专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

1. 发明授权

US10346838B2 Systems and methods for distributed enhanced payment processing 有权
公开(公告)号：US10346838B2
公开(公告)日：2019-07-09
申请号：US13743283
申请日：2013-01-16
申请人： Mercury Payment Systems, LLC
发明人： Matthew D. Ozvat , Michelle K. Plomske , Charles E. Watts , Robert Bonestell , Daniel Ourada , Kevin Oliver
IPC分类号： G06Q20/40 , G06Q20/02 , G06Q20/20
摘要： A distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a remote virtual electronic payment (VEP) entity system. Upon receiving a VEP entity system response, the payment management system outputs the response and token to the POS terminal system.

2. 发明申请

US20140108261A1 SYSTEMS AND METHODS FOR PAYMENT MANAGEMENT FOR SUPPORTING MOBILE PAYMENTS 审中-公开
标题翻译：用于支付移动支付的支付管理系统和方法
公开(公告)号：US20140108261A1
公开(公告)日：2014-04-17
申请号：US14046912
申请日：2013-10-04
申请人： Mercury Payment Systems, LLC
发明人： Travis Lee Priest , Daniel J. Ourada , Matthew D. Ozvat , Daniel J. Murphy , Nicholas G. Nayfack , Charles E. Watts
IPC分类号： G06Q20/32 , G06Q20/40 , G06Q20/20
CPC分类号： G06Q20/3226 , G06Q20/202 , G06Q20/3274 , G06Q20/385 , G06Q20/401 , G06Q30/0201
摘要： Systems and methods for managing mobile payments is provided. An account issuer provides an application that is loaded onto a mobile device, which enables a consumer to pay for transactions. The mobile payment application generates a unique code. The code is read by the point of sale terminal, which is then provided to the payment management system. The payment management system contracts the account issuer and authenticates the code, thereby receiving a primary account number. Account number and transaction information is used to authorize the transaction via payment systems. The payment system accepts or declines the transaction in a response. Tokens may be generated for the account number, and value added services may be generated based upon user behaviors.
摘要翻译：提供了管理移动支付的系统和方法。帐户发行者提供加载到移动设备上的应用程序，这使得消费者能够支付交易费用。移动支付应用程序生成唯一的代码。代码由销售点读取，然后提供给支付管理系统。支付管理系统与账户发行者签约并对代码进行身份验证，从而接收主账号。帐号和交易信息用于通过支付系统授权交易。支付系统在响应中接受或拒绝交易。可以为帐号生成令牌，并且可以基于用户行为生成增值服务。

3. 发明授权

US10152711B2 Systems and methods for arbitraged enhanced payment processing 有权
公开(公告)号：US10152711B2
公开(公告)日：2018-12-11
申请号：US13957424
申请日：2013-08-01
申请人： Mercury Payment Systems, LLC
发明人： Matthew D. Ozvat , Nicholas G. Nayfack , John Berkley , Travis L. Priest , Michelle K. Plomske , Charles E. Watts , Robert Bonestell , Daniel Ourada , Kevin Oliver
IPC分类号： G06Q20/00 , G06Q20/38 , G06Q20/20 , G06Q20/40
摘要： An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.

4. 发明申请

US20140180924A1 SYSTEMS AND METHODS FOR COST ALTERING PAYMENT SERVICES 审中-公开
标题翻译：用于支付服务费用的系统和方法
公开(公告)号：US20140180924A1
公开(公告)日：2014-06-26
申请号：US14135555
申请日：2013-12-19
申请人： MERCURY PAYMENT SYSTEMS, LLC
发明人： Matthew D. Ozvat , John Berkley , Kevin Oliver , William T. Cooper , Charles E. Watts , Rachel B. Cochran
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4016 , G06Q20/20
摘要： Cost altering payment services (“CAPS”) system in association with a distributed enhanced payment (“DEP”) processing system includes a merchant point of sale (“POS”) terminal system and a remote enhanced payment management system (“EPMS”). The remote EPMS receives payment transactions including additional risk mitigating payment transaction (“RMPT”) information and based on that additional RMPT information provides altered transaction costs. The remote EPMS provides facilities for the merchant to review and revise payment management services so as to utilize additional RMPT information received from the merchant POS terminal system so as to alter transaction costs. Such facilities provide information to determine the relative potential transaction cost benefits of various payment management service sets utilizing cost profiles that represent the costs of archival, recorded and projected future transactions. The remote EPMS provides “transaction guidance” technology to be utilized by the merchant's POS terminal system to facilitate prompting for and acquiring additional RMPT information.
摘要翻译：与分布式增强支付（“DEP”）处理系统相关联的成本改变支付服务（“CAPS”）系统包括商户销售点（POS）终端系统和远程增强支付管理系统（“EPMS”）。远程EPMS接收支付交易，包括额外的风险缓解支付交易（“RMPT”）信息，并且基于额外的RMPT信息提供改变的交易成本。远程EPMS为商家提供检查和修改支付管理服务的设施，以利用从商家POS终端系统接收的附加RMPT信息，以便改变交易成本。这些设施提供信息，以确定使用代表存档，记录和预计的未来交易的成本的成本简档来确定各种支付管理服务集合的相对潜在交易成本收益。远程EPMS提供商业POS终端系统利用的“交易指导”技术，以便于提示和获取额外的RMPT信息。

5. 发明申请

US20140040148A1 SYSTEMS AND METHODS FOR ARBITRAGED ENHANCED PAYMENT PROCESSING 审中-公开
标题翻译：用于仲裁增强付款处理的系统和方法
公开(公告)号：US20140040148A1
公开(公告)日：2014-02-06
申请号：US13957424
申请日：2013-08-01
申请人： Mercury Payment Systems, LLC
发明人： Matthew D. Ozvat , Nicholas G. Nayfack , John Berkley , Travis L. Priest , Michelle K. Plomske , Charles E. Watts , Robert Bonestell , Daniel Ourada , Kevin Oliver
IPC分类号： G06Q20/38
CPC分类号： G06Q20/3829 , G06Q20/20 , G06Q20/385 , G06Q20/40
摘要： An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.
摘要翻译：与分布式增强支付处理系统相关联的套利增强支付处理系统包括商户销售点（POS）终端系统和远程支付管理系统。 POS终端系统通过支付客户端启动包括接收支付金额，购买者帐户标识符，虚拟电子支付指示符和商家ID的交易。随后，POS终端系统将交易输出到生成用于交易的令牌的远程支付管理系统。然后，支付管理系统向支付处理服务商提供购买者帐户标识符，商家帐户标识符和支付金额。在接收到支付处理服务器响应时，支付管理系统向POS终端系统输出响应和令牌。

你已经成功收藏专利！

检索式保存成功!

IPRDB

热门服务

关于我们

友情链接

联系方式