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    Method and system for providing advanced authorization
    8.
    发明申请
    Method and system for providing advanced authorization 有权
    提供高级授权的方法和系统

    公开(公告)号：US20050149455A1

    公开(公告)日：2005-07-07

    申请号：US10863813

    申请日：2004-06-07

    申请人： Belva Bruesewitz ,  Nancy Hilgers ,  Patrick Faith ,  Kevin Siegel ,  Xiaoli Li

    发明人： Belva Bruesewitz ,  Nancy Hilgers ,  Patrick Faith ,  Kevin Siegel ,  Xiaoli Li

    IPC分类号： G06F17/60

    CPC分类号： G06Q20/4016 ,  G06Q20/04 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q20/409 ,  G06Q40/025 ,  G06Q40/08

    摘要： A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.

    摘要翻译： 一种为授权系统提供实时风险缓解的系统。 系统从多个商家（或其各自的收件人）接收授权请求并处理这些请求。 然后将每个被处理的请求转发给其对应的发行者以进一步授权。 每个被处理的请求都包含一个授权消息。 授权消息可以包括风险分数，原因代码的数量和条件代码的数量。 使用风险分数，原因代码和条件代码可以使发行人在提供授权方面做出更明智的决策。

    SYSTEM AND METHOD FOR AUTHENTICATION USING PAYMENT PROTOCOL
    9.
    发明申请
    SYSTEM AND METHOD FOR AUTHENTICATION USING PAYMENT PROTOCOL 有权
    使用付款协议进行认证的系统和方法

    公开(公告)号：US20130304648A1

    公开(公告)日：2013-11-14

    申请号：US13889696

    申请日：2013-05-08

    申请人： Craig O'Connell ,  Kevin E. Wong ,  Nancy Hilgers ,  Mark Nelsen

    发明人： Craig O'Connell ,  Kevin E. Wong ,  Nancy Hilgers ,  Mark Nelsen

    IPC分类号： G06Q20/38

    CPC分类号： G06Q20/3821 ,  G06Q20/4014 ,  G06Q20/409 ,  G07C9/00103 ,  G07C9/00571 ,  G07C9/02

    摘要： Methods, systems, and devices are disclosed for using a payment processing network as an authorization engine to access secure physical areas, such as college dormitories, office buildings. A keycard with a cryptogram generator is presented by a user to an access device, and the access device or associated computer sends an access request message formatted like a payment authentication request message to an aggregator/acquirer and payment processing network. The payment processing network validates the cryptogram and returns an access response message, again formatted like a payment authorization response message, indicating that the keycard is authentic. The gate, door, turnstile, or other barrier is then temporarily unlocked to let the user through.

    摘要翻译： 公开了使用支付处理网络作为授权引擎来访问诸如大学宿舍，办公楼等安全的物理区域的方法，系统和设备。 具有密码生成器的密钥卡由用户呈现给接入设备，并且接入设备或相关联的计算机将格式化为支付认证请求消息的接入请求消息发送到聚合器/获取器和支付处理网络。 支付处理网络验证密码，并返回重新格式化为支付授权响应消息的访问响应消息，指示该密钥卡是真实的。 然后，门，门，转门或其他障碍物暂时解锁，让用户通过。