公开(公告)号：WO2016092431A1

公开(公告)日：2016-06-16

申请号：PCT/IB2015/059324

申请日：2015-12-03

Applicant: VOUCHER ACTIVATION IP SERVICES PTE. LTD

Inventor： COOPER, Philip Graham ,  SCHMULIAN, Jason Marc ,  HUNT, Jonathan Paul ,  RAGHUNATHAN, Vijay ,  MONEY, Dean Andrew

IPC: G06Q20/28

CPC classification number: G06Q20/28

Abstract: A voucher processor (122) receives (204) a plurality of voucher identifiers from a voucher provider (132) and, for each voucher identifier, instructs (208) the issuing of payment credentials of a payment instrument from an issuer processor (123). The issuer processor (123) or the voucher processor (122) links (210) each voucher identifier to payment credentials of a corresponding payment instrument. The voucher processor (122) or issuer processor (123) submits the plurality of voucher identifiers to the voucher provider (132) along with the linked payment credentials for each voucher identifier, such that, subsequent to a voucher being activated (408), the voucher provider is capable of initiating (424) a transfer of funds associated with the voucher in favour of the voucher provider (132) by transmitting the payment credentials linked to the voucher identifier for receipt by the issuer processor (123). The issuer processor (123) may receive the payment credentials via an acquiring bank (138) and a payment processor (124) in an open-loop manner.

Abstract translation: 凭证处理器（122）从凭单提供者（132）接收（204）多个凭证标识符，并且对于每个凭单标识符，指示（208）从发行者处理器（123）发出付款凭证的支付凭证。 发行者处理器（123）或凭单处理器（122）将每个凭单标识符链接（210）到相应支付工具的支付凭证。 凭单处理器（122）或发行者处理器（123）将多个凭单标识符连同每个凭单标识符的链接的支付凭证一起提交给凭单提供商（132），使得在凭单被激活（408）之后， 代理商提供商能够通过发送链接到凭证标识符的支付凭证来发起（424）与凭单相关联的资金，以有利于凭单提供商（132），以供发行者处理器（123）接收。 发行者处理器（123）可以经由采集银行（138）和支付处理器（124）以开环方式接收支付凭证。