CN109564657A - 代表支付卡系统交易收单方进行商家的支付的系统和方法 - Google Patents

代表支付卡系统交易收单方进行商家的支付的系统和方法 Download PDF

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CN109564657A
CN109564657A CN201780036395.2A CN201780036395A CN109564657A CN 109564657 A CN109564657 A CN 109564657A CN 201780036395 A CN201780036395 A CN 201780036395A CN 109564657 A CN109564657 A CN 109564657A
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businessman
transaction
account
acquirer
payment
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S·马尔霍特拉
S·苏布拉马尼亚姆
D·J·洛博格
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Mastercard International Inc
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Abstract

卡支付网络处理支付卡账户系统交易。该交易涉及商家并且由交易收单方收单。卡支付网络发起电子资金转账，以代表交易收单方将商家的银行存款账户记入贷方。

Description

代表支付卡系统交易收单方进行商家的支付的系统和方法
相关申请的交叉引用
本申请要求美国临时专利申请62/350,322(2016年6月15日提交)；62/350,335(2016年6月15日提交)；62/350,407(2016年6月15日提交)；62/350,416(2016年6月15日提交)；62/350,821(2016年6月16日提交)；62/350,831(2016年6月16日提交)；62/351,016(2016年6月16日提交)；62/351,155(2016年6月16日提交)；62/351,164(2016年6月16日提交)；以及62/351,227(2016年6月16日提交)的权益，这些临时申请的内容为了所有目的通过引用并入本文。
背景技术
在大多数支付卡系统所基于的“四方(four party)模型”中，接受支付卡交易的商家经由与交易收单方的协议来这样做。交易收单方通常是金融机构，其被授权以充当发行支付卡的金融机构和商家之间的中间方。采用四方模型的系统是MasterCard、Visa、RuPay和Union Pay(银联)。收单方通常使用常规的EFT支付网络轨道向商家进行支付，并基于商家在扣除费用和适用的商家折扣率(MDR)之后与收单方的净结算头寸(net settlementpositions)将资金存入商家的银行账户。建立此类支付是复杂的，并且商家经常在支付卡交易发生三天之后接收到付款。
本发明人现在已经认识到有机会改进关于支付卡交易对商家支付的处理。
附图说明
当结合附图考虑本发明的以下具体实施方式时，本公开的一些实施例的特征和优点以及实现它们的方式将变得更加显而易见，附图图示了优选实施例和示例实施例，并且不一定按比例绘制，其中：
图1是支付卡账户系统的框图。
图2是诸如EFT(电子资金转帐)系统的支付系统的框图。
图3是根据本公开的方面提供的支付卡系统的框图。
图4是可以在图3的系统中执行功能的示例计算机系统的框图。
图5、图6、图7和图8是图示根据本公开的方面的可以在图3的系统中执行的处理的流程图。
具体实施方式
通常，并且为了引入本公开的实施例的概念，可以使EFT支付网络与支付卡系统一起能够为收单方提供集成的商家支付解决方案。卡系统运营者可以提供自动支付功能，该功能允许由商家引起的结算的自动计算以及使用EFT支付网络立即实现将商家的银行账户记入贷方或记入借方。
从收单方的角度来看，商家可以经由到支付卡系统运营者的批量数据加载被登记到自动化系统中。附加地或替代地，支付卡系统运营者可以托管自助服务门户，该自助服务门户允许商家提供或更新它们的银行账户详细信息。自动化系统还可以实现基于由收单方定义的触发器在到期时执行付款的后台自动化。
这种用于支付商家的自动化系统可以缩短卡交易的执行和向商家支付之间的时间，从而改善商家的现金流。此外，可以减少收单方的管理负担，并且可以使收单方能够为其所支持的商家提供更好的服务。
图1是图示支付卡账户系统100的框图。
系统100包括客户设备102，诸如磁条卡、支付IC(集成电路)卡(非接触式和/或接触式)或启用支付的移动设备。图1中的方框104表示诸如POS(销售点)终端/读卡器之类的商家设备。商家设备104也可以被认为是支付卡账户系统100的一部分。客户设备102可以被呈现给商家设备104，以完成购买交易并允许商家设备104从客户设备102读取支付卡账户数据(包括例如支付账号)。在其它情况下，商家设备104可以是电子商务服务器计算机，并且客户设备102可以是个人计算机、运行移动浏览器的移动设备等；在这种情况下，客户设备102可以进行与由商家设备104托管的电子商务网站的在线购物会话。
由收单方(收单金融机构)操作的计算机106也被示出为图1中的系统100的一部分。收单方计算机106可以从商家设备104接收针对交易的支付账户系统授权请求消息。收单方计算机106可以将授权请求消息经由卡网络108路由到由支付账户的发行方操作的服务器计算机110，该支付账户与由商家设备104(例如，从客户设备102)获得的账号相关联并且被包括在授权请求消息中。由支付发行方服务器计算机110生成的授权响应消息可以经由卡网络108和收单方计算机106路由回商家设备104。
卡网络的一个众所周知的示例被称为“Banknet”系统，并且由作为本文受让方的Mastercard国际公司进行操作。
支付账户发行方服务器计算机110可以由金融机构(“FI”)操作或代表金融机构(“FI”)进行操作，该金融机构向诸如呈现或操作上述客户设备102的客户的个人用户发行支付账户。例如，支付卡发行方服务器计算机110可以执行诸如以下的功能：(a)接收和响应对由FI发行的支付账户进行收费的支付账户交易的授权请求；以及(b)跟踪和存储交易并维护账户记录。
商家、收单方、卡网络和/或发行方之间的支付卡账户系统通信可以符合诸如ISO8583的已知标准。
如图1中所绘出的系统100的组件仅是处理单个交易所需的组件。典型的支付系统可以处理许多购买交易(包括同时交易)，并且可以包括相当大数量的支付账户发行方及其计算机、相当大数量的收单方及其计算机、以及许多商家及其设备，以及非常大量的客户设备。
图2是图示支付网络系统200的框图，支付网络系统200的一个示例是在美国操作的ACH(自动化清算所)系统。
系统200包括可以是由交易的发起方(originator)操作的计算机的发起方设备202。常见的交易种类是贷记(credit)交易和借记(debit)交易。发起方是发起交易的一方。发起方可以是例如个人或公司或其它组织。
系统200还包括发起方PSP(支付服务提供商)计算机204。发起方PSP计算机204从发起方接收支付指令并将反映指令的数据条目转发到也作为系统200的一部分的支付系统交换机/网络206。发起方PSP计算机204可以由其中发起方是客户的发起方PSP进行操作。交换机/网络206可以由用作系统200的清算设施的政府或私人实体进行操作。
系统200中还包括受益方PSP计算机208。受益方PSP计算机208从支付系统交换机/网络206接收条目，并将条目过账到存款方的账户。
更进一步地，系统200包括受益方210，受益方210是受益方PSP的存款方之一。在贷记交易的情况下，受益方的受益方PSP处的账户可以被存入所指示的将由发起方设备202支付的金额。受益方可以是例如个人或公司或其它组织。两个PSP通常可以是银行或其它金融机构(FI)。
系统200中的各方之间的通信通常可以使用XML(可扩展标记语言)来进行，并且可以符合根据ISO 20022的标准。
如图2中所绘出的系统200的组件仅是处理单个交易所需的组件。典型的支付网络系统可以处理许多交易(包括同时交易)，并且可以包括相当大数量的PSP及其计算机、一个或多个清算操作方以及许多发起方和受益方。
图3是根据本公开的方面提供的支付卡系统300的框图。
支付卡系统300可以包括上面结合图1描述的所有组件，包括客户设备102、商家设备或系统(用标号104a标记以反映它可以在系统300中提供的附加功能)、交易收单方(用标号106a标记以反映它可以在系统300中提供的附加功能)、卡网络(用标号108a标记以反映它可以在系统300中提供的附加功能)，以及支付卡发行方110。
进一步地，支付卡系统300可以包括商家支付服务计算机302。商家支付服务计算机302可以与卡网络108a进行通信，并且可以与卡网络108a进行共同操作。在一些实施例中，构成商家支付服务计算机302的硬件可以至少部分地与实现卡网络108a的一个或多个计算机系统重叠。下面将描述商家支付服务计算机302的详细信息。通常，商家支付服务计算机302可以接收和存储商家的存款账户详细信息，并且可以管理从收单方欠商家的支付的执行。对于其中商家支付服务计算机302与卡网络108a进行共同操作或者在硬件方面至少部分地与卡网络108a重叠的实施例，本文归属于商家支付服务计算机302的动作也可以被认为已经由卡网络108a执行。
支付卡系统300还被示出为包含发起方支付服务提供商(O-PSP)304。O-PSP可以类似于上面结合图2描述的项目204，并且可以与商家支付服务计算机302进行通信。
此外，支付卡系统300可以包括支付交换机/网络306或者与支付交换机/网络306处于合作关系，支付交换机/网络306可以类似于上面结合图2描述的项目206。支付交换机/网络306可以与O-PSP 304进行通信。
更进一步地，支付卡系统300被示出为包含受益方支付服务提供商(B-PSP)308。B-PSP 308可以类似于上面结合图2描述的项目208。B-PSP 308可以与支付交换机/网络306进行通信。
通信信道或可能的通信信道也分别被示出为从收单方106a和商家系统104a到商家支付服务计算机302。
图3中示出的组件304、306、308可以是诸如ACH系统的EFT系统的一部分。
除了表示所指示的实体之外，图3中所示的方框中的任何一个或多个方框也可以被认为表示由这样的实体操作的一个或多个计算机系统。
图4是商家支付服务计算机302的示例实施例的框图。
现在参考图4，商家支付服务计算机302可以在其硬件方面类似于典型的服务器计算机和/或大型计算机，但是可以由软件控制以使其如本文所述那样工作。
商家支付服务计算机302可以包括操作性地耦合到通信设备401、存储设备404、输入设备406和输出设备408的计算机处理器400。通信设备401、存储设备404、输入设备406和输出设备408可以全部与处理器400进行通信。
计算机处理器400可以由一个或多个处理器构成。处理器400操作以执行被包含在下面描述的程序指令中的处理器可执行步骤，以便控制商家支付服务计算机302来提供期望的功能。
通信设备401可以用于促进与例如其它设备(诸如支付系统300的其它组件，包括卡网络108a、O-PSP 308、收单方106a和/或商家系统104a)的通信。通信设备401可以包括许多通信端口(未单独示出)，以允许商家支付服务计算机302与多个其它计算机和其它设备同时通信，包括同时处理与其它设备的多次交互所需的通信。
输入设备406可以包括通常用于将数据输入到计算机中的任何类型的外围设备中的一个或多个。例如，输入设备406可以包括键盘和鼠标。输出设备408可以包括例如显示器和/或打印机。
存储设备404可以包括任何适当的信息存储设备，包括磁存储设备(例如，硬盘驱动器)、光存储设备(诸如CD和/或DVD)和/或半导体存储器设备(诸如随机存取存储器(RAM)设备和只读存储器(ROM)设备)以及所谓的闪存的组合。可以将这样的信息存储设备中的任何一个或多个信息存储设备视为计算机可读存储介质或计算机可用介质或存储器。
存储设备404存储用于控制处理器400的一个或多个程序。程序包括程序指令(可以被称为计算机可读程序代码装置)，该程序指令包含商家支付服务计算机302的处理器可执行处理步骤，这些步骤由处理器400执行以使商家支付服务计算机302如本文所述那样工作。
程序可以包括一个或多个常规操作系统(未示出)，该操作系统控制处理器400以便管理和协调商家支付服务计算机302中的活动和资源的共享，并且用作在商家支付服务计算机302上运行的应用程序(下面描述)的宿主(host)。
存储在存储设备404中的程序可以包括例如应用程序410，用于提供一个或多个软件接口以允许商家支付服务计算机302接收提供商家银行账户的详细信息的输入。
可以存储在存储设备404中的另一个程序是web托管应用程序412，用于使商家支付服务计算机302能够托管商家和/或收单方可访问的一个或多个web门户，以允许它们进入或更新商家银行账户详细信息。
存储设备404还可以存储应用程序414，应用程序414对处理器400进行编程以使商家支付服务计算机302能够代表交易收单方管理对商家的支付。下面将描述商家支付应用程序414的详细信息。
存储设备404还可以存储一个或多个软件模块(方框416)，这些模块用作商家支付服务计算机302与作为上述EFT系统的组成部分的一个或多个O-PSP之间的软件接口。
存储设备404也可以存储未示出的其它程序，并且商家支付服务计算机302也可以执行未示出的其它程序。例如，这样的程序可以包括通信软件和报告应用。后一种程序可以响应来自系统管理员的对关于由商家支付服务计算机302执行的活动的报告的请求。其它程序也可以包括例如设备驱动器、数据库管理软件等。
更进一步地，存储设备404可以存储数据库418，数据库418存储已经被上传到商家支付服务计算机302的商家银行账户详细信息。存储设备404也可以存储商家支付服务计算机302的操作所需的一个或多个其它数据库420。
系统300的其它计算机化组件可以由具有与本文参考图4所描述的相同类型的组件和硬件架构的计算机硬件构成。
图5是图示根据本公开的方面的可以在图3的系统中执行的处理的流程图。
在图5中的502处，商家支付服务计算机302接收商家银行账户详细信息。在一些实施例中，可能存在由商家支付服务计算机302接收商家银行账户详细信息的三种或更多种方式。这些方式可以包括，例如：(a)收单方向商家支付服务计算机302发送包含由收单方支持的多个商家的商家银行账户详细信息的批处理文件；(b)收单方经由直接API将商家银行账户详细信息上传至商家支付服务计算机302；(c)如上所述的商家与商家自助服务门户的交互；(d)可供收单方支持人员使用的一个或多个门户。这些门户可以通过以下中的一个或多个变得可用：(i)与收单系统交互的web服务API；(ii)从收单方的角度由客户支持职工访问的web门户；(iii)由商家支付服务计算机302托管的供商家访问的门户。后一种门户可以用作“一站式商店”以允许商家访问收单服务，使得商家可以对它们的支付银行账户详细信息进行相关改变并且访问提供支付时间表和给定商家的记录的支付历史的报告。
后一种门户也可以直接提供商家的商家注册，并且也可以允许收单方支持职工访问以录入详细信息。图6是图示这种处理的实施例的流程图。在图6中的602处，商家/商家职员可以录入必要的数据以识别商家和商家的银行账户信息。在图6中的604处，可以在商家支付服务计算机302和商家/商家职员之间进行通信，以满足“了解您的客户”的合规性要求。这可能涉及由商家提交合适的文件(例如，扫描的文件的传真)以及系统员工对这些文件的审查。
在图6中的606处，商家支付服务计算机302可以进行合适的ID&V(识别和验证)处理以确保对进行注册的商家的认证。(当商家更新其注册数据时，可能发生类似的ID&V处理)。
在608处，商家支付服务计算机302可以向商家确认注册处理完成。
当收单方上传商家相关的数据时，上传的数据可以包括诸如银行账户详细信息(银行、路由号码(routing number)和银行账号)、MDR、服务费和支付频率之类的相关信息。
再次参考图5，在504处，商家支付服务计算机302存储由收单方和/或商家上传的商家银行账户详细信息和其它数据。
如在506处所指示的，进一步的处理可以在商家支付服务计算机302接收并存储商家银行账户详细信息之后的稍后时间发生。在稍后的时间，商家支付服务计算机302可以关于涉及商家的支付卡账户交易而管理对商家的支付(图5的方框508)。在这样做时，支付可以基于由卡网络108a收集的和可从卡网络108a获得的信息(图3)。卡网络108a可以具有来自商家和收单方的所有交易详细信息，并且因此可以使得能够向商家支付服务计算机302通知商家的净头寸并且对应地代表收单方直接向商家进行支付。
图7是图示可以在506处发生的处理的详细信息的流程图。
在图7中的702处，商家支付服务计算机302可以接收在一段时间(例如，一天)内商家的卡账户交易信息。
在704处，商家支付服务计算机302可以应用在商家和商家的收单金融机构之间生效的“MDR”(商家折扣率)。
在706处，商家支付服务计算机302可以计算商家相对于(vis a vis)收单方的净头寸，从而考虑MDR和任何当前的扣回(charge-back)交易。
在708处，商家支付服务计算机302可以发起EFT交易以向商家转账(transfer)从收单方欠的商家的净余额。该交易可以是经由EFT系统的贷记推送支付，如图3中的方框304、306和308所表示的。
在各种实施例或各种情况下，对于给定商家，在708处引用的EFT交易可以每天发生、或者比每天更频繁地定期发生、或者响应于由商家接受的和由账户发行方授权的每个支付卡账户系统交易而发生、或者每次达到欠商家的阈值余额时发生、或者比每天更低频率地发生；或者前述的某种组合。
在一些实施例中，商家支付服务计算机302可以保持由收单方欠商家的金额的运行总额。在通过达到正余额阈值来触发向商家的资金转账的情况下，收单方可能已经根据其与商家的服务协议并且作为由收单方执行的商家注册的一部分设置阈值。
在商家是债务人的情况下，则可以通过商家自助服务门户向商家提供机会来向收单方发起推送支付交易以结算商家对收单方的债务(obligation)。图8是图示商家结算对收单方的债务的处理的流程图。
在图8中的判定框802处，商家支付服务计算机302确定商家的净头寸是否使得商家欠收单方钱。如果在判定框802处做出肯定确定，则方框804可以在判定框802之后。(在判定框802处没有肯定确定的情况下，图8的处理可以结束)。在方框804处，商家支付服务计算机302可以向商家发送诸如文本消息或电子邮件消息之类的消息，以向商家通知商家具有相对于收单方的负余额。
判定框806可以在方框804之后。在判定框806处，商家支付服务计算机302可以确定商家是否已经请求发生转账来结算商家对收单方的债务。如果是，则方框808可以在判定框806之后。(在判定框806处没有肯定确定的情况下，图8的处理可以结束)。在808处，商家支付服务计算机302可以发起对商家的账户收取的并且使收单方受益的EFT转账，以便结算商家的债务。
如参考图3-图8所描述的布置可以简化收单方对商家的管理，并且同时可以关于由商家接受的支付卡账户系统交易向商家提供对在其银行存款账户处的现金的快速存取。
如本文和所附权利要求中所使用的，术语“计算机”应该被理解为涵盖单个计算机或彼此通信的两个或更多个计算机。
如本文和所附权利要求中所使用的，术语“处理器”应该被理解为涵盖单个处理器或彼此通信的两个或更多个处理器。
如本文和所附权利要求中所使用的，术语“存储器”应该被理解为涵盖单个存储器或存储设备或两个或更多个存储器或存储设备。
如本文和所附权利要求中所使用的，“服务器”包括响应来自其它设备的大量服务请求的计算机设备或系统。
以上对本文的处理的描述和图示不应被视为暗示用于执行处理步骤的固定顺序。相反，处理步骤可以以任何可实践的顺序执行，包括同时执行至少一些步骤。
如本文和所附权利要求中所使用的，术语“支付卡系统账户”包括信用卡账户、账户持有者可以使用借记卡访问的存款账户、预付卡账户、或可以从其完成支付交易的任何其它类型的账户。术语“支付卡系统账户”和“支付卡账户”和“支付账户”在本文中可互换使用。术语“支付卡账号”包括标识支付卡系统账户的号码或由支付卡携带的号码，或用于在处理支付卡交易的支付系统中路由交易的号码。术语“支付卡”包括信用卡、借记卡、预付卡或其它类型的支付工具，无论是实际的实体卡、电子卡还是虚拟卡。
如本文和所附权利要求中所使用的，术语“支付卡系统”或“支付账户系统”是指用于处理购买交易和相关交易的系统。这种系统的示例是由本公开的受让方MasterCard国际公司运营的系统。在一些实施例中，术语“支付卡系统”可以限于其中成员金融机构向个人、企业和/或其它组织发行支付卡账户的系统。
虽然已经结合具体示例实施例描述了本发明，但是应该理解的是，在不脱离如所附权利要求中阐述的本发明的精神和范围的情况下，可以对所公开的实施例进行对本领域技术人员显而易见的各种改变、替换和更改。

Claims (20)

1.一种方法，包括：
处理卡支付网络中的支付卡账户系统交易，所述交易涉及商家并且已经由交易收单方收单；以及
通过所述卡支付网络发起电子资金转账，以代表所述交易收单方将商家的存款账户记入贷方。
2.如权利要求1所述的方法，其中所述电子资金转账经由EFT(电子资金转账)系统。
3.如权利要求2所述的方法，其中所述电子资金转账经由ACH(自动化清算所)系统。
4.如权利要求1所述的方法，其中所述电子资金转账引起从属于所述交易收单方的账户向所述商家的存款账户的资金转账。
5.如权利要求1所述的方法，其中所述电子资金转账执行与包括所述支付卡账户系统交易的多个支付卡账户系统交易有关的资金转账。
6.如权利要求5所述的方法，其中所述电子资金转账相对于由所述交易收单方欠商家的资金的净头寸执行资金转账。
7.如权利要求6所述的方法，其中所述净头寸是由于所述交易收单方而产生的费用的净额。
8.一种方法，包括：
处理卡支付网络中的多个支付卡账户系统交易，所述交易都涉及商家并且已经由交易收单方收单；以及
通过所述卡支付网络发起电子资金转账，以代表所述交易收单方将商家的存款账户记入贷方，所述资金转账用于关于所述多个交易将净资金头寸从所述交易收单方转账到商家。
9.如权利要求8所述的方法，其中所述电子资金转账经由EFT(电子资金转账)系统。
10.如权利要求9所述的方法，其中所述电子资金转账经由ACH(自动化清算所)系统。
11.如权利要求8所述的方法，其中所述电子资金转账引起从属于所述交易收单方的账户向所述商家的存款账户的资金转账。
12.如权利要求8所述的方法，其中所述净资金头寸是由于所述交易收单方而产生的扣回交易和费用的净额。
13.如权利要求8所述的方法，还包括：
从所述交易收单方接收标识所述商家的存款账户的账户标识符。
14.如权利要求13所述的方法，其中：
所述账户标识符在消息中被接收，所述消息还包括定义由商家欠所述交易收单方的费用的折扣率。
15.一种装置，包括：
处理器；以及
存储器，与所述处理器进行通信，所述存储器存储程序指令，所述处理器与所述程序指令一起操作以执行如下功能：
处理卡支付网络中的多个支付卡账户系统交易，所述交易都涉及商家并且已经由交易收单方收单；以及
通过所述卡支付网络发起电子资金转账，以代表所述交易收单方将商家的存款账户记入贷方，所述资金转账用于关于所述多个交易将净资金头寸从所述交易收单方转账到商家。
16.如权利要求15所述的装置，其中所述电子资金转账经由EFT(电子资金转账)系统。
17.如权利要求16所述的装置，其中所述电子资金转账经由ACH(自动化清算所)系统。
18.如权利要求15所述的装置，其中所述电子资金转账引起从属于所述交易收单方的账户向所述商家的存款账户的资金转账。
19.如权利要求15所述的装置，其中所述净资金头寸是由于所述交易收单方而产生的扣回交易和费用的净额。
20.如权利要求15所述的装置，其中所述处理器还与所述程序指令一起操作，以从所述交易收单方接收标识所述商家的存款账户的账户标识符，所述账户标识符在消息中被接收，所述消息还包括定义由商家欠所述交易收单方的费用的折扣率。
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