CA2723492A1 - System and method for the interoperability of different payment or transaction authorization platforms - Google Patents
System and method for the interoperability of different payment or transaction authorization platforms Download PDFInfo
- Publication number
- CA2723492A1 CA2723492A1 CA 2723492 CA2723492A CA2723492A1 CA 2723492 A1 CA2723492 A1 CA 2723492A1 CA 2723492 CA2723492 CA 2723492 CA 2723492 A CA2723492 A CA 2723492A CA 2723492 A1 CA2723492 A1 CA 2723492A1
- Authority
- CA
- Canada
- Prior art keywords
- information
- transaction
- payment account
- registrant
- authorization request
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Abandoned
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/383—Anonymous user system
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
A system, method and intermediary for effecting a payment account transaction at a point of sale on behalf of a registrant while avoiding disclosure of its payment account information at the point of sale. The system comprises a merchant device at the point of sale for generating a partial authorization request, an authorizing instrument for providing authentication information of an authorized representative and the intermediary, located remotely from the point of sale, for receiving the partial request and the authentication. The intermediary retrieves the registrant's payment account information using the authentication, combines it with the partial request to form an authorization request and forwards it along the transaction network for processing. The authentication information may arrive with a subset of transaction information. The authorizing instrument may be located at the point of sale. A requesting instrument may request the authorizing instrument to forward the authentication information.
Claims (27)
1. A system for effecting a payment account transaction initiated at a point of sale along a transaction network on behalf of a payment account registrant while avoiding disclosure of the registrant's payment account information at the point of sale, comprising:
a merchant device at the point of sale, for generating a partial authorization request;
an authorizing instrument;
an intermediary, in data communication with the merchant device, the authorizing instrument and the transaction network, for:
receiving the partial authorization request from the merchant device;
receiving authentication information of an authorized representative of the registrant from the authorizing instrument;
retrieving the registrant's payment account information using the authentication information;
combining the partial authorization request and the payment account information into an authorization request; and forwarding the authorization request along the transaction network for processing.
a merchant device at the point of sale, for generating a partial authorization request;
an authorizing instrument;
an intermediary, in data communication with the merchant device, the authorizing instrument and the transaction network, for:
receiving the partial authorization request from the merchant device;
receiving authentication information of an authorized representative of the registrant from the authorizing instrument;
retrieving the registrant's payment account information using the authentication information;
combining the partial authorization request and the payment account information into an authorization request; and forwarding the authorization request along the transaction network for processing.
2. A system according to claim 1 further comprising the authorizing instrument for providing authentication information.
3. A system according to claims 1 or 2, wherein the partial authorization request comprises transaction information selected from a group consisting of a merchant identifier, a transaction identifier, a transaction date, a transaction amount and any combination of any of these.
4. A system according to claim 3, the authorizing instrument for providing a subset of the transaction information with the authentication information to facilitate the intermediary combining the partial authorization request with the payment account information.
5. A system according to claim 3 or 4, wherein at least a subset of the transaction information is obtained by the merchant device from a cash register in data communication with the merchant device.
6. A system according to any one of claims 1 through 5, wherein the partial authorization request is generated by an input selection at the merchant device.
7. A system according to any one of claims 1 through 5, wherein the authorizing instrument is located remotely from the point of sale.
8. A system according to claim 1, wherein the authorizing instrument is in data communication with the intermediary for directly transmitting the authentication information.
9. A system according to claim 8, the authorizing instrument having an electronic communication capability for transmitting the authentication information.
10. A system according to any one of claims 1 through 9, the authorizing instrument for transmitting the authentication information to the intermediary in response to a request from a requesting instrument.
11. A system according to claim 1, wherein the authorizing instrument is a sensor for obtaining biometric data unique to the authorizing representative.
12. A system according to claim 11, wherein the sensor is in data communication with the merchant device for providing biometric data to the intermediary through the merchant device.
13. A system according to claim 12, wherein the biometric data is provided by the merchant device in a common data transmission with the partial authorization response.
14. A system according to any one of claims 1 through 13, wherein the authentication information comprises information selected from a group consisting of an account identifier, a user identifier, a login, a password, fingerprint biometric data, voiceprint biometric data, retinal biometric data, iris biometric data, DNA biometric data and any combination of any of these.
15. A system according to any one of claims 1 through 14, wherein the authentication information is specific to one authorized representative of the registrant.
16. A system according to any one of claims 1 through 15, wherein the payment account information comprises information selected from a group consisting of an account number, an account name, security code, personal information number (PIN), date of birth, home address, other personal information known only to a legitimate registrant and any combination of any of these.
17. A system according to any one of claims 1 through 16 wherein the merchant device is a merchant card terminal.
18. A method for effecting a payment account transaction at a point of sale along a transaction network on behalf of a payment account registrant while avoiding disclosure of the registrant's payment account information at the point of sale, comprising, at a location remote from the point of sale:
maintaining associations between authentication information and the registrant's payment account information;
receiving a partial authorization request comprising transaction information;
receiving authentication information of an authorized representative of the registrant;
retrieving the registrant's payment account information using the authentication information;
combining a partial authorization request comprising transaction information and the payment account information into an authorization request; and forwarding the authorization request along the transaction network for processing.
maintaining associations between authentication information and the registrant's payment account information;
receiving a partial authorization request comprising transaction information;
receiving authentication information of an authorized representative of the registrant;
retrieving the registrant's payment account information using the authentication information;
combining a partial authorization request comprising transaction information and the payment account information into an authorization request; and forwarding the authorization request along the transaction network for processing.
19. A method according to claim 18, wherein the action of receiving authentication information comprises receiving a subset of the transaction information.
20. A method according to claim 19, wherein the action of combining comprises matching the subset of transaction information received with the authentication information to the transaction information in the partial authorization request.
21. A method according to any one of claims 18 through 20, further comprising receiving an authorization response from the transaction network.
22. A method according to claim 21, further comprising forwarding the authorization response to a source of the partial authorization request.
23. An intermediary, in data communication with a merchant device at a point of sale and with a transaction network for effecting a payment account transaction along the transaction network on behalf of a payment account registrant while avoiding disclosure of the registrant's payment account information at the point of sale, the intermediary being located remotely from the point of sale and comprising:
an account database for maintaining associations between authentication information and the registrant's payment account information; and a transaction file handler for:
receiving, from the merchant device, a partial authorization request comprising transaction information;
receiving authentication information of an authorized representative of the registrant;
retrieving the registrant's payment account information from the account database using the authentication information;
combining the partial authorization request and the payment account information into an authorization request; and forwarding the authorization request along the transaction network for processing.
an account database for maintaining associations between authentication information and the registrant's payment account information; and a transaction file handler for:
receiving, from the merchant device, a partial authorization request comprising transaction information;
receiving authentication information of an authorized representative of the registrant;
retrieving the registrant's payment account information from the account database using the authentication information;
combining the partial authorization request and the payment account information into an authorization request; and forwarding the authorization request along the transaction network for processing.
24. An intermediary according to claim 23, wherein the account database maintains associations between authentication information and the registrant's payment account information.
25. An intermediary according to claim 23 or 24, wherein the intermediary further comprises a client handler for processing communications from an authorizing instrument providing the authentication information.
26. An intermediary according to any one of claims 23 through 25, the transaction file handler for receiving a subset of the transaction information with the authentication information to facilitate combining the partial authorization request with the payment account information.
27. A computer-readable medium in a system for effecting a payment account transaction initiated at a point of sale along a transaction network on behalf of a payment account registrant while avoiding disclosure of the registrant's payment account information at the point of sale, the medium having stored thereon, computer-readable and computer-executable instructions which, when executed by a processor, cause a processor to perform actions comprising:
maintaining associations between authentication information and the registrant's payment account information;
receiving a partial authorization request comprising transaction information;
receiving authentication information of an authorized representative of the registrant;
retrieving the registrant's payment account information using the authentication information;
combining a partial authorization request comprising transaction information and payment account information into an authorization request;
and forwarding the authorization request along the transaction network for processing.
maintaining associations between authentication information and the registrant's payment account information;
receiving a partial authorization request comprising transaction information;
receiving authentication information of an authorized representative of the registrant;
retrieving the registrant's payment account information using the authentication information;
combining a partial authorization request comprising transaction information and payment account information into an authorization request;
and forwarding the authorization request along the transaction network for processing.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CA 2723492 CA2723492A1 (en) | 2010-12-10 | 2010-12-10 | System and method for the interoperability of different payment or transaction authorization platforms |
| US13/315,991 US20120150671A1 (en) | 2010-12-10 | 2011-12-09 | System and Method for the Interoperability of Different Payment or Transaction Authorization Platforms |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CA 2723492 CA2723492A1 (en) | 2010-12-10 | 2010-12-10 | System and method for the interoperability of different payment or transaction authorization platforms |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CA2723492A1 true CA2723492A1 (en) | 2011-02-16 |
Family
ID=43603044
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA 2723492 Abandoned CA2723492A1 (en) | 2010-12-10 | 2010-12-10 | System and method for the interoperability of different payment or transaction authorization platforms |
Country Status (1)
| Country | Link |
|---|---|
| CA (1) | CA2723492A1 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2013082712A2 (en) * | 2011-12-09 | 2013-06-13 | Marcel Mercia | System and method for the interoperability of different payment or transaction authorization platforms |
-
2010
- 2010-12-10 CA CA 2723492 patent/CA2723492A1/en not_active Abandoned
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2013082712A2 (en) * | 2011-12-09 | 2013-06-13 | Marcel Mercia | System and method for the interoperability of different payment or transaction authorization platforms |
| WO2013082712A3 (en) * | 2011-12-09 | 2013-10-03 | Marcel Mercia | System and method for the interoperability of different payment or transaction authorization platforms |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| EEER | Examination request | ||
| FZDE | Dead |
Effective date: 20140409 |