发明名称 METHODS AND SYSTEMS FOR SELECTING ACCOUNTS AND OFFERS IN PAYMENT TRANSACTIONS
摘要 Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct payment transactions at merchant locations including brick and mortar locations and remote locations as well as for person to person transactions.
申请公布号 US2016335613(A1) 申请公布日期 2016.11.17
申请号 US201615219134 申请日期 2016.07.25
申请人 PAYPAL, INC. 发明人 Laracey Kevin
分类号 G06Q20/10;G06Q20/20;G06Q20/32 主分类号 G06Q20/10
代理机构 代理人
主权项 1. A transaction management system, comprising: a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising: establishing a checkout device session associated with a checkout device,associating checkout token information with the checkout device session,providing, for display on the checkout device during the checkout device session, a checkout token that encodes the checkout token information,establishing, in response to a communication with a user device, a user session associated with a user account,receiving, from the user device during the user session, transaction information that was captured by the user device at the checkout device and that corresponds to the checkout token displayed on the checkout device during the checkout device session,determining that the transaction information received from the user device during the user session corresponds to the checkout token information associated with the checkout device session,receiving, from the checkout device during the checkout device session, a transaction amount,associating the transaction amount received from the checkout device during the checkout device session with the user account based on the transaction information received from the user device during the user session corresponding to the checkout token information encoded by the checkout token displayed on the checkout device during the checkout device session,identifying a plurality of payment instruments and at least one transaction rule that is associated with the user account,selecting at least one of the plurality of payment instruments using the at least one transaction rule, andperforming a transaction for the transaction amount using the at least one of the plurality of payment instruments.
地址 San Jose CA US