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    • 40. 发明授权
    • Method and system for processing recurrent consumer transactions
    • 处理经常性消费者交易的方法和系统
    • US07996288B1
    • 2011-08-09
    • US09713506
    • 2000-11-15
    • Salvatore J. Stolfo
    • Salvatore J. Stolfo
    • G06Q40/00
    • G06Q30/06G06Q20/04G06Q20/12G06Q20/385G06Q40/00G06Q40/025
    • In a communications network-based system, a method for securely processing recurrent consumer transactions. Merchant-specific proxy financial account information is provided to a user and maintained in a database, the proxy financial account information valid for transactions at a single merchant only. A request for transaction approval is received from a merchant, the request including a merchant identifier and a user's proxy financial account information. The database is queried to determine if the proxy financial account is valid for the merchant seeking transaction approval. The proxy financial account information may include a credit card account number and/or a proxy billing address linked to a financial account. A merchant identifier string, identifying the authorized merchant, may be encoded in the credit card number and/or proxy billing address. A communications network-based system and software program for implementing the present invention are also disclosed.
    • 在基于通信网络的系统中,用于安全地处理经常性的消费者交易的方法。 特定于商户的代理金融账户信息被提供给用户并维护在数据库中,代理金融账户信息仅对单个商家的交易有效。 从商家接收到交易批准请求,该请求包括商家标识符和用户代理金融帐户信息。 查询数据库以确定代理财务帐户是否对寻求交易批准的商户有效。 代理金融账户信息可以包括链接到金融账户的信用卡帐号和/或代理帐单地址。 识别授权商家的商家标识符字符串可以被编码在信用卡号码和/或代理帐单地址中。 还公开了用于实现本发明的基于通信网络的系统和软件程序。