公开(公告)号：US20150254672A1

公开(公告)日：2015-09-10

申请号：US14718989

申请日：2015-05-21

申请人： Visa Europe Limited

发明人： Christian HUESCH ,  Georges YARYURA ,  Michael HOFFMANN ,  Katharina FUHRMANN

IPC分类号： G06Q20/40

摘要： Systems, methods and computer programs for use in processing payment authorization requests for payment transactions to be conducted via a data communications network. At a trusted intermediary system, data indicative of the user having been authenticated by a first authentication process conducted between the user and a data communication interface associated with a bank data processing system is received via a data communication network. In response to the receipt of the authentication-indicative data, a user account corresponding to one or more transactional accounts held by a user at the bank data processing system is activated. Payment data associated with the one or more transactional accounts is stored in a data store in association with the user account. Following a subsequent authentication of the user by a second authentication process conducted between the user and the trusted intermediary system, the stored payment data is retrieved from the data store for use in processing at least one payment authorization request involving the user.

摘要翻译： 用于处理通过数据通信网络进行支付交易的支付授权请求的系统，方法和计算机程序。 在可信赖的中间系统中，经由数据通信网络接收表示用户已经通过在用户与与银行数据处理系统相关联的数据通信接口之间进行的第一认证处理认证的数据。 响应于接收到认证指示数据，激活与银行数据处理系统上的用户持有的一个或多个交易账户对应的用户账户。 与一个或多个事务帐户相关联的付款数据与用户帐户相关联地存储在数据存储中。 在通过在用户和可信中介系统之间进行的第二认证过程对用户的后续认证之后，从数据存储中检索所存储的支付数据，以用于处理涉及用户的至少一个支付授权请求。