalable lazy payment capture logic can include program code enabled to selectively apply lazy payment capture to partial payments for authorized payment amounts for different customers using multiple different payment methods
摘要翻译：本发明的实施例可以包括在线商务系统，方法和计算机程序产品，其被配置用于可伸缩的懒惰支付捕获。该系统可以包括配置用于通过数据通信网络与商家帐户系统和一个或多个客户进行通信耦合的在线商务系统。系统还可以包括耦合到在线商务系统的可扩展延迟支付捕获逻辑。可扩展的延迟付款捕获逻辑可以包括程序代码，其能够使用多种不同的支付方式选择性地对不同客户的授权支付金额进行延迟支付捕获

2. 发明申请

US20090171683A1 Use of Constraints to Enforce Complex Payment Policies 有权
标题翻译：使用限制来执行复杂的付款政策
公开(公告)号：US20090171683A1
公开(公告)日：2009-07-02
申请号：US11966669
申请日：2007-12-28
申请人： Carlos Hoyos , Marcelo Perazolo , Viswanath Srikanth , Woodward S. Aichner
发明人： Carlos Hoyos , Marcelo Perazolo , Viswanath Srikanth , Woodward S. Aichner
IPC分类号： G06Q30/00 , G06F17/00
CPC分类号： G06Q20/12 , G06Q30/0281 , G06Q30/0603
摘要： A method of using constrained payments to enforce complex payment policies in electronic commerce (e-commerce) systems. An order capture component generates at least a first relationship object that corresponds to a first payment constraint rule. If an order item is placed in a shopping cart, and if the order item is associated with one or more payment constraint rules, and if one or more pre-conditions corresponding to the one or more payment constraint rules are satisfied, then the order capture component implements the one or more payment constraint rules. If one or more post-conditions corresponding to the one or more payment constraint rules are satisfied, then the order capture component submits a purchasing order from the shopping cart that includes the order item, such that the order item is constrained by the one or more payment constraint rules.
摘要翻译：一种使用限制性付款来执行电子商务（电子商务）系统中的复杂支付政策的方法。订单捕获组件至少生成与第一支付约束规则对应的第一关系对象。如果订单项被放置在购物车中，并且如果订单项与一个或多个支付约束规则相关联，并且如果满足与一个或多个支付约束规则相对应的一个或多个预条件，那么订单捕获组件实现一个或多个支付约束规则。如果满足与一个或多个支付约束规则相对应的一个或多个后续条件，则订单捕获组件从包括订单项的购物车中提交采购订单，使得订单项由一个或多个付款约束规则。

3. 发明申请

US20070250443A1 System and Method for Optimal Selection of Payment Authorizations in Complex Commerce Systems 有权
标题翻译：复杂商务系统中支付授权最优选择的系统与方法
公开(公告)号：US20070250443A1
公开(公告)日：2007-10-25
申请号：US11379304
申请日：2006-04-19
申请人： Carlos Hoyos , Marcelo Perazolo , Viswanath Srikanth
发明人： Carlos Hoyos , Marcelo Perazolo , Viswanath Srikanth
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q30/06 , G06Q40/00
摘要： A system and method for optimal selection of payment authorization in a complex commerce system is presented. A commerce system uses an algorithm to select an optimum payment authorization for a particular payment deposit. The algorithm allows the commerce system to support multiple types of authorizations while minimizing the number of payment transactions if possible. The algorithm also handles payment instrument priority, sufficient authorization amount availability, and a selection of a favorable set of payment authorizations for which to apply the payment deposit. Once the algorithm selects an optimum payment authorization for a particular payment deposit, the commerce system applies the payment deposit towards the optimum payment authorization in order to receive funds from an external payment provider.
摘要翻译：提出了一种在复杂商务系统中优化付款授权选择的系统和方法。商业系统使用算法为特定支付存款选择最佳支付授权。该算法允许商务系统支持多种类型的授权，同时尽可能地减少支付交易的数量。该算法还处理支付工具的优先权，足够的授权量可用性，以及选择适用于支付定金的一组有利的支付授权。一旦算法为特定的支付存款选择了最佳的支付授权，商业系统将支付存款应用于最佳支付授权，以从外部支付提供商接收资金。

4. 发明授权

US08380625B2 Use of constraints to enforce complex payment policies 有权
标题翻译：使用限制来执行复杂的支付政策
公开(公告)号：US08380625B2
公开(公告)日：2013-02-19
申请号：US11966669
申请日：2007-12-28
申请人： Carlos Hoyos , Marcelo Perazolo , Viswanath Srikanth , Woodward S. Aichner
发明人： Carlos Hoyos , Marcelo Perazolo , Viswanath Srikanth , Woodward S. Aichner
IPC分类号： G06Q40/00
CPC分类号： G06Q20/12 , G06Q30/0281 , G06Q30/0603
摘要： A method of using constrained payments to enforce complex payment policies in electronic commerce (e-commerce) systems. An order capture component generates at least a first relationship object that corresponds to a first payment constraint rule. If an order item is placed in a shopping cart, and if the order item is associated with one or more payment constraint rules, and if one or more pre-conditions corresponding to the one or more payment constraint rules are satisfied, then the order capture component implements the one or more payment constraint rules. If one or more post-conditions corresponding to the one or more payment constraint rules are satisfied, then the order capture component submits a purchasing order from the shopping cart that includes the order item, such that the order item is constrained by the one or more payment constraint rules.
摘要翻译：一种使用限制性付款来执行电子商务（电子商务）系统中的复杂支付政策的方法。订单捕获组件至少生成与第一支付约束规则对应的第一关系对象。如果订单项被放置在购物车中，并且如果订单项与一个或多个支付约束规则相关联，并且如果满足与一个或多个支付约束规则相对应的一个或多个预条件，那么订单捕获组件实现一个或多个支付约束规则。如果满足与一个或多个支付约束规则相对应的一个或多个后续条件，则订单捕获组件从包括订单项的购物车中提交采购订单，使得订单项由一个或多个付款约束规则。

5. 发明申请

US20080071840A1 Introducing Multi-Level Nested Kits Into Existing E-Commerce Systems 审中-公开
标题翻译：将多层次的嵌套套件引入现有的电子商务系统
公开(公告)号：US20080071840A1
公开(公告)日：2008-03-20
申请号：US11531722
申请日：2006-09-14
申请人： Viswanath Srikanth , Rajesh Balasubramaniam , Marcelo Perazolo , Carlos Hoyos
发明人： Viswanath Srikanth , Rajesh Balasubramaniam , Marcelo Perazolo , Carlos Hoyos
IPC分类号： G06F17/30
CPC分类号： G06F16/2255
摘要： A representation of static and dynamic nested kits in an existing e-commerce ordering system to facilitate migration of existing e-commerce systems to support nested kits. Physical components of a nested kit remain in an order item table of a database, but non-physical components are placed in a separate database table, and the in-memory representation of the nested kit is represented as a hash-map of nodes, where each node is aware of its parent and child relationship.
摘要翻译：在现有电子商务订购系统中呈现静态和动态嵌套套件，以便于现有电子商务系统迁移以支持嵌套工具包。嵌套套件的物理组件保留在数据库的订单项表中，但非物理组件放置在单独的数据库表中，嵌套套件的内存中表示形式表示为节点的散列映射，其中每个节点都知道其父和子关系。

6. 发明申请

US20070276766A1 System and Method for Preventing Multiple Charges for a Transaction in a Payment System 审中-公开
标题翻译：用于在付款系统中预防交易的多次收费的系统和方法
公开(公告)号：US20070276766A1
公开(公告)日：2007-11-29
申请号：US11456189
申请日：2006-07-08
申请人： Carlos Antonio Lorenzo Hoyos , Marcelo Perazolo , Mark E. Peters , Viswanath Srikanth , Andrea Jean Watkins Moryadas
发明人： Carlos Antonio Lorenzo Hoyos , Marcelo Perazolo , Mark E. Peters , Viswanath Srikanth , Andrea Jean Watkins Moryadas
IPC分类号： G06Q99/00
CPC分类号： G06Q20/405 , G06F16/958 , G06F21/552 , G06F21/566 , G06Q20/401 , G06Q30/0635 , H04L51/12 , H04L51/38 , H04L63/1416 , H04W4/14
摘要： A system and method for preventing multiple charges for a transaction in a payment system is presented. A payment system receives a payment operation request from the order system, and determines whether the payment operation is a duplication of a previous payment operation request. If so, the payment system retrieves stored financial transaction results and provides the financial transaction results to the order system. When the payment operation request is not a duplicate, the payment system contacts a payment provider to receive financial transaction results, which is passed to the order system and stored in a persistent data store.
摘要翻译：提出了一种用于在支付系统中防止交易的多个收费的系统和方法。支付系统从订单系统接收支付操作请求，并且确定支付操作是否是先前支付操作请求的复制。如果是这样，支付系统将检索存储的金融交易结果，并将金融交易结果提供给订单系统。当支付操作请求不重复时，支付系统与支付提供商联系以接收被传递到订单系统并存储在持久数据存储中的金融交易结果。

7. 发明授权

US07236909B1 Autonomic data assurance applied to complex data-intensive software processes by means of pattern recognition 有权
标题翻译：自动数据保证通过模式识别应用于复杂的数据密集型软件过程
公开(公告)号：US07236909B1
公开(公告)日：2007-06-26
申请号：US11464365
申请日：2006-08-14
申请人： Carlos A. L. Hoyos , Marcelo Perazolo , Viswanath Srikanth
发明人： Carlos A. L. Hoyos , Marcelo Perazolo , Viswanath Srikanth
IPC分类号： G06F11/00
CPC分类号： G06Q10/00
摘要： A method for predicting and automatically verifying data assurance of a plurality of data values located in software processes in an e-commerce environment by a pattern recognition module, the method comprising: running the software processes on a data processing device; priming the software processes for creating baseline information based on collected data values; evaluating the baseline information by the pattern recognition module by comparing the collected data values of the baseline information with predetermined data values of predetermined information stored in a baseline database; establishing relationships between the collected data values and the predetermined data values to produce output data; determining whether the output data is valid; flagging data values outside permitted bounds; permitting a user to perform manual data assurance on the data values outside the permitted bounds; and updating the baseline database to include the collected data values of the baseline information without the data values outside the permitted bounds.
摘要翻译：一种用于通过模式识别模块预测并自动验证位于电子商务环境中的软件过程中的多个数据值的数据保证的方法，所述方法包括：在数据处理设备上运行软件处理; 启动基于收集的数据值创建基准信息的软件过程; 通过将基线信息的收集的数据值与存储在基线数据库中的预定信息的预定数据值进行比较来评估模式识别模块的基线信息; 建立收集的数据值与预定数据值之间的关系，以产生输出数据; 确定输出数据是否有效; 将数据值标记在允许的范围之外; 允许用户对允许范围之外的数据值执行手动数据保证; 并更新基线数据库以包括基线信息的收集的数据值，而不将数据值超出允许范围。

8. 发明授权

US07735730B2 System and method for state-based execution and recovery in a payment system 有权
标题翻译：支付系统中基于状态的执行和恢复的系统和方法
公开(公告)号：US07735730B2
公开(公告)日：2010-06-15
申请号：US11420040
申请日：2006-05-24
申请人： Carlos Antonio Lorenzo Hoyos , Marcelo Perazolo , Viswanath Srikanth , Mark E. Peters , Andrea Jean Watkins Moryadas
发明人： Carlos Antonio Lorenzo Hoyos , Marcelo Perazolo , Viswanath Srikanth , Mark E. Peters , Andrea Jean Watkins Moryadas
IPC分类号： G06K5/00
CPC分类号： H04W4/14 , G06F21/552 , G06F21/566 , G06F2221/2101 , G06F2221/2115 , G06Q20/102 , G06Q40/00 , H04L51/12 , H04L51/38 , H04L63/1416
摘要： A system and method for state-based execution and recovery in a payment system is presented. A payment system uses a state machine to track completed sub-tasks using a state progress identifier and completion state data. When a failure occurs, stored completion state data and the state progress identifier indicate the last successfully completed sub-task. As such, when the payment system resumes payment operation execution after a failure, the state machine retrieves the stored completion state data and state progress identifier, and resumes execution based upon the retrieved information. As a result, the payment system continues payment operation execution at a point as to not duplicate the payment operation's previously completed sub-tasks.
摘要翻译：提出了一种用于支付系统中基于状态的执行和恢复的系统和方法。支付系统使用状态机使用状态进度标识符和完成状态数据跟踪完成的子任务。当发生故障时，存储的完成状态数据和状态进度标识符指示最后成功完成的子任务。因此，当支付系统在故障之后恢复支付操作执行时，状态机检索存储的完成状态数据和状态进度标识符，并且基于检索到的信息恢复执行。结果，支付系统在不重复支付操作先前完成的子任务的点上继续支付操作执行。

9. 发明授权

US07533060B2 System and method for optimal selection of payment authorizations in complex commerce systems 有权
标题翻译：用于在复杂商业系统中优化选择支付授权的系统和方法
公开(公告)号：US07533060B2
公开(公告)日：2009-05-12
申请号：US11379304
申请日：2006-04-19
申请人： Carlos Antonio Lorenzo Hoyos , Marcelo Perazolo , Viswanath Srikanth
发明人： Carlos Antonio Lorenzo Hoyos , Marcelo Perazolo , Viswanath Srikanth
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q30/06 , G06Q40/00
摘要： A system and method for optimal selection of payment authorization in a complex commerce system is presented. A commerce system uses an algorithm to select an optimum payment authorization for a particular payment deposit. The algorithm allows the commerce system to support multiple types of authorizations while minimizing the number of payment transactions if possible. The algorithm also handles payment instrument priority, sufficient authorization amount availability, and a selection of a favorable set of payment authorizations for which to apply the payment deposit. Once the algorithm selects an optimum payment authorization for a particular payment deposit, the commerce system applies the payment deposit towards the optimum payment authorization in order to receive funds from an external payment provider.
摘要翻译：提出了一种在复杂商务系统中优化付款授权选择的系统和方法。商业系统使用算法为特定支付存款选择最佳支付授权。该算法允许商务系统支持多种类型的授权，同时尽可能地减少支付交易的数量。该算法还处理支付工具的优先权，足够的授权量可用性，以及选择适用于支付定金的一组有利的支付授权。一旦算法为特定的支付存款选择了最佳的支付授权，商业系统将支付存款应用于最佳支付授权，以从外部支付提供商接收资金。

10. 发明申请

US20070288365A1 System and Method for State-Based Execution and Recovery in a Payment System 有权
标题翻译：支付系统中国家执行和恢复的系统和方法
公开(公告)号：US20070288365A1
公开(公告)日：2007-12-13
申请号：US11420040
申请日：2006-05-24
申请人： Carlos Antonio Lorenzo Hoyos , Marcelo Perazolo , Viswanath Srikanth
发明人： Carlos Antonio Lorenzo Hoyos , Marcelo Perazolo , Viswanath Srikanth
IPC分类号： G06Q40/00
CPC分类号： H04W4/14 , G06F21/552 , G06F21/566 , G06F2221/2101 , G06F2221/2115 , G06Q20/102 , G06Q40/00 , H04L51/12 , H04L51/38 , H04L63/1416
摘要： A system and method for state-based execution and recovery in a payment system is presented. A payment system uses a state machine to track completed sub-tasks using a state progress identifier and completion state data. When a failure occurs, stored completion state data and the state progress identifier indicate the last successfully completed sub-task. As such, when the payment system resumes payment operation execution after a failure, the state machine retrieves the stored completion state data and state progress identifier, and resumes execution based upon the retrieved information. As a result, the payment system continues payment operation execution at a point as to not duplicate the payment operation's previously completed sub-tasks.
摘要翻译：提出了一种用于支付系统中基于状态的执行和恢复的系统和方法。支付系统使用状态机使用状态进度标识符和完成状态数据跟踪完成的子任务。当发生故障时，存储的完成状态数据和状态进度标识符指示最后成功完成的子任务。因此，当支付系统在故障之后恢复支付操作执行时，状态机检索存储的完成状态数据和状态进度标识符，并且基于检索到的信息恢复执行。结果，支付系统在不重复支付操作先前完成的子任务的点上继续支付操作执行。

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