公开(公告)号：US12184653B2

公开(公告)日：2024-12-31

申请号：US16450896

申请日：2019-06-24

Applicant: CHINA UNIONPAY CO., LTD.

Inventor： Lin Chen ,  Jianming Kang ,  Zhijun Lu ,  Yanming Yang ,  Jinzhi Hua ,  Xu Wang ,  Sen Yang

IPC: G06Q20/02 ,  G06Q20/40 ,  G06Q40/12 ,  H04L9/40

Abstract: The invention provides an entrusted-authorization system and an entrusted-authorization method. The entrusted-authorization system comprises an accounting system, a switch module and an entrusted-authorization module, wherein the entrusted-authorization module stores entrusted-authorization parameters determined by the accounting system, the switch module is connected with the accounting system and the entrusted-authorization module for transmitting transaction request messages from the client terminal to the entrusted-authorization module for processing in case that the accounting system is unavailable, wherein the entrusted-authorization module verifies the transaction request messages according to the entrusted-authorization parameters; otherwise, the messages are sent to the accounting system for processing. The transaction request messages comprise financial account information, financial institution information, transaction-initiation institution information and transaction amount. With the entrusted-authorization system and entrusted-authorization method of the invention, a normal processing of transaction request can be ensured when the accounting system is unavailable.