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公开(公告)号：US20180276737A1
公开(公告)日：2018-09-27
申请号：US15465450
申请日：2017-03-21
CPC分类号： G06Q30/0633 , G06Q20/12 , G06Q20/367
摘要： A user's payment preference and other payment information may be linked to a virtual shopping cart to later complete an e-commerce transaction for items stored in a virtual shopping cart. For example, a user may place one or more items in a virtual shopping cart and select a payment method to purchase those items. The user may then be able to select an option to link the selected payment method to the order, but delay completing the purchase by causing a payment payload to be delivered to the merchant without debiting the user's payment account. Later, the user may establish another network session with the merchant. This new session will display the incomplete purchase transaction with both the items and the linked payment method for which the merchant has already received the payment payload. The user may then complete the purchase transaction without having to re-enter payment information.
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公开(公告)号：US20180189779A1
公开(公告)日：2018-07-05
申请号：US15896334
申请日：2018-02-14
CPC分类号： G06Q20/363 , G06F16/951 , G06Q20/12 , G06Q20/322 , G06Q30/0601 , G06Q30/0641
摘要： The DYNAMIC CHECKOUT BUTTON APPARATUSES, METHODS AND SYSTEMS (“DCB”) transforms product page checkout request input and user identification input via DCB components such as offer/discount determination component and checkout button embedding component, into dynamic checkout button outputs.
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公开(公告)号：US20180174136A1
公开(公告)日：2018-06-21
申请号：US15380397
申请日：2016-12-15
摘要： A property alarm, such as home alarm or car alarm, is analyzed for the nature of the alarm and when indicated causes access to one or more financial instruments to be limited or put on hold. Alarms for equipment failure may be ignored while alarms for an intrusion may trigger limiting access to the financial accounts. In some cases, a cap may be placed on transactions, risk rules for approving transactions may be increased, or a complete hold may be placed on some or all of the financial instruments.
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公开(公告)号：US20170300909A1
公开(公告)日：2017-10-19
申请号：US15489388
申请日：2017-04-17
CPC分类号： G06Q20/405 , G06Q20/027 , G06Q20/12 , G06Q20/3821 , G06Q20/3823
摘要： Systems and methods may facilitate payment transactions between user computer systems and merchant computer systems. An e-commerce enabler system may generate a library of instructions for execution on the user computing device. On execution, the library of instructions may provide payment information for a payment transaction to a merchant e-commerce computer system via a website hosted by the merchant e-commerce computer system. The payment information may correspond to primary account holder data identifying a payment device. The e-commerce enabler system may forward the payment information to a payment network system, create payment payload data from data returned by the payment network system, and forward the payload data to the merchant e-commerce computer system. The merchant e-commerce computer system may then decrypt at least a portion of the payment payload data to complete the payment transaction between the computing device and the merchant e-commerce computer system.
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公开(公告)号：US20170293914A1
公开(公告)日：2017-10-12
申请号：US15484914
申请日：2017-04-11
IPC分类号： G06Q20/40
CPC分类号： G06Q20/401 , G06Q20/12 , G06Q20/385 , G06Q20/405 , G06Q2220/00
摘要： Expedited E-Commerce Tokenization alleviates the above mentioned concerns associated with cards for merchants as well as PSPs using tokens by establishing E-Commerce browser standards around tokenization for merchants and PSPs through a standard manner of requesting customer data in an encrypted manner following a standard.
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公开(公告)号：US10380582B2
公开(公告)日：2019-08-13
申请号：US15224231
申请日：2016-07-29
申请人： Thomas Purves , Clint Florez , Amit Gupta , Aparna Krishnan Girish , Peng Zhao , Chunxi Jiang , Sang Wook Lee , Kevin Carvalho
发明人： Thomas Purves , Clint Florez , Amit Gupta , Aparna Krishnan Girish , Peng Zhao , Chunxi Jiang , Sang Wook Lee , Kevin Carvalho
IPC分类号： G06Q30/00 , G06Q20/36 , G06F9/451 , G06F16/9535 , G06F3/0481 , G06F21/45 , G06F3/0484 , H04L29/06 , G06Q30/02 , G06Q20/12
摘要： The DYNAMIC CHECKOUT BUTTON APPARATUSES, METHODS AND SYSTEMS (DCB) transforms product page checkout request input and user identification input via DCB components such as offer/discount determination component and checkout button embedding component, into dynamic checkout button outputs.
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公开(公告)号：US20180174146A1
公开(公告)日：2018-06-21
申请号：US15380407
申请日：2016-12-15
IPC分类号： G06Q20/40
摘要： One or more sensors are used to evaluate whether a user of a financial instrument is under duress by evaluating information collected about the user at the time of a transaction. If one or more stress indicators are above a predetermined threshold level, full access to the financial instrument may be disabled. Transaction risk rules may be increased, transaction amounts may be limited, or transactions may be blocked entirely if full access is disabled.
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公开(公告)号：US20170148013A1
公开(公告)日：2017-05-25
申请号：US15360357
申请日：2016-11-23
申请人： PANKAJ RAJURKAR , Ashish Kulpati , Koni Uttam Nayak , Gurumoorthy Hariharan , Aparna Krishnan Girish , Parveen Bansal , Michelle Scurrah
发明人： PANKAJ RAJURKAR , Ashish Kulpati , Koni Uttam Nayak , Gurumoorthy Hariharan , Aparna Krishnan Girish , Parveen Bansal , Michelle Scurrah
CPC分类号： G06Q20/401 , G06Q20/102 , G06Q20/12 , G06Q20/3276 , G06Q20/3674 , G06Q20/385 , G06Q20/405 , G06Q20/42 , G06Q30/0601 , G06Q2220/00
摘要： E-commerce personal account numbers, shipping addresses, and other data may be tokenized to facilitate transaction completion by establishing e-commerce browser standards. Tag data may be received from a website associated with an e-commerce transaction. The tag data may include an indication that a merchant payment webpage is configured to receive a payment transaction via a token. Tokens may then be created from a personal account number and a shipping address corresponding to the personal account number in response to a request for token data.
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