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公开(公告)号：WO2017213955A1
公开(公告)日：2017-12-14
申请号：PCT/US2017/035435
申请日：2017-06-01
CPC分类号： G06Q20/401 , G06Q20/02 , G06Q20/0855 , G06Q20/34 , G06Q20/4037
摘要： A computer implemented method of processing an authorization request for a transaction in a first territory associated with a payment card issued in a second territory is disclosed. The method comprises receiving, at a server of a payment network, a transaction authorization request, the transaction authorization request comprising an indication of a payment card identifier of a payment card associated with the transaction; determining, using the payment card identifier, a local nominated issuer, the local nominated issuer being an issuing authority within the first territory authorized to process authorization requests associated with the payment card; routing the transaction authorization request to a server of the local nominated issuer; and receiving a transaction authorization response from the server of the local nominated issuer,
摘要翻译： 公开了一种计算机实现的方法，该方法处理与在第二领土发行的支付卡相关联的第一领土中的交易的授权请求。 该方法包括在支付网络的服务器处接收交易授权请求，交易授权请求包括与交易相关联的支付卡的支付卡标识符的指示; 使用所述支付卡标识符确定本地指定发行者，所述本地指定发行者是被授权处理与所述支付卡相关联的授权请求的第一地域内的发行机构; 将交易授权请求路由到本地指定发行人的服务器; 并从本地指定发行人的服务器接收交易授权响应，
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公开(公告)号：WO2017127237A1
公开(公告)日：2017-07-27
申请号：PCT/US2017/012434
申请日：2017-01-06
IPC分类号： G06Q20/40 , B42D25/305 , B42D25/309 , G06K19/06 , G06K19/07 , G06Q20/34 , G06T7/00
CPC分类号： G06Q20/4014 , G06Q20/382 , G06Q20/3829 , G06Q20/409 , G06Q2220/00 , G07F7/0813
摘要： Described is a payment vehicle for use in initiating a transaction. The payment vehicle includes a body and an image applied to the body. The image includes encrypted data that is readable by an electronic reader to ascertain account details of a payment vehicle user, thereby to initiate the transaction. The image is also visually comparable to the user, or to information produced by the user, to confirm the user's identity.
摘要翻译： 描述了用于启动交易的支付工具。 付款车辆包括身体和应用于身体的图像。 该图像包括电子阅读器可读取的加密数据，以确定支付交通工具用户的账户细节，从而启动交易。 该图像在视觉上也与用户或用户制作的信息相媲美，以确认用户的身份。
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公开(公告)号：WO2022093442A1
公开(公告)日：2022-05-05
申请号：PCT/US2021/051408
申请日：2021-09-22
摘要： Systems and methods are provided for executing logic to provide data aggregates. One example method includes receiving, at a computing device of a service provider, from a relying party, a request for a data aggregate for a user based on a logic, where the data aggregate is based on first data for the user, and identifying a control for the first data. The method farther includes, upon satisfying the identified control, retrieving, by the computing device, the first data from a first source party, generating a neutral zone, and executing, in the neutral zone, the logic on the retrieved first data. I'he method then includes providing an output from the executed logic as the data aggregate to the relying party, but not the first data, whereby the data aggregate is provided in lieu of the first data. And, the retrieved first data is deleted by eliminating the neutral zone.
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公开(公告)号：WO2018212901A1
公开(公告)日：2018-11-22
申请号：PCT/US2018/028495
申请日：2018-04-20
摘要： An apparatus for processing electronic payment transactions is disclosed. The apparatus comprises: a computer processor and a data storage device, the data storage device having an incoming transaction initiation module, and an outgoing transaction initiation module comprising non-transitory instructions operative by the processor to: receive an order indication at a payment intermediary server, the order indication indicating an order by a customer for goods and / or services at a merchant, the order having an order value amount; initiate a transaction from an account associated with the customer to an intermediary account for the order value amount; initiate a transaction from the intermediary account to an account associated with the merchant for a first portion of the order value amount, whereby a second portion of the order value amount remains in the intermediary account; receive an order feedback indication; and initiate a further transaction or further transactions in response to the order feedback indication to transfer the second portion of the order value amount to the account associated with the merchant and / or the account associated with the customer.
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公开(公告)号：WO2019139683A1
公开(公告)日：2019-07-18
申请号：PCT/US2018/062706
申请日：2018-11-28
发明人： BORKAR, Vijaykumar, Vamanrao , GUPTA, Shweta , AGARWALLA, Sachin, Kumar , PANWAR, Ajay, Bahadur Singh , GURUNATHAN, Arunmurthy
摘要： Data processing systems and methods for authenticating users are disclosed. In one embodiment a data processing system for authenticating a user of a device comprises: a computer processor and a data storage device, the data storage device storing instructions operative by the processor to: determine authentication capabilities of the device, the authentication capabilities of the device comprising one or more authentication methods; determine a set of authentication options using the authentication capabilities of the device; send an indication of the set of authentication options to the device; receive an indication of a user selected authentication method from the device; generate an authentication data request corresponding to the user selected authentication method; send the authentication data request to the device; receive an authentication response from the device; and authenticate the user using the authentication response.
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公开(公告)号：WO2018097904A1
公开(公告)日：2018-05-31
申请号：PCT/US2017/055724
申请日：2017-10-09
IPC分类号： G06Q20/40
摘要： Disclosed in a computer-implemented method for allocating a plurality of credit limits for a payer account associated with a single payment card. The method includes receiving, at a server, a request message to allocate at least a second one of the plurality of credit limits for the payer account, each of the plurality of credit limits being a maximum payment amount that is authorised for payment to a category of transaction; and allocating the second one of the plurality of credit limits to the single payment card.
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