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公开(公告)号:US20140201079A1
公开(公告)日:2014-07-17
申请号:US14079711
申请日:2013-11-14
Applicant: Orbis Patents Ltd.
Inventor: Stephen KAVANAGH , Conor CLARKE , Kleron GUILFOYLE , Patrick BROSNAN
CPC classification number: G06Q20/34 , G06F17/30289 , G06K19/00 , G06Q20/04 , G06Q20/08 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q20/22 , G06Q20/24 , G06Q20/305 , G06Q20/32 , G06Q20/354 , G06Q20/40 , G06Q20/4014 , G06Q20/403 , G06Q20/4037 , G06Q20/405 , G06Q20/407 , G06Q40/02 , G07F7/08 , G07F7/122
Abstract: A transaction processing system for the real time authorization of payment transactions. The system comprises a verification system (4) connected to an issuer card management system (3). A cardholder can access the system via an interface (2) which can be for example the Internet, a wireless device, telephone, or a branch visit. The interface allows the cardholder to input rules governing how their credit card transactions are to be authorized. When the cardholder initiates a purchase transaction with their credit card, an authorization request is passed from the card network to the verification system which executes the rules created by the cardholder in order to approve or deny the transaction.
Abstract translation: 一种交易处理系统,用于支付交易的实时授权。 该系统包括连接到发行者卡管理系统(3)的验证系统(4)。 持卡人可以通过可以是例如因特网,无线设备,电话或分支访问的接口(2)访问系统。 该接口允许持卡人输入管理如何授权其信用卡交易的规则。 当持卡人使用信用卡启动购买交易时,授权请求将从卡网络传递到验证系统,该验证系统执行持卡人创建的规则,以批准或拒绝交易。