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1. 发明授权

US10430771B2 Systems and methods for payment processing on platforms 有权
公开(公告)号：US10430771B2
公开(公告)日：2019-10-01
申请号：US14327455
申请日：2014-07-09
申请人： Mercury Payment Systems, LLC
发明人： Robert Bonestell , Kevin Oliver , Matthew D. Ozvat , Andrew Harris , Daniel Ourada
IPC分类号： G06Q20/20 , G06Q20/38 , G06Q20/32 , G06Q20/40
摘要： Systems and methods for payment processing on devices are provided. Such systems and methods enable payment processing to be completed with a peripheral device (such as a magnetic card reader) and a point of sales system, without the need for extensive developer integration. The system receives a payment charge amount from a point of sales system. The system also detects (or dynamically populates) peripheral devices that are used to capture account information. The peripheral device is a supported device type with an associated library, which includes data for properly interfacing with the peripheral device. The system provides the captured account data, a merchant ID and the amount of the charge to a payment management system. The system likewise receives a response (approve or decline) from the payment management system.

2. 发明授权

US10346838B2 Systems and methods for distributed enhanced payment processing 有权
公开(公告)号：US10346838B2
公开(公告)日：2019-07-09
申请号：US13743283
申请日：2013-01-16
申请人： Mercury Payment Systems, LLC
发明人： Matthew D. Ozvat , Michelle K. Plomske , Charles E. Watts , Robert Bonestell , Daniel Ourada , Kevin Oliver
IPC分类号： G06Q20/40 , G06Q20/02 , G06Q20/20
摘要： A distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a remote virtual electronic payment (VEP) entity system. Upon receiving a VEP entity system response, the payment management system outputs the response and token to the POS terminal system.

3. 发明授权

US10152711B2 Systems and methods for arbitraged enhanced payment processing 有权
公开(公告)号：US10152711B2
公开(公告)日：2018-12-11
申请号：US13957424
申请日：2013-08-01
申请人： Mercury Payment Systems, LLC
发明人： Matthew D. Ozvat , Nicholas G. Nayfack , John Berkley , Travis L. Priest , Michelle K. Plomske , Charles E. Watts , Robert Bonestell , Daniel Ourada , Kevin Oliver
IPC分类号： G06Q20/00 , G06Q20/38 , G06Q20/20 , G06Q20/40
摘要： An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.

4. 发明申请

US20140180924A1 SYSTEMS AND METHODS FOR COST ALTERING PAYMENT SERVICES 审中-公开
标题翻译：用于支付服务费用的系统和方法
公开(公告)号：US20140180924A1
公开(公告)日：2014-06-26
申请号：US14135555
申请日：2013-12-19
申请人： MERCURY PAYMENT SYSTEMS, LLC
发明人： Matthew D. Ozvat , John Berkley , Kevin Oliver , William T. Cooper , Charles E. Watts , Rachel B. Cochran
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4016 , G06Q20/20
摘要： Cost altering payment services (“CAPS”) system in association with a distributed enhanced payment (“DEP”) processing system includes a merchant point of sale (“POS”) terminal system and a remote enhanced payment management system (“EPMS”). The remote EPMS receives payment transactions including additional risk mitigating payment transaction (“RMPT”) information and based on that additional RMPT information provides altered transaction costs. The remote EPMS provides facilities for the merchant to review and revise payment management services so as to utilize additional RMPT information received from the merchant POS terminal system so as to alter transaction costs. Such facilities provide information to determine the relative potential transaction cost benefits of various payment management service sets utilizing cost profiles that represent the costs of archival, recorded and projected future transactions. The remote EPMS provides “transaction guidance” technology to be utilized by the merchant's POS terminal system to facilitate prompting for and acquiring additional RMPT information.
摘要翻译：与分布式增强支付（“DEP”）处理系统相关联的成本改变支付服务（“CAPS”）系统包括商户销售点（POS）终端系统和远程增强支付管理系统（“EPMS”）。远程EPMS接收支付交易，包括额外的风险缓解支付交易（“RMPT”）信息，并且基于额外的RMPT信息提供改变的交易成本。远程EPMS为商家提供检查和修改支付管理服务的设施，以利用从商家POS终端系统接收的附加RMPT信息，以便改变交易成本。这些设施提供信息，以确定使用代表存档，记录和预计的未来交易的成本的成本简档来确定各种支付管理服务集合的相对潜在交易成本收益。远程EPMS提供商业POS终端系统利用的“交易指导”技术，以便于提示和获取额外的RMPT信息。

5. 发明申请

US20140040148A1 SYSTEMS AND METHODS FOR ARBITRAGED ENHANCED PAYMENT PROCESSING 审中-公开
标题翻译：用于仲裁增强付款处理的系统和方法
公开(公告)号：US20140040148A1
公开(公告)日：2014-02-06
申请号：US13957424
申请日：2013-08-01
申请人： Mercury Payment Systems, LLC
发明人： Matthew D. Ozvat , Nicholas G. Nayfack , John Berkley , Travis L. Priest , Michelle K. Plomske , Charles E. Watts , Robert Bonestell , Daniel Ourada , Kevin Oliver
IPC分类号： G06Q20/38
CPC分类号： G06Q20/3829 , G06Q20/20 , G06Q20/385 , G06Q20/40
摘要： An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.
摘要翻译：与分布式增强支付处理系统相关联的套利增强支付处理系统包括商户销售点（POS）终端系统和远程支付管理系统。 POS终端系统通过支付客户端启动包括接收支付金额，购买者帐户标识符，虚拟电子支付指示符和商家ID的交易。随后，POS终端系统将交易输出到生成用于交易的令牌的远程支付管理系统。然后，支付管理系统向支付处理服务商提供购买者帐户标识符，商家帐户标识符和支付金额。在接收到支付处理服务器响应时，支付管理系统向POS终端系统输出响应和令牌。

6. 发明申请

US20140114860A1 Systems and Methods for Expedited Automated Merchant Boarding 审中-公开
标题翻译：快速自动商户登船系统和方法
公开(公告)号：US20140114860A1
公开(公告)日：2014-04-24
申请号：US14059425
申请日：2013-10-21
申请人： Mercury Payment Systems, LLC
发明人： Matthew D. Ozvat , John Berkley , Kevin Oliver , William T. Cooper
IPC分类号： G06Q20/38 , G06Q20/20
CPC分类号： G06Q20/382 , G06Q20/20 , G06Q20/202 , G06Q30/06 , G07G1/14
摘要： An expedited automated merchant boarding system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote enhanced payment management system (EPMS). The remote EPMS pre-boards anticipated POS terminal system components and records pre-boarding results information. The POS terminal system initiates merchant boarding by transmitting merchant account information. The remote EPMS receives merchant account information and establishes a merchant account. The POS terminal system utilizes protocol transactions including auto-boarding information to initiate auto-boarding with the remote EPMS. The remote EPMS auto-boards the POS terminal system utilizing received auto-boarding information and recorded pre-boarding results. The remote EPMS turns up selected payment management services for the merchant POS terminal system. The POS terminal system utilizes payment transactions to conduct validation of successful interoperation with the remote EPMS. The remote EPMS enables utilization of selected payment management services by the POS terminal system.
摘要翻译：与分布式增强支付处理系统相关联的快速自动商业登机系统包括商业销售点（POS）终端系统和远程增强支付管理系统（EPMS）。远程EPMS预板预期POS终端系统组件和记录预登记结果信息。 POS终端系统通过传送商家帐号信息来发起商户登机。远程EPMS接收商户帐号信息并建立商户帐号。 POS终端系统使用包括自动登机信息的协议交易来启动与远程EPMS的自动登机。远程EPMS使用接收到的自动登机信息自动登录POS终端系统并记录预登记结果。远程EPMS为商家POS终端系统提供所选择的支付管理服务。 POS终端系统利用支付交易来进行与远程EPMS成功互操作的验证。远程EPMS能够利用POS终端系统选择的支付管理服务。

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