公开(公告)号：WO2015134385A2

公开(公告)日：2015-09-11

申请号：PCT/US2015/018307

申请日：2015-03-02

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： GUINEY, Christopher, A. ,  CARPENTER, Travis, M.

CPC classification number: G06Q20/4014 ,  G06Q20/347 ,  G06Q20/3821 ,  G06Q20/4018

Abstract: Methods and systems for receiving an authorization request associated with a transaction, the authorization request including a payment account number and a card verification value; determining the authorization request is to be processed as having a dynamic card verification value; automatically bypassing, in response to the determination that the authorization request is to be processed as having a dynamic card verification value, at least one card verification process to be used in a processing of the authorization request; and sending the authorization request to a card verifier to verify the card verification value matches a dynamic card verification value of record. Some methods and systems include transmitting the authorization request to a payment network for authorization of the transaction; receiving an authorization response in reply to the transmitted authorization request; and providing an indication of the authorization response to a merchant associated with the transaction.

Abstract translation: 用于接收与交易相关联的授权请求的方法和系统，所述授权请求包括支付帐号和卡验证值; 确定授权请求将被处理为具有动态卡验证值; 响应于将所述授权请求处理为具有动态卡验证值的确定，自动绕过要在所述授权请求的处理中使用的至少一个卡验证过程; 并将授权请求发送到卡验证器，以验证卡验证值与记录的动态卡验证值相匹配。 一些方法和系统包括将授权请求发送到支付网络以授权交易; 接收授权响应以回复所发送的授权请求; 以及向与所述交易相关联的商家提供所述授权响应的指示。

公开(公告)号：WO2015085137A1

公开(公告)日：2015-06-11

申请号：PCT/US2014/068726

申请日：2014-12-05

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： GUINEY, Christopher, A.

IPC: G06Q20/38

CPC classification number: G06Q20/385 ,  G06Q20/40

Abstract: Methods and systems for receiving an authorization request associated with a transaction, the authorization request including an account code; receiving a user code to associate with the account code; associating the account code and the user code together to form a payment account code; determining an account identifier corresponding to the payment account code; determining whether to map the payment account code to a primary account number (PAN); mapping, in response to the determination that the payment account code is to be mapped to the PAN, the payment account code to the PAN to ascertain a PAN corresponding to the payment account code; and sending the authorization request including the PAN to be authorized.

Abstract translation: 用于接收与交易相关联的授权请求的方法和系统，所述授权请求包括帐号; 接收用户代码以与帐户代码相关联; 将帐户代码和用户代码结合在一起以形成支付帐户代码; 确定与所述支付帐户代码相对应的帐户标识符; 确定是否将支付帐户代码映射到主帐号（PAN）; 映射，响应于确定支付帐户代码被映射到PAN，支付帐户代码到PAN以确定对应于支付帐户代码的PAN; 并发送包括要授权的PAN的授权请求。