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公开(公告)号：US10706407B2
公开(公告)日：2020-07-07
申请号：US16557092
申请日：2019-08-30
申请人： Worldpay, LLC
发明人： Travis Lee Priest , Daniel J. Ourada , Matthew D. Ozvat , Daniel J. Murphy , Nicholas G. Nayfack , Charles E. Watts
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.
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公开(公告)号：US11379818B2
公开(公告)日：2022-07-05
申请号：US16887824
申请日：2020-05-29
申请人： Worldpay, LLC
发明人： Travis Lee Priest , Daniel J. Ourada , Matthew D. Ozvat , Daniel J. Murphy , Nicholas G. Nayfack , Charles E. Watts
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.
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公开(公告)号：US10445720B2
公开(公告)日：2019-10-15
申请号：US14046912
申请日：2013-10-04
申请人： Worldpay, LLC
发明人： Travis Lee Priest , Daniel J. Ourada , Matthew D. Ozvat , Nicholas G. Nayfack , Charles E. Watts
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.
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