CN102844776B - 返回有限使用的代理动态值的支付渠道 - Google Patents

返回有限使用的代理动态值的支付渠道 Download PDF

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CN102844776B
CN102844776B CN201080057696.1A CN201080057696A CN102844776B CN 102844776 B CN102844776 B CN 102844776B CN 201080057696 A CN201080057696 A CN 201080057696A CN 102844776 B CN102844776 B CN 102844776B
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O·麦克霍顿
T·珀弗斯
C·加德纳
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Abstract

中心平台提供持卡人的若干个便携式支付设备中的任何一个的代理动态值（在交易过程中作出对这样的信息的请求之后）。代理动态值可以被提供到商家，然后，商家可以将它路由到接受网络，以便启动认证过程。中心平台在认证过程中提供与代理动态值相关联的实际主要帐户号码。

Description

返回有限使用的代理动态值的支付渠道
对相关申请的交叉引用
本申请要求2009年12月18日提交的美国临时申请No.61/288,210的优先权，此处为各种目的引用了该申请的全部内容作为参考。
背景
当前的电子商务支付实践通常要求持卡人向商家提供大量的个人和财务信息。在电子商务或移动电子商务环境中，向商家提供传统的支付细节(例如，卡号、到期日期、帐单地址等等)常常被视为麻烦且冒昧的，并可以阻止潜在的消费者参与在线交易。对于商家而言，参与上的阻力表示商品和/或服务的直接销售的未实现的机会，以及商务和零售策略的新渠道的引入的机会丢失。
本发明的各实施例分别地以及共同地解决了这些问题及其他问题。
发明内容
在本发明的各实施例中，可以与持卡人和商家之间的交易一起发出代理动态值(令牌)。然后，可以使用代理动态值来获取持卡人的便携式支付设备(例如，信用卡、预付卡、借记卡等等)的实际PAN。然后，实际PAN可以被路由到便携式支付设备的发行银行以继续交易。
在本发明的各实施例中，中心平台存储持卡人数据。中心平台可以向持卡人或持卡人与持卡人进行交易的商家发出代理动态值。然后，代理动态值可以随后被路由回中心平台，以便获取持卡人的便携式支付设备的实际PAN。然后，实际PAN可以被路由到便携式支付设备的发行银行以继续交易。
在本发明的各实施例中，持卡人可以向中心平台传输涉及与商家的交易的请求，以便生成与被发行给持卡人的便携式支付设备的实际PAN相关联的代理动态值。然后，代理动态值可以被提供到商家的收单银行。然后，可以用相关联的实际PAN来代替代理动态值，然后，可以将实际PAN路由到发行了便携式支付设备的发行银行。
附图简述
图1是本发明的实施例的一般化表示形式。
图1A是根据本发明的各方面的交易处理的一般化描述。
图2-8是根据本发明的各实施例构想的交易处理情形的流程图。
图9是本发明的计算机系统实施例的一般化图形。
图10示出了由本发明的各实施例所提供的各种优点。
具体实施方式
本发明的各实施例包括集中地存储和注册持卡人数据，并当在很多支付环境中的任何一个支付环境中进行购物时允许对该数据进行访问。持卡人数据可包括与便携式支付设备相关的数据。便携式支付设备的常见的示例包括信用卡、预付卡(例如，礼品卡)等等。
持卡人数据通常包括与便携式支付设备相关联的主要帐户号码(PAN)；例如，压印在信用卡上的十六位数字号码。通常，当持卡人希望使用他们的便携式支付设备进行商品或服务交易时，向商家提供PAN；例如，商家刷信用卡，或者在无卡交易的情况下持卡人可以将它告诉商家，等等。对交易进行认证的处理通常在商家将PAN(通常，与其他数据一起)路由到或以别的方式转发到其采集银行(采集方)时开始。采集方通常将PAN以及任何相关数据路由到发行便携式支付设备的发行银行(发行方)。发行方可以授权或拒绝被请求的交易，然后对交易的认证过程以通常已知的方式结束(“批准”或者“拒绝”交易)。相应地，该交易可以完成。
在根据本发明的各实施例进行交易时可以涉及图1中所示出的各种组件。持卡人(消费者)102可以是由发行方104(发行银行)向其发行便携式支付设备(例如，信用卡、借记卡)的个人或企业实体。发行方104通常是发行便携式支付设备的银行或其他合适的金融实体。持卡人102可以使用便携式支付设备从商家110进行商品和/或服务的购买。购物可以亲自(面对面)或作为无卡(CNP)交易，例如，通过在线连接(例如，通过因特网)或通过移动通信设备等等来进行。
支付处理网络106可以在持卡人102以及商家110之间作为交易的中介。通常，支付处理网络106也在发行方104和采集方108(采集银行)之间进行涉及当日在持卡人和商家110之间进行的交易(购物、退款等等)的结算。支付处理网络的示例包括MasterCard、Visa、Discover等等。采集方108通常是持有并管理商家110的涉及该商家的业务的财务帐户的金融实体(例如，银行)。在各实施例中，可以在交易中使用持卡人的移动通信设备102a(例如，手机，PDA-个人数据助理，等等)。
在本发明的各实施例中，中心平台112可以提供合适的存储器(例如，数据库)以存储由持卡人所拥有的每一个便携式支付设备的持卡人信息，如帐户信息(例如，主要帐户号码(PAN)，到期日期，等等)。持卡人信息还可以包括持卡人的帐单地址，电话号码，电子邮件地址等等。中心平台112可以通过“注册”持卡人来利用这样的信息填充其数据库。
持卡人102可以与中心平台112建立关系，并向中心平台注册他们的便携式支付设备中的一个或多个。在一实施例中，注册过程可包括持卡人102向中心平台112提供他们的信用卡或预付卡中的一个或多个的卡号(例如，PAN)等等。例如，可以使用合适的Web浏览器在线执行注册。注册还可以包括持卡人102向中心平台提供通信信息，该通信信息可用于与持卡人102建立通信信道。通信信息可以被用来与持卡人的移动通信设备102a建立通信。例如，通信信息可以是移动通信设备102a的手机号码。通信信息可以是电子邮件地址等等。
注册也可以包括利用持卡人102建立验证信息。例如，可以创建持卡人的个人标识号(PIN)。验证可包括使用密码。例如，注册过程可包括将安全加密密钥存储在移动通信设备102a上，安全加密密钥可以被用来生成密码。下面将说明这些安全功能的用途。
图2-8示出根据本发明的各实施例的典型的交易情形。然而，在给出对说明性情形的讨论之前，将参考图1和1A提供根据本发明的各方面的交易处理的一般描述。
一般而言，在各实施例中，交易从持卡人102进行购物开始(无论是亲自的，在线的，还是通过电话等等)，步骤202。在步骤204中，请求可以由请求者向中心平台112发送，以从中心平台获取代理动态值(例如，令牌、临时PAN、别名等等)。在各实施例中，请求者可以是商家110或持卡人102。
在其中商家110可以向中心平台112发送对代理动态值的请求的各实施例中，持卡人102可向商家提供通信信息，商家将在他们的发往中心平台112的请求中包括该通信信息。例如，假设商家110是持卡人102与其建立了帐户的在线商家(例如，Amazon)。持卡人的帐户可包括持卡人的手机号码，商家可在他们的发往中心平台112的请求中包括该手机号码。作为另一个示例，在电话呼叫订购的情况下，持卡人102可以简单地将通信信息告诉商家110。
继续图1A，响应于从请求者接收到对代理动态值的请求，中心平台112可以与持卡人102进行通信(步骤206)，以便从先前向中心平台注册的一个或多个便携式支付设备中标识选定的便携式支付设备。例如，中心平台112可以使用通信信息来联络持卡人102。选择过程可包括中心平台112向持卡人102提供持卡人向中心平台注册的便携式支付设备的列表。例如，该列表可以显示在持卡人的移动通信设备102a上。
由于安全性原因，此步骤可包括验证过程，或某种形式的认证，以便验证持卡人102，以便防止持卡人102和/或商家110进行欺骗性的或以别的方式未经授权的交易。例如，可以执行一因素认证(例如，“我所知道的一些东西”认证)，从而，必须向中心平台112提供PIN。另一种类型的一因素认证(例如，“我具有的一些东西”认证)可以使用具有秘密密钥的SE(安全元件)芯片，该秘密密钥可以生成唯一动态密码，该动态密码被传递到中心平台112。秘密密钥可以在注册过程中由中心平台112提供到SE芯片。在需要额外的安全性的情况下，可以通过组合两个或更多一因素验证过程来使用多因素认证方法。
在步骤208中，中心平台112可以将代理动态值(令牌)与接收到的对持卡人的便携式支付设备的选择相关联。在一个实施例中，代理动态值可以由中心平台112生成。在一个实施例中，代理动态值可以由发行所选便携式支付设备的发行银行104生成。
代理动态值可以是可以被映射到所选便携式支付设备的PAN或以别的方式与其相关联的，但是，不会暴露所选便携式支付设备的实际PAN的任意值。代理动态值可以只使用一次，或者可以具有有限的使用次数，或者可以具有有限的时间，或者基于其他准则来以别的方式限制其使用。通过限制代理动态值的“寿命”，可以降低欺诈的风险。
在一个实施例中，代理动态值可以被格式化，如信用卡的十六位数字主要帐户号码。这将适用于其中现有的接受网络(例如，互连商家、采集方、支付处理器，以及发行方的通信基础结构)识别常规的十六位数字主要帐户号码的旧式系统中，如此，将不会需要被改变以便根据本发明操作。然而，一般而言，代理动态值可以包括任何合适的数据格式和/或数据。
在步骤210中，中心平台112可以向接收者提供代理动态值。在一个实施例中，代理动态值可以直接传递到商家110。在一个实施例中，代理动态值可以传递持卡人102，然后，该持卡人102可以将代理动态值传递到商家110。
在步骤212中，可以使用代理动态值来对交易进行认证。在各实施例中，商家110可以接收代理动态值，并作为标准认证过程的一部分，将代理动态值路由到其采集银行108。然后，采集银行108进而可以将代理动态值路由到支付处理网络106。在一个实施例中，处理网络106可以与中心平台112进行通信，并使用接收到的代理动态值来获取对应于所选便携式支付设备的实际PAN。然后，支付处理网络106可以将从中心平台112接收到的实际PAN路由到发行银行104，以便继续认证过程。
在一个实施例中，处理网络106可以将代理动态值直接路由到发行银行104。例如，在发行银行104是首先提供代理动态值的实体的情况下，发行银行可以确定所选便携式支付设备的实际帐号，以便继续认证过程。然而，如果中心平台112生成了然后被直接路由到发行银行104的代理动态值，那么，发行银行可以与中心平台进行通信，以获取相对应的实际PAN。不管怎样，当发行银行104获得实际PAN的拥有权时，它可以继续认证过程，然后，可以根据认证的结果来进行交易。
现在将参考图2-8给出对根据本发明的各实施例的一些说明性交易情形的讨论。在每一图中，通过带有数字的圆来表示交易或数据流和过程。通过编号为零的圆来标识每一图中的诸如上文所说明的注册过程(步骤0)。
图2示出了根据本发明的一实施例的用于在线购物(例如，使用Web浏览器)的典型的交易情形(情形1)，该情形是一种一般被称为“无卡”(CNP)交易的交易。在此实施例中，商家110不需要与中心平台112集成。
交易可以例如从持卡人102使用Web浏览器来向商家110进行在线购物开始。在步骤1-3中，持卡人102可以使用在他们的移动通信设备102a上运行的移动应用程序来向中心平台112发送对代理动态值的请求。持卡人102可以与中心平台112进行交互以从便携式支付设备列表中选定一个便携式支付设备，用来进行如上文所描述的交易。此外，如上所述，这可包括验证持卡人102的验证过程。
在步骤4中，如果持卡人102通过了验证，则中心平台112可以以代理动态值作出响应。在一个实施例中，代理动态值可以是临时PAN(TPAN)，该临时PAN不是所选便携式支付设备的实际PAN。中心平台112可以向持卡人的移动通信设备102a提供TPAN以及相关的卡类型的信息，如到期日和CW(卡验证值)。接收到的信息可以显示在持卡人的移动通信设备102a上。在步骤5中，持卡人102可以将TPAN以及任何相关的信息提供到商家110，例如，通过使用Web浏览器来向商家的在线商店的数据字段输入数据。
认证过程可包括商家110将TPAN路由到采集方108(步骤6)，然后，采集方108将它发送到支付网络106(步骤7)。然后，支付网络106可以将TPAN路由到中心平台112(步骤8)，然后，中心平台112将接收到的TPAN替换为实际PAN，并将它发回到支付网络(步骤9)。然后，支付网络106可以将实际PAN路由到发行方104(步骤10)，以便继续认证过程。值得注意的是，在清算过程中(例如，在工作日结束时)，可以执行类似的TPAN替换过程，以便映射到实际PAN。
图3示出了根据本发明的一实施例的用于在线购物的典型的交易情形(情形2)，其中，商家110与中心平台112一起操作以服务于交易。
交易可以例如从持卡人102使用Web浏览器来向商家110进行在线购物开始(步骤1)。在结帐过程中，持卡人102可以将他们的通信信息(例如，手机号码)提供到商家网站，代替如通常那样提供他们的信用卡信息。在步骤2中，商家110或商家所提供的浏览器插件可以向中心平台112发送对于代理动态值的请求，包括向中心平台提供手机号码。在步骤3和4中，中心平台112可以响应于接收到请求来与持卡人102建立通信，以便持卡人可以如上所述那样选定便携式支付设备，或许还包括执行验证持卡人的验证过程。
在步骤5中，如果持卡人102通过了验证，则中心平台112可以以代理动态值作出响应。在一个实施例中，代理动态值可以是临时PAN(TPAN)。中心平台112可以向商家110发送TPAN，以及诸如持卡人的发货地址以及帐单地址之类的辅助信息。
认证过程可包括商家110将TPAN路由到采集方108(步骤6)，然后，采集方108将它发送到支付网络106(步骤7)。然后，支付网络106可以将TPAN路由到中心平台112(步骤8)，然后，中心平台112将接收到的TPAN替换为实际PAN，并将它发回到支付网络(步骤9)。然后，支付网络106可以将实际PAN路由到发行方104(步骤10)，以便完成认证过程。值得注意的是，在清算过程中(例如，在工作日结束时)，可以执行类似的TPAN替换过程。
商家110可以将交易报告提供到中心平台112，用于随后的持卡人记账目的。
图4示出了根据本发明的一实施例的用于“面对面”交易的典型的交易情形(情形3)，其中，持卡人102在物理上是存在的(一般被称为“有卡”交易的一种交易)。在此实施例中，商家110不需要与中心平台112集成。
交易可以例如从持卡人102使用在他们的移动通信设备102a上运行的移动应用程序来在商家110处预先选定订单开始(步骤1)。在步骤2中，持卡人102可以向中心平台112发送对代理动态值的请求。然后，中心平台112可以响应于接收到请求来与持卡人102建立通信，以便标识持卡人的选定的便携式支付设备，如上文所描述的，或许还包括进行验证持卡人的验证过程。
在步骤3中，如果持卡人102通过了验证，则中心平台112可以以代理动态值作出响应。在一个实施例中，代理动态值可以是临时PAN(TPAN)。中心平台112可以作为2维(2D)条形码MMS及其他订单信息来提供TPAN。在步骤4中，持卡人102可以向商家110提供TPAN及其他订单信息，例如，如果移动通信设备102a以及商家110被适当配备的话使用近场通信(NFC)技术。在一个实施例中，商家110可以使用条形码读取器来扫描持卡人的移动通信设备102a中的信息。
在持卡人的移动通信设备102a具有NFC的情况下，商家的NFC设备可以将交易的信息发送到持卡人的移动通信设备。然后，移动通信设备102a可以将这样的信息传递回中心平台112，在此，它可以被存储，用于随后的持卡人记账目的(步骤5)。
认证过程可包括商家110将TPAN路由到采集方108(步骤6)，然后，采集方108将它发送到支付网络106(步骤7)。然后，支付网络106可以将TPAN路由到中心平台112(步骤8)，然后，中心平台112将接收到的TPAN替换为实际PAN，并将它发回到支付网络(步骤9)。然后，支付网络106可以将实际PAN路由到发行方104(步骤10)，以便完成认证过程。值得注意的是，在清算过程中(例如，在工作日结束时)，可以执行类似的TPAN替换过程。
图5示出了根据本发明的一实施例的用于“面对面”交易的典型的交易情形(情形4)，其中，商家110与中心平台114一起操作以服务于交易。
交易可以例如从持卡人102使用在他们的移动通信设备102a上运行的移动应用程序来在商家110处预先选定订单开始(步骤1)。在步骤2中，持卡人102可以向中心平台112发送对代理动态值的请求。然后，中心平台112可以响应于接收到请求来与持卡人102建立通信，以便标识持卡人的选定的便携式支付设备，如上文所描述的，或许还包括进行验证持卡人的验证过程。
在步骤3中，中心平台112可以向商家110发送订单细节以及该订单的发票号码，以使商家开始准备订单。
在步骤4中，如果持卡人102通过了验证，则中心平台112可以以代理动态值对移动通信设备102a作出响应。在一个实施例中，代理动态值可以是临时PAN(TPAN)。中心平台112可以与其他订单信息一起来提供TPAN作为2维(2D)条形码MMS。中心平台112可以从步骤3发送被表示为近场通信(NFC)标记或2D条形码的发票号码。
在步骤5中，持卡人102可以向商家110提供TPAN及其他订单信息，例如，如果移动通信设备102a以及商家110被适当配备的话使用近场通信(NFC)技术。在一个实施例中，商家110可以使用条形码读取器来扫描持卡人的移动通信设备102a中的信息。商家110可以将信息与其自己的数据进行比较，并将订单提供到持卡人102。
认证过程可包括商家110将TPAN路由到采集方108(步骤6)，然后，采集方108将它发送到支付网络106(步骤7)。然后，支付网络106可以将TPAN路由到中心平台112(步骤8)，然后，中心平台112将接收到的TPAN替换为实际PAN，并将实际PAN发回到支付网络(步骤9)。然后，支付网络106可以将实际PAN路由到发行方104(步骤10)，以便完成认证过程。值得注意的是，在清算过程中(例如，在工作日结束时)，可以执行类似的TPAN替换过程。
商家110可以将交易报告提供到中心平台112，用于随后的持卡人记账目的。
图6示出了根据本发明的一实施例的用于移动和远程购物(例如，使用手机)的典型的交易情形(情形5)，一般被称为“无卡”(CNP)交易的一种交易的另一个示例。在此实施例中，商家110不涉及与中心平台112的直接通信。
交易可以例如从持卡人102使用他们的移动通信设备102a来进行购物开始(步骤1)。例如，图6示出了在移动通信设备102b中所提供的，并在移动通信设备102b上执行的商家应用程序122b(即，软件)。在步骤2中，在结帐过程中，商家应用程序122b可以与也在移动通信设备102a中执行的平台应用程序122a(即，软件)进行通信，以向平台应用程序发送对代理动态值的请求。在步骤3中，平台应用程序122a可以与持卡人102进行交互，以便标识持卡人选定的便携式支付设备，如上文所描述的，或许还包括执行验证持卡人的验证过程。然后，平台应用程序122a可以将所选便携式支付设备转发到中心平台112。
在步骤4中，如果持卡人102通过了验证，则中心平台112可以以代理动态值对平台应用程序122a作出响应。在一个实施例中，代理动态值可以是临时PAN(TPAN)。中心平台112可以向持卡人的移动通信设备102a提供TPAN以及相关的卡类型的信息，如到期日和CW(卡验证值)。
在步骤5中，平台应用程序122a可以将接收到的信息转发到商家应用程序122b。在步骤6中，商家应用程序122b可以将TPAN以及相关的卡细节以及付款通知信息传递到商家110的商家后端服务器系统122c。
认证过程可包括商家后端服务器122c将TPAN路由到采集方108(步骤7)，然后，采集方108将它发送到支付网络106(步骤8)。然后，支付网络106可以将TPAN路由到中心平台112(步骤9)，然后，中心平台112将接收到的TPAN替换为实际PAN，并将它发回到支付网络(步骤10)。然后，支付网络116可以将实际PAN路由到发行方114(步骤11)，以便继续认证过程。值得注意的是，在清算过程中(例如，在工作日结束时)，可以执行类似的TPAN替换过程。
图7示出了根据本发明的一实施例的用于移动和远程购物(例如，使用手机)的典型的交易情形(情形6)，其中，商家110与中心平台112进行通信。
交易可以例如从持卡人102使用他们的移动通信设备102a来进行购物开始(步骤1)。例如，图7示出了在移动通信设备102b中所提供的，并在移动通信设备102b上执行的商家应用程序122b。在步骤2中，在结帐过程中，商家应用程序122b可以与也在移动通信设备102a中执行的平台应用程序122a进行通信，以向平台应用程序发送对代理动态值的请求。在步骤3中，平台应用程序122a可以与持卡人102进行交互，以便标识持卡人选定的便携式支付设备，如上所述，或许还包括执行验证持卡人的验证过程。然后，平台应用程序122a可以将所选便携式支付设备转发到中心平台112。在步骤4中，如果持卡人102通过了验证，则中心平台112可以将代理动态值(例如，TPAN)与订货单信息一起发送到商家110的商家后端服务器122c。
认证过程可包括商家后端服务器122c将TPAN路由到采集方108(步骤5)，然后，采集方108将它发送到支付网络106(步骤6)。然后，支付网络106可以将TPAN路由到中心平台112(步骤7)，然后，中心平台112将接收到的TPAN替换为实际PAN，并将它发回到支付网络(步骤8)。然后，支付网络106可以将实际PAN路由到发行方94(步骤9)，以便继续认证过程。值得注意的是，在清算过程中(例如，在工作日结束时)，可以执行类似的TPAN替换过程。
图8示出了根据本发明的一实施例的用于移动和远程购物(例如，使用手机)另一个示例的典型的交易情形(情形7)，其中，商家110与中心平台112进行通信。
交易可以例如从持卡人102使用他们的移动通信设备102a来进行购物开始(步骤1)。例如，图8示出了在移动通信设备102b中所提供的，并在移动通信设备102b上执行的商家应用程序122b。在步骤2中，在结帐过程中，商家应用程序122b可以与商家110的商家后端服务器122c进行通信，以将订货单信息发送到后端服务器。在步骤3中，商家后端服务器122c可以向中心平台112发送对代理动态值的请求。
在步骤4和5中，中心平台112可以与持卡人102进行交互，以便标识持卡人选定的便携式支付设备，如上文所描述的，或许还包括执行验证持卡人的验证过程。在步骤6中，如果持卡人102通过了验证，则中心平台112可以将代理动态值(例如，TPAN)发送到商家110的商家后端服务器122c。
认证过程可包括商家后端服务器122c将TPAN路由到采集方108(步骤7)，然后，采集方108将它发送到支付网络106(步骤8)。然后，支付网络106可以将TPAN路由到中心平台112(步骤9)，然后，中心平台112将接收到的TPAN替换为实际PAN，并将它发回到支付网络(步骤10)。然后，支付网络116可以将实际PAN路由到发行方114(步骤11)，以便继续认证过程。值得注意的是，在清算过程中(例如，在工作日结束时)，可以执行类似的TPAN替换过程。
图9示出了可用于实现本发明的计算机系统实施例的计算机系统。在一个实施例中，计算机系统可包括诸如视频显示设备之类的接口。该接口可以是用户可以通过因特网访问的Web门户。Web门户可包括订户的登录屏幕。该界面可以是传递给诸如PDA或蜂窝式电话之类的移动通信设备的GUI。
上文所描述的实体或组件中的任何一个可包括图9所示出的子系统或组件中的一个或多个。图中示出的子系统通过系统总线975互连。示出了额外的子系统，如打印机974、键盘978、固定盘979，耦合到显示适配器982的监视器976及其它。耦合到I/O控制器971的外围设备以及输入/输出(I/O)设备可以通过任意数量的本领域内已知的装置(如串行端口977)连接到计算机系统。例如，串行端口977或外部接口981可用于将计算机设备连接到诸如因特网之类的广域网，鼠标输入设备，或扫描仪。通过系统总线的互连可使中央处理器973与每一子系统进行通信，并控制来自系统存储器972或固定盘979的指令的执行，以及子系统之间的信息的交换。系统存储器972和/或固定盘979可以具体化为导致中央处理器973执行上文所描述的步骤的计算机可读介质。
本申请中所描述的软件组件或功能中的任何一个都可以被实现为，使用任何合适的计算机语言，诸如，例如，Java、C++或Perl，使用，例如，常规或面向对象的技术，由处理器执行的软件代码。软件代码可以作为一系列指令或命令存储在计算机可读介质上，诸如随机存取存储器(RAM)、只读存储器(ROM)、诸如硬盘驱动器或软盘之类的磁性介质，或诸如CD-ROM之类的光学介质。任何这样的计算机可读介质可以驻留在单一计算设备上或位于其内，并可以存在于系统或网络内的不同的计算设备上或位于其内。
上文的描述只是说明性的，而不是限制性的。在阅读了此说明书之后，本发明的许多变化将对本领域的技术人员变得显而易见。因此，本发明的范围不应以上面的描述来确定，而是应该以待审批的权利要求以及它们的完全的范围或等效内容来确定。
在不偏离本发明的范围的情况下，来自任何实施例的一个或多个特征可以与任何其他实施例的一个或多个特征相结合。
“一个”或“该”旨在意味着“一个或多个”，除非特别声明。
图10示出了本发明的各实施例的概述，以及对四方支付模型的参与者的增值好处的摘要。
所公开的实施例的优点包括在电子商务或移动电子商务交易的结帐过程中降低对于持卡人的未到期的摩擦，提供安全结帐过程，而不会对持卡人的个人信息有打扰性的查询。当在理论上跨任何支付环境进行购物时，持卡人可以使用他们的手机作为个人并且受信任的支付设备。持卡人体验包括流线化结帐过程：他只需输入他的手机号码。交易更安全，不管是亲自执行还是在线或通过移动设备，因为在持卡人和商家之间没有交换关于卡的实际数据。在保证所需要的安全性的同时轻松地提供了灵活性，无论是一因素还是两因素认证。持卡人可以从他们的手机上的多个便携式支付设备(例如，多个信用卡)中轻松地选择。实施例还通过存储交易收据来促进记录，以管理支付。
商家得益于所公开的实施例，对在线商业活动的参与度增大，通过新在线渠道以及零售策略，增大了机会。由于强的认证选项(一或两因素认证)以及通过使用诸如临时PAN之类的代理动态值，商家还得益于欺诈可能性降低。更快的结帐过程可使商家快速地结束交易过程，以便他可以移动到下一个客户。对持卡人的信息(例如，地址)的访问轻松而有效地实现，而不会增大加持卡人摩擦。
本发明的各实施例甚至可以有益于单元服务载体。例如，本发明的各实施例可以增强手机及其他移动设备的价值，如此，驱动这样的设备用作购物以及支付工具的需求。

Claims (16)

1.一种用于在持卡人以及商家之间进行支付交易的方法，所述方法包括下列步骤：
响应于所述持卡人启动交易，在支付处理网络的计算机系统处接收对于获得来自所述商家的计算机系统的代理动态值的请求；
响应于接收对于获得来自所述商家的计算机系统的所述代理动态值的请求，由所述支付处理网络的所述计算机系统向同所述持卡人相关联的持卡人通信设备呈现列表，所述列表是所述持卡人已经在所述支付处理网络的所述计算机系统处注册的便携式支付设备的列表；
从所述持卡人通信设备接收对来自所述便携式支付设备的列表中的便携式支付设备的选择；
所述支付处理网络的所述计算机系统生成并关联代理动态值，所述代理动态值不同于但对应于所述便携式支付设备的主要帐户号码PAN；以及
由所述支付处理网络的所述计算机系统将所述代理动态值提供到所述商家的所述计算机系统；
在所述商家的所述计算机系统接收到所述代理动态值之后，由所述支付处理网络的所述计算机系统接收所述代理动态值；以及
由所述计算机系统返回所述主要帐户号码PAN，
其中，所述交易是使用所述主要帐户号码PAN来完成的。
2.如权利要求1所述的方法，其特征在于，还包括:所述支付处理网络的所述计算机系统从所述商家的采集银行接收所述代理动态值，并响应于此，向所述采集银行发送相对应的PAN，其中，所述交易的结束包括所述采集银行向所述持卡人的发行银行发送所述相对应的PAN。
3.如权利要求1所述的方法，其特征在于，所生成的代理动态值在单个支付交易期间有效。
4.如权利要求1所述的方法，其特征在于，响应于与所述支付设备进行的每个支付交易，生成新的代理动态值。
5.如权利要求1所述的方法，其特征在于，还包括：
在所述支付处理网络的所述计算机系统处，接收独立于所述PAN的代理动态值；
所述支付处理网络的所述计算机系统基于所述代理动态值，确定对应的PAN；以及
从所述支付处理网络的所述计算机系统提供所确定的PAN，以便使得所述支付交易结束。
6.如权利要求1所述的方法，其特征在于，
在启动所述支付交易期间，所述持卡人将不同于所述PAN且不同于所述代理动态值的用户标识符提供给所述商家；
所述商家将所述用户标识符作为代理动态值请求的一部分提供给所述支付处理网络的所述计算机系统；以及
所述支付处理网络的所述计算机系统至少部分基于所述用户标识符并所述代理动态值与所述PAN相关联。
7.如权利要求6所述的方法，其特征在于，所述交易是从移动电话启动的，所述移动电话具有相关联的移动电话号码，并且所述用户标识符包括所述移动电话号码。
8.如权利要求1所述的方法，其特征在于，所述代理动态值是所述支付处理网络的所述计算系统响应于从所述商家接收到对所述代理动态值的所述请求而新生成的。
9.如权利要求1所述的方法，其特征在于，所述代理动态值被格式化为主要帐户号码。
10.如权利要求1所述的方法，其特征在于，所述便携式支付设备包括信用卡、借记卡，或预付卡中的一个或多个。
11.被配置成执行如权利要求1所述的方法的计算机系统。
12.一种用于促进在持卡人以及商家之间进行支付交易的方法，所述方法包括下列步骤：
在所述持卡人和支付处理网络的计算机系统之间执行注册过程，其中所述注册过程包括：
由所述支付处理网络的所述计算机系统从同所述持卡人相关联的持卡人通信设备处接收同所述持卡人相关联的便携式支付设备的列表；以及
由所述支付处理网络的所述计算机系统从所述持卡人通信设备处接收用于所述持卡人的通信信息；
响应于所述持卡人启动支付交易，在支付处理网络的计算机系统处接收对于获得来自所述商家的计算机系统的代理动态值的请求；
响应于接收对于获得来自所述商家的计算机系统的所述代理动态值的请求，与所述持卡人通过所述持卡人通信设备进行通信,以从所述便携式支付设备的列表中选择支付设备，其中与所述持卡人通信是使用用于所述持卡人的所述通信信息来完成的；
响应于所述持卡人选择所述便携式支付设备，在所述支付处理网络的所述计算机系统处生成对应于持卡人的所选便携式支付设备的代理动态值，其中所述代理动态值与所选便携式支付设备的实际主要帐户号码相关联并相对应，但所述代理动态值不是所述实际主要帐户号码；以及
由所述支付处理网络的所述计算机系统向所述商家的所述计算机系统提供所述代理动态值，
在所述商家的所述计算机系统接收所述代理动态值之后，由所述支付处理网络的所述计算机系统接收所述代理动态值；以及
由所述支付处理网络的所述计算机系统返回所述实际主要账户号码，
其中，所述实际主要账户号码被用来达成所述交易。
13.如权利要求12所述的方法，其特征在于，还包括下列步骤：
从除所述商家的所述计算机系统以外的发送方接收所述代理动态值；以及
向所述发送方发送表示与所述代理动态值相关联的所述实际主要帐户号码的信息。
14.如权利要求12所述的方法，其特征在于，所述代理动态值被格式化为主要帐户号码。
15.如权利要求12所述的方法，其特征在于，所述与所述持卡人进行通信包括对所述持卡人执行认证过程。
16.被配置成执行如权利要求13所述的方法的计算机系统。
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