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公开(公告)号：US08636203B1
公开(公告)日：2014-01-28
申请号：US11566596
申请日：2006-12-04
CPC分类号： G06Q20/405 , G06Q20/12 , G06Q20/401
摘要： Embodiments of methods and systems in accordance with the present invention allow partial authorization of a financial transaction. In one embodiment, where a balance of a prepaid card is insufficient to cover the entire amount of a transaction, the issuer of the prepaid card transmits over a payment processing system, approval for only the amount remaining on the card. The transaction can then be completed by the purchaser providing an additional sum from another source, such as a credit card. Such automatic partial authorization in accordance with an embodiment of the present invention avoids the delay and cost associated with having to re-execute the transaction for a less than the entire amount.
摘要翻译： 根据本发明的方法和系统的实施例允许对金融交易的部分授权。 在一个实施例中，如果预付卡的余额不足以覆盖整个交易量，则预付费卡的发行者通过支付处理系统发送仅批准卡上剩余的金额。 该交易然后可以由买方完成，从另一来源（例如信用卡）提供额外的金额。 根据本发明的实施例的这种自动部分授权避免了与少于整个量重新执行交易相关联的延迟和成本。
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公开(公告)号：US20090063355A1
公开(公告)日：2009-03-05
申请号：US11848475
申请日：2007-08-31
申请人： Nizam Antoo , Tim Boccia , Todd Brockman
发明人： Nizam Antoo , Tim Boccia , Todd Brockman
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/0855 , G06Q20/105 , G06Q20/1085 , G06Q20/18 , G06Q20/28 , G06Q20/32 , G06Q20/3255 , G06Q20/3278 , G06Q20/349 , G06Q20/352 , G06Q20/40 , G07F19/20 , G07F19/204
摘要： A method is disclosed. The method includes providing tender at an automatic teller machine (ATM), where the automatic teller machine is in operative communication with a payment processing network. The automatic teller machine sends a transaction authorization request message to an issuer of a portable consumer device, and the issuer authorizes or does not authorize the transaction authorization request message.
摘要翻译： 公开了一种方法。 该方法包括在自动取款机（ATM）提供投标，其中自动取款机与支付处理网络进行操作性通信。 自动取款机向便携式消费者设备的发行者发送交易授权请求消息，并且发行者授权或不授权交易授权请求消息。
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