公开(公告)号：US11669816B2

公开(公告)日：2023-06-06

申请号：US16687128

申请日：2019-11-18

申请人： Visa Europe Limited

发明人： Peter Winfield-Chislett ,  Westley Stringfellow ,  Itamar Lesuisse ,  Veronica Casabonne ,  Raymond Tamblyn

IPC分类号： G06Q30/0601 ,  H04L67/63 ,  H04L9/32 ,  G06Q20/12 ,  G06Q20/02 ,  G06Q20/40 ,  G06Q20/22 ,  G06F21/31

CPC分类号： G06Q20/12 ,  G06F21/31 ,  G06Q20/02 ,  G06Q20/227 ,  G06Q20/40 ,  G06Q30/0601 ,  H04L9/321 ,  H04L67/63

摘要： Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network; the payment authorization requests are conducted as a result of orders by financial account holders via a plurality of different online merchant systems, and the financial account holders hold accounts with a plurality of different issuing banks. These embodiments of the invention provide a means of identifying an issuing bank from a plurality of issuing banks as one which is to be utilized in a given transaction and facilitate a user specifying, in real time in relation to the given transaction, a particular bank account that is to be used to deduct funds for that transaction.

公开(公告)号：US20230306394A1

公开(公告)日：2023-09-28

申请号：US18308347

申请日：2023-04-27

申请人： Visa Europe Limited

发明人： Peter Winfield-Chislett ,  Westley Stringfellow ,  Itamar Lesuisse ,  Veronica Casabonne ,  Raymond Tamblyn

IPC分类号： G06Q20/12 ,  G06Q30/0601 ,  G06Q20/02 ,  G06Q20/40 ,  G06Q20/22 ,  G06F21/31 ,  H04L67/63 ,  H04L9/32

CPC分类号： G06Q20/12 ,  G06F21/31 ,  G06Q20/02 ,  G06Q20/227 ,  G06Q20/40 ,  G06Q30/0601 ,  H04L9/321 ,  H04L67/63

摘要： Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network; the payment authorization requests are conducted as a result of orders by financial account holders via a plurality of different online merchant systems, and the financial account holders hold accounts with a plurality of different issuing banks. These embodiments of the invention provide a means of identifying an issuing bank from a plurality of issuing banks as one which is to be utilized in a given transaction and facilitate a user specifying, in real time in relation to the given transaction, a particular bank account that is to be used to deduct funds for that transaction.

公开(公告)号：US20200226564A1

公开(公告)日：2020-07-16

申请号：US16687128

申请日：2019-11-18

申请人： Visa Europe Limited

发明人： Peter Winfield-Chislett ,  Westley Stringfellow ,  Itamar Lesuisse ,  Veronica Casabonne ,  Raymond Tamblyn

IPC分类号： G06Q20/12 ,  G06Q30/06 ,  G06Q20/02 ,  G06Q20/40 ,  G06Q20/22 ,  G06F21/31

摘要： Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network; the payment authorization requests are conducted as a result of orders by financial account holders via a plurality of different online merchant systems, and the financial account holders hold accounts with a plurality of different issuing banks. These embodiments of the invention provide a means of identifying an issuing bank from a plurality of issuing banks as one which is to be utilized in a given transaction and facilitate a user specifying, in real time in relation to the given transaction, a particular bank account that is to be used to deduct funds for that transaction.