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1. 发明申请

US20120041879A1 METHODS AND SYSTEMS FOR PAYMENT PROCESSING BETWEEN CONSUMERS AND MERCHANTS 审中-公开
标题翻译：消费者与商品之间的付款处理方法和系统
公开(公告)号：US20120041879A1
公开(公告)日：2012-02-16
申请号：US12854099
申请日：2010-08-10
申请人： Paul Kim , Changwon Choi , Daniel Kim , Bobby Choi
发明人： Paul Kim , Changwon Choi , Daniel Kim , Bobby Choi
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/40
摘要： Described herein are methods and systems for processing a consumer payment with a payment system that utilizes payment information from a network partner of the payment system. In one embodiment, the payment system initiates a payment transaction between a merchant's site and the consumer in response to receiving a selection of a payment option from a consumer using an electronic device. The payment system generates selectable network partner options to be displayed on the electronic device of the consumer. The payment system receives a selection of one of the network partner options and also account credential information for the selected network partner from the consumer. The payment system sends the account credential information to the network partner for authentication. The payment system receives payment information for the consumer from the network partner. The payment system processes the payment transaction on behalf of the merchant.
摘要翻译：这里描述的是用支付系统处理消费者支付的方法和系统，所述支付系统利用来自支付系统的网络伙伴的支付信息。在一个实施例中，响应于从使用电子设备的消费者接收到对付款选项的选择，支付系统发起商户的站点和消费者之间的支付交易。支付系统产生可选择的网络伙伴选项以显示在消费者的电子设备上。支付系统从消费者接收选择的一个网络伙伴选项，并且还选择所选择的网络伙伴的凭证信息。支付系统将帐户凭据信息发送给网络伙伴进行认证。支付系统从网络伙伴接收消费者的支付信息。支付系统代表商家处理支付交易。

2. 发明申请

US20110307388A1 METHODS AND SYSTEMS FOR PAYMENT PROCESSING BASED ON A MOBILE PHONE NUMBER 审中-公开
标题翻译：基于移动电话号码的付款处理方法和系统
公开(公告)号：US20110307388A1
公开(公告)日：2011-12-15
申请号：US12813485
申请日：2010-06-10
申请人： Paul Kim , Bobby Choi
发明人： Paul Kim , Bobby Choi
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/32 , G06Q20/12 , G06Q20/325 , G06Q20/3674 , G06Q20/385 , G06Q20/40
摘要： Described herein are methods and systems for processing a consumer payment based on a mobile phone number of a mobile device of a consumer. In one embodiment, a method includes initiating a payment between the consumer and a merchant. A payment system receives the mobile phone number associated with the mobile device of the consumer. The payment system generates and sends to the mobile device a one time passcode (OTP) in response to receiving the mobile phone number from the consumer. The payment system authenticates the consumer based on receiving the OTP from the consumer. The payment system completes the payment transaction by granting micro-credit to the consumer with no pre-registration.
摘要翻译：这里描述了基于消费者的移动设备的移动电话号码来处理消费者支付的方法和系统。在一个实施例中，一种方法包括在消费者和商家之间启动支付。支付系统接收与消费者的移动设备相关联的移动电话号码。响应于从消费者接收到移动电话号码，支付系统生成并向移动设备发送一次性密码（OTP）。支付系统基于从消费者接收OTP来对消费者进行认证。支付系统通过向消费者提供小额信贷而不进行预注册来完成支付交易。

3. 发明申请

US20110307381A1 METHODS AND SYSTEMS FOR THIRD PARTY AUTHENTICATION AND FRAUD DETECTION FOR A PAYMENT TRANSACTION 审中-公开
标题翻译：付款交易的第三方认证和欺诈检测的方法和系统
公开(公告)号：US20110307381A1
公开(公告)日：2011-12-15
申请号：US12813493
申请日：2010-06-10
申请人： Paul Kim , Bobby Choi
发明人： Paul Kim , Bobby Choi
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/027 , G06Q20/12 , G06Q20/322 , G06Q20/4016
摘要： Described herein are methods and systems for third party authentication and fraud detection for a payment transaction between a consumer and a merchant. A third party authentication may occur during a consumer's registration with the payment system or during a consumer's transaction with a merchant. In one embodiment, a payment system receives user information from an electronic device of the consumer. The payment system receives a selection of a third party authentication option from the consumer. The payment system sends a request for a login window to a third party site. The consumer logs into the third party site using the login window. The payment system receives and saves a consumer's universally unique identifier (UUID) from the third party site. The consumer registers with the payment system by authenticating with the third party site. In another embodiment, the consumer authenticates successful with the payment system during a payment transaction.
摘要翻译：这里描述了用于消费者和商家之间的支付交易的第三方认证和欺诈检测的方法和系统。在消费者与支付系统的注册期间或在与商家的消费者交易期间，可以发生第三方身份验证。在一个实施例中，支付系统从消费者的电子设备接收用户信息。支付系统从消费者接收到第三方认证选项的选择。支付系统向第三方站点发送登录窗口请求。消费者使用登录窗口登录到第三方站点。支付系统从第三方站点接收并保存消费者的普遍唯一标识符（UUID）。消费者通过与第三方站点进行身份验证向支付系统注册。在另一个实施例中，消费者在支付交易期间用支付系统认证成功。

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