CN101554005A - 处理小额付款交易的方法和系统 - Google Patents

处理小额付款交易的方法和系统 Download PDF

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CN101554005A
CN101554005A CNA2007800453404A CN200780045340A CN101554005A CN 101554005 A CN101554005 A CN 101554005A CN A2007800453404 A CNA2007800453404 A CN A2007800453404A CN 200780045340 A CN200780045340 A CN 200780045340A CN 101554005 A CN101554005 A CN 101554005A
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J·W·佩尔曼
M·J·基尔尼
T·M·李
G·斯托里
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Abstract

提供了通过通信网络用于执行小额付款交易的方法和系统。这些方法和系统通过提供小额付款是其中得到便利的多种付款之一的无缝付款解决方案，允许小额付款普遍存在。在一个实施例中，交易值可与预定义的阈值进行比较，并且在所述值小于所述阈值时作为小额付款处理，而否则使用第二处理系统处理。在另一实施例中，如果收款人以前已由小额付款处理系统验证，则交易可作为小额付款处理。在第三实施例中，交易使用收款人的网站进行。

Description

处理小额付款交易的方法和系统
相关申请交叉引用
本申请要求2006年10月11日提交的、号为60/829057的临时申请的优先权。
发明背景
随着因特网的使用继续扩展，数字内容市场中已发生基本的变化。例如，音乐界采用了由MP3播放器和其它数字音乐播放器使用的新的数字形式因子。此类内容的定价方案、购买行为及该行业的业务模型和优先顺序由于数字音乐变革而发生了极大的变化。例如，经常可经因特网基于单首歌曲购买数字音乐，其中，每首歌曲可大约花费一美元。
其它行业类似地正重新评估将来模型以便满足消费者及其预期购买行为。例如，软件公司正评估新的且更动态的方式来包装、分发和定价软件，如经因特网。许多情况下，使用因特网将购买预订的软件分发到因特网网站及诸如此类将导致小额付款交易(款额低于大约5美元的交易)的增加。预计到2010年全球将发生300亿的小额付款交易。
小额付款交易的一个问题是相对于购买价格，从用户获得付款的成本高。当前获得付款的方法包括1)重复式单实例付款，2)累计付款，3)专有预付款帐户及4)专有付款处理系统。
重复式单实例付款例如在为每次小额付款交易向信用卡收费一次时发生。收单方无法可行地向商家提供此类服务，这是因为相对于交易金额和标准费用结构，处理交易的成本太高。另一方面，相对于付款额度，消费者需要提供太多的数据(即，全部的卡详细信息)。另外，消费者会具有关于对其数据的控制方面的顾虑。
一些商家累积付款以尝试克服这些缺陷。然而，付款累积不会为所有消费者减轻处理交易的成本。虽然大量消费者的每次交易成本降低了，但小量消费者可能在一个记帐期只进行一次或两次交易。因此，对收单方而言，标准费用结构仍使小量消费者的处理交易的成本高得惊人。另外，付款累积使商家要为未处理的交易承担增大的风险。例如，消费者可能只购买单个物品，但商家将不处理交易直到记帐周期结束，到该时间消费者的付款卡可能已超出其限制或者已受损。由于所有交易累积成单次交易，因此，消费者也会失去其交易结算单中的细节(granularity)。
专有预付费帐户用于一些付费使用服务。此类帐户一般基于每个商家使用。因此，服务一般不跨业务和/或地理边界兼容。专有预付费帐户也要求消费者管理与他们交易的每个商家的单独帐户，并且将现金资源提供到每个帐户。
专有付款处理系统(其中每个商家与第三方系统有处理付款的合同)以大致与专用预付费帐户相同的方式对消费者不利。另外，商家需要对基础设施进行相当大的投资以便开发此类系统。
最好具有允许小额付款普遍存在的方法和系统以便为商家和消费者扩展在线购买机会，同时也在商业上对于例如发行方和收单方等得到便利的实体是可行的。
本公开内容涉及在小额付款是其中得到便利的多种付款之一的更广泛无缝付款解决方案上下文中解决或克服上述一个或多个问题。因此，所述方法和系统的多数不同的功能也对范围更广的付款类型有独特的价值。
优选实施例的概述
在描述本方法前，要理解本发明并不限于所述特定方法或协议，这是因为这些方法或协议可以改变。也要理解，本文中使用的术语只是为了描述特定实施例，并且无意限制本发明公开的范围，该范围将只受所附权利要求限制。
必须注意的是，除非上下文明确指明，否则，在本文和所附权利要求中使用时，单数形式“一”和“该”包括复数引用。因此，例如，对“交易”的引用是对一次或多次交易和本领域技术人员熟知的其等效物及诸如此类的引用。除非另有规定，本文使用的所有技术和科学术语具有与本领域的技术人员通常理解的相同含意。虽然类似或等效于本文中所述的任何方法和材料能够在本发明的实践或测试中使用，但现在描述的是优选方法、装置和材料。本文中所述的所有出版物通过引用结合于本文中。本文中的内容不解释为承认根据以前发明，本发明无权先于此类公开。
在一个实施例中，处理小额付款交易的方法可包括从收款人网站接收访问物品的请求和付款人标识符，请求和验证付款人密码，确定与付款人标识符相关联的帐户有关的一个或多个预定义的帐户参数是否得以满足，如果是，确定访问物品(item)的所需值是否小于预定义的阈值，如果是，确定与付款人标识符相关联的帐户是否包含大于或等于所需值的资金，并且如果是，允许访问物品。
在一个实施例中，处理交易的方法可包括接收交易的交易值，比较该交易值和预定义的阈值，如果该交易值小于预定义的阈值，则使用第一付款处理系统处理交易，以及如果该交易值大于预定义的阈值，则使用第二付款处理系统处理交易。第一付款处理系统可包括小额付款处理系统。
在一个实施例中，处理交易的方法可包括接收与交易有关的信息，在定义的参数集内确定收款人以前是否已由小额付款处理系统验证，以及如果是，则处理交易而不在当前交易进行时从付款人接收付款人识别信息。
在一个实施例中，处理交易的方法可包括接收来自收款人的与交易有关的信息，由小额付款处理系统原始生成并由收款人存储的与付款人向系统注册的有效性有关的信息，以及来自付款人的付款人身份的验证，并且如果是，则处理交易而不直接从付款人接收任何付款人识别信息。
附图说明
相对于以下说明和附图，将明白本发明的方面、特性、益处和优点，其中：
图1示出根据一个实施例，用于小额付款交易中示范参与者的数据流图。
图2示出根据一个实施例，用于处理小额付款交易的示范过程的流程图。
图3示出根据一个实施例，用于小额付款处理系统示范结算过程的流程图。
图4A和4B示出根据一个实施例，从收款人网站的示范小额付款购买的流程图。
优选实施例的详细说明
付款人是参加价值转移的实体，如个体或小型企业。付款人通常通过从收款人购买货物或服务和/或通过与收款人交换物品、服务或其它价值，参与同收款人的交易。
收款人是参加价值转移的第二实体。收款人通常通过向付款人提供货物或服务以交换价值和/或通过与付款人交换物品、服务或其它价值，参与同付款人的交易。
交易是在诸如付款人与收款人等实体之间的价值流动。
小额付款交易是其中要转移的价值小于阈值的交易，诸如(例如但不限于)小于大约五美元的交易。
图1示出根据一个实施例，用于小额付款交易中示范参与者的数据流图。如图1所示，小额付款交易处理系统可包括付款人105、收款人110、小额付款处理服务器115、收单行120、发行银行125、付款人银行130和管理系统中价值周转零款的存款存取行135。双方之间的示范通信通过图1中的线条示出，并且在下面参照图2和3更详细描述。通信方可例如经因特网和内部网和/或任何其它数据网络相互通信。在本公开内容的范围内，诸如电话、PDA、Blackberry、游戏控制台、互动信息站及诸如此类等其它通信方法也可使用。
图2示出根据一个实施例，用于处理小额付款的示范过程的流程图。如图2所示，付款人105可在在线收款人110处购物，并且例如，从收款人选择205购买一种或多种货物和/或服务。如果交易是小额付款交易，则可选付款方法列表可包括小额付款处理系统115的图标。付款人105可选择小额付款处理系统115。付款人可通过提交210标识符，诸如(例如但不限于)电子邮件地址、“用户ID”、电话号码和/或其任何部分，启动小额付款交易的处理。在一个实施例中，“cookie”或位于付款人网络访问装置上的其它持续化数据可与此类标识符相关。如果付款人105已经建立了对付款处理系统115的帐户，则付款人105可被引导到系统(或到设计为代表小额付款处理系统接收信息的收款人网站110内的位置)，以提供215密码来授权向收款人付款。正如本领域的一般技术人员将明白的一样，诸如但不限于生物特征识别装置或加密令牌(token)等其它鉴定方法可用于向小额付款处理系统鉴定付款人。如果付款人尚未建立对小额付款处理系统115的帐户，则付款人105可被引导到注册子系统以便启动220帐户设定例程。
在完成帐户设定例程或一旦密码输入，或者如果帐户以前已建立，付款人以其它方式向小额付款处理系统鉴定时，可就是否存在完成交易的足够值做出确定。如果不存在，则付款人105可选择一个价值源，由小额付款处理系统115从中接收225资金。在一个实施例中，资金例如但不限于从信用卡、借记卡、经例如自动清算所(ACH)从银行帐户的直接借记、直接存款等接收225，通过柜台接收225到代理和/或从存款金额接收225。小额付款处理系统115可将付款人105提供的交易信息传送230到收单行120(acquirer bank)。收单行120可通过直接借记帐户或卡收单方促进授权过程。如果付款人105得到授权，则收单行120可向小额付款处理系统115确认235价值加载，由该系统向付款人转发240确认。否则，小额付款过程可终止245。在一个备选实施例中，可为付款人105提供一次或多次另外的机会，以便向小额付款处理系统115提供适当的授权信息。
一旦存在完成交易的充足值，小额付款处理系统115便可从任何付款人帐户将资金转移250到任何收款人帐户。在一个实施例中，付款人帐户和收款人帐户可以是同一帐户的属性。小额付款处理系统115随后可通知255付款人105和收款人110交易已成功完成。付款人105随后可返回260到收款人网站110。
图3示出根据一个实施例，用于小额付款处理系统示范结算过程的流程图。如图3所示，收单行120可将资金存放305到由存款存取行(deposit access bank)135操作的帐户中。存款存取行135可为小额付款处理系统115管理周转零款(float)(系统中的帐户保持资金正结余时发生周转零款)并为付款对帐310。存款存取行135例如可定期结算315其与每个收款人的帐户。例如，存款存取行135可每小时、每天、每周或每月结算315其与每个收款人的帐户。在本公开内容的范围内，其它结算周期也可使用。
图4A和4B示出根据一个实施例，在收款人网站上执行的示范小额付款交易的流程图。如图4A和4B所示，付款人可经诸如web浏览器等用户接口访问收款人网站。用户接口可显示402物品或服务以供付款人购买，并在该物品或服务具有低于阈值的值时，显示消息以提供使用小额付款处理系统为物品付款的选项和可选的小额付款图标。在一个实施例中，可显示402另外的信息，如到描述小额付款处理系统的信息页的链接。在一个实施例中，可选择小额付款图标以启动小额付款交易处理。
可就付款人以前是否已向小额付款处理系统注册及收款人是否为受信任的商家做出404确定。在一个实施例中，收款人可能需要经过(submit to)资格证明过程(qualifying process)以便被视为受信任的商家。付款人可能还需要从已被证明是受信任的商家的收款人列表中选择收款人以便该收款人成为该付款人的受信任的商家。
在一个实施例中，付款人可选择将验证代码或令牌存储为付款人向受信任的商家注册的简档(profile)的部分。付款人可在与受信任的商家或小额付款处理系统连接(interface)时发出此请求(例如，通过网上银行或与受信任的商家的交易无关、便于小额付款处理系统的接口)。在收到持卡人请求时，小额付款处理系统可向受信任的商家提供验证代码或令牌以便存储为已注册付款人的简档的部分。在一个实施例中，验证代码或令牌可响应付款人的请求而生成，因此，它只验证付款人对指定受信任的商家进行的交易，可以完全加密形式提供到受信任的商家，并且可只由小额付款处理系统解密。在一个实施例中，令牌可允许基于会话的鉴定。在另一实施例中，可使用令牌而无会话特定的鉴定。付款人与受信任的商家执行交易时，收款人可向小额付款处理系统提交付款授权请求，附带付款人的验证代码或令牌。在收到付款授权请求时，小额付款处理系统可将验证代码解密或以其它方式验证令牌，并提供带有所有必需数据元素的适当付款授权响应。收款人网站可接收付款授权响应并适当地处理响应。在一个实施例中，如果付款人以前已注册，则受信任的商家可参加与已注册付款人的交易，无需重新提交各方的识别信息，如密码、电子邮件地址或诸如此类。
如果付款人以前未注册，则注册屏幕可显示406，请求付款人的简档信息。例如，付款人可提供名称、地址、电话号码和/或诸如此类。一旦付款人提供408所请求的信息，付款选择屏幕随后便可显示410。付款选择屏幕可允许付款人选择付款类型，如
Figure A20078004534000111
品牌信用卡、选定付款类型的源详细信息及加载金额。在一个实施例中，可经下拉菜单显示用于加载金额的一个或多个选择。小额付款处理系统可将加载交易提交412到外部授权服务。如果交易未经授权，则小额付款处理系统可再次显示410付款选择屏幕。在一个实施例中，如果加载交易第二次失败，则小额付款交易可失败414。如果加载交易得到授权，则小额付款处理系统可显示416加载确认屏幕，请求例如密码和选择及例如三个安全问题的答案。本领域的一般技术人员将明白，在本公开内容的范围内，可从用户请求另外或备选信息。另外，备选的多个安全问题、其它安全验证方法和/或加载交易失败也可包括在本公开内容的范围内。
如果在步骤404中付款人成功完成注册过程，或者如果付款人被确定为已注册，但收款人不是受信任的商家，则小额付款处理系统可显示418购买金额、收款人的名称及购买的物品的描述。系统还可显示418例如文本输入字段，要求付款人在其中输入诸如电子邮件地址等标识符和对应于所输入标识符的密码。随后，可就输入的密码是否与标识符对应做出420确定。如果不对应，则小额付款处理系统可显示422在注册过程期间由付款人预选择的一个或多个安全问题。在一个实施例中，显示的安全问题可从预选择的安全问题中随机选择。付款人对显示的安全问题的答案可与在注册期间提供的答案进行比较424。如果提供不合适的答案，则可向收款人传送426拒绝消息。收款人网站随后可显示428消息，要求来自付款人的备选形式的付款。如果提供合适的答案，则用户可重新配置和确认430帐户密码，并备选选择新安全问题和响应。随后，过程可返回到步骤418。
如果输入的密码被确定420为与标识符对应，或者如果在步骤404中付款人已注册，并且收款人是受信任的商家，则可做出一个或多个其它确定。例如，可就交易金额是否落在用户定义的帐户参数内做出432确定。此类参数可包括(例如但不限于)收款人是否被允许和/或冻结、总值限制是否得以满足、交易是否满足收款人的值限制和/或交易是否满足帐户的时间限制。在本公开内容的范围内可基于例如每付款人、每收款人和/或每帐户定义其它帐户参数。另外，对于帐户的主要付款人外的付款人所进行的交易，可就主要付款人是否已允许交易做出434确定。例如，家长可设置小孩使用帐户执行的交易限制，如此类交易的类型、美元金额或诸如此类。如果任何用户定义的帐户参数和/或主要付款人参数不适宜于交易，则收款人网站可向付款人显示436拒绝消息，并请求选择备选形式的付款。
如果所有参数得到满足，则可就交易值与阈值之间的关系做出438确定。例如，如果交易值大于和/或等于预定义的阈值，则付款屏幕可向付款人显示440。付款屏幕可包括(例如但不限于)一个或多个默认付款源和细节，如每个源的屏蔽的帐号。付款人可选择源，并且可提交442交易以便得到外部授权。如果选择的付款源授权444交易，则屏幕可选择性地向付款人显示446，列出例如购买金额、收款人名称、购买的货物和/或服务的描述及诸如此类。付款人可提交付款而不提供另外的信息。
如果交易值小于和/或等于预定义的阈值，则可选择小额付款处理系统用于处理交易。小额付款处理系统可确定448付款人的帐户中是否留有足够的资金。如果不足，则小额付款处理系统可显示450屏幕，要求付款人从诸如信用卡、银行帐户或诸如此类等默认付款源添加另外的资金到帐户。在一个实施例中，屏幕可呈现带有屏蔽信息的默认付款源，如信用卡号、银行帐号的后四个数字或诸如此类。在一个实施例中，付款人可提供备选付款源。在一个实施例中，添加到帐户的金额可以以具有预选择金额的下拉菜单或类似方法的方式呈现。在一个实施例中，屏幕可包括文本输入字段，付款人可在其中指定特定的金额。一旦付款人指定添加到帐户的金额，小额付款处理系统便可提交452加载交易，以便得到选择的付款源的外部授权。如果选择的付款源授权444交易，则屏幕可选择性地向付款人显示446，列出例如购买金额、收款人名称、购买的货物和/或服务的描述及诸如此类。付款人可提交付款而不提供另外的信息。
如果充足的资金保留在帐户中或者添加到帐户，则可向收款人网站提供454交易确认。收款人网站在从小额付款处理系统收到确认时，可向付款人显示456确认消息，并允许458访问货物和/或服务。在一个实施例中，如果付款人希望460购买另外的货物和/或服务，则此类另外的货物和/或服务的小额付款购买过程可跳到例如步骤432。在一个实施例中，仅在寻求在单个访问会话期间购买另外的货物和/或服务时，小额付款购买过程才可跳到步骤432。在一个实施例中，如果例如，付款人没有在前一购买的预定义时间期内进行购买，付款人已访问了不同的网站或诸如此类，则可要求付款人再次提供密码。备选，如果收款人是受信任的商家，则小额付款购买过程可跳到步骤432。
将理解，各种以上公开内容和其它特性与功能或其备选可如所希望的一样组合到许多其它不同的系统或应用中。也将理解，本领域的技术人员随后可实现各种当前未预测或未预见的备选、修改、变化或改进，所有这些也将由公开权利要求涵盖在内。

Claims (23)

1.一种处理付款人与收款人之间小额付款交易的方法，所述方法包括：
(a)从所述收款人接收访问物品的请求和付款人标识符；
(b)请求和验证所述付款人的身份；
(c)确定一个或多个预定义的帐户参数是否得以满足，其中所述参数关于与所述付款人标识符相关联的帐户；
(d)如果是，则确定访问所述物品的所需值是否小于预定义的阈值；
(e)如果是，则确定与所述付款人标识符相关联的帐户是否包含大于或等于所述所需值的资金；以及
(f)如果是，则允许访问所述物品。
2.如权利要求1所述的方法，其中步骤(b)涉及密码的使用。
3.如权利要求1所述的方法，其中所述收款人无权访问所述付款人标识符。
4.如权利要求1所述的方法，其中所述预定义的阈值与所述收款人和所述付款人相关联。
5.如权利要求1所述的方法，其中所述预定义的帐户参数包括收款人值限制、总值限制、时间限制或所述收款人是否已被冻结中的一项或多项。
6.一种处理次要付款人与收款人之间小额付款交易的方法，所述方法包括：
(a)从所述收款人接收访问物品的请求和次要付款人标识符；
(b)请求和验证所述次要付款人的身份；
(c)确定一个或多个预定义的帐户参数是否得以满足，其中：
(i)所述参数关于与所述次要付款人标识符相关联的帐户，
(ii)所述帐户主要与主要付款人相关联，以及
(iii)一个或多个所述参数只适用于所述次要付款人；
(d)如果是，则确定访问所述物品的所需值是否小于预定义的阈值；
(e)如果是，则确定与所述次要付款人标识符相关联的帐户是否包含大于或等于所述所需值的资金；以及
(f)如果是，则允许访问所述物品。
7.如权利要求6所述的方法，其中步骤(b)涉及密码的使用。
8.如权利要求6所述的方法，其中所述预定义的阈值与所述收款人和所述次要付款人相关联。
9.如权利要求6所述的方法，其中所述预定义的阈值与所述次要付款人相关联。
10.如权利要求6所述的方法，其中所述主要付款人是家长或监护人，并且所述次要付款人是小孩。
11.一种处理付款人与受信任的收款人之间交易的方法，所述方法包括：
(a)从所述受信任的收款人接收付款授权的请求和令牌，其中所述令牌与所述付款人相关联；
(b)验证所述令牌；以及
(c)向所述受信任的收款人传送付款授权响应。
12.如权利要求11所述的方法，其中所述交易是小额付款。
13.如权利要求11所述的方法，其中所述令牌被加密。
14.如权利要求13所述的方法，其中所述令牌不可由所述收款人解密。
15.如权利要求11所述的方法，其中所述付款人以前已注册，以及其中不传送识别信息。
16.如权利要求11所述的方法，其中所述令牌与单个受信任的收款人相关联。
17.一种处理交易的方法，所述方法包括：
接收交易的交易值；
比较所述交易值和预定义的阈值；
如果所述交易值小于所述预定义的阈值，则使用第一付款处理系统处理所述交易；以及
如果所述交易值大于所述预定义的阈值，则使用第二付款处理系统处理所述交易。
18.如权利要求17所述的方法，其中所述第一付款处理系统包括小额付款处理系统。
19.一种方法，受信任的收款人通过所述方法可与已注册的付款人进行交易，所述方法包括：
从所述付款人接收关于所述交易的信息，所述信息与所述付款人的身份无关；
从多个付款人简档中检索所述付款人的简档；
从所述付款人的简档中检索令牌；
将与所述令牌相关的信息和关于所述交易的信息传送到付款处理系统；以及
从所述付款处理系统接收付款授权。
20.如权利要求19所述的方法，其中所述交易是小额付款。
21.如权利要求19所述的方法，其中所述令牌被加密。
22.如权利要求21所述的方法，其中所述令牌无法由所述收款人解密。
23.如权利要求19所述的方法，其中所述令牌在付款人注册过程期间由所述付款处理系统提供给所述收款人。
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US8335745B2 (en) 2012-12-18
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