PAYMENT SYSTEM

专利名称：PAYMENT SYSTEM

发明人：Westley Stringfellow,Peter Winfield-Chislett,Itamar Lesuisse,RaymondTamblyn,Verónica Casabonne

申请号：US13177303申请日：20110706

公开号：US20120030066A1公开日：20120202

专利附图：

摘要：Embodiments of the invention provide a method of processing paymentauthorization requests for payment transactions to be conducted via a data

communications network on behalf of online merchants, the payment authorizationrequests are conducted as a result of orders by financial instrument holders via a

plurality of different online merchant systems. Each of the online merchants has an onlinemerchant identity. The method is conducted by a trusted central intermediary systemwhich is arranged to transmit payment authorization requests to each of a plurality ofdifferent online merchant Internet Payment Service Provider (IPSP) systems. Each

merchant IPSP system is arranged to transmit payment authorization requests to at leastone of a plurality of acquiring bank payment processor systems, and each of saidplurality of acquiring bank payment processor systems is responsible for processingpayment authorizations for at least one of said acquiring banks. Embodiments of theinvention enable a user to select a payment method on a per transaction basis, whilstremoving the requirement for the user to provide payment details to individual onlinemerchant systems or to their merchant IPSP systems. Thus, providing that onlinemerchants, or their merchant IPSPs, subscribe to a service arranged to perform themethod, users only have to submit their respective payment details, preferably onlyonce, to a separate, trusted entity.

申请人：Westley Stringfellow,Peter Winfield-Chislett,Itamar Lesuisse,RaymondTamblyn,Verónica Casabonne

地址：London GB,London GB,London GB,London GB,London GB

国籍：GB,GB,GB,GB,GB

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