WO2013082712A3 - 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 PDF

Info

Publication number
WO2013082712A3
WO2013082712A3 PCT/CA2012/001203 CA2012001203W WO2013082712A3 WO 2013082712 A3 WO2013082712 A3 WO 2013082712A3 CA 2012001203 W CA2012001203 W CA 2012001203W WO 2013082712 A3 WO2013082712 A3 WO 2013082712A3
Authority
WO
WIPO (PCT)
Prior art keywords
sale
point
request
information
authentication
Prior art date
Application number
PCT/CA2012/001203
Other languages
French (fr)
Other versions
WO2013082712A2 (en
Inventor
Marcel Mercia
Paul Mercia
Original Assignee
Marcel Mercia
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Priority claimed from US13/315,991 external-priority patent/US20120150671A1/en
Application filed by Marcel Mercia filed Critical Marcel Mercia
Publication of WO2013082712A2 publication Critical patent/WO2013082712A2/en
Publication of WO2013082712A3 publication Critical patent/WO2013082712A3/en

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]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (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.
PCT/CA2012/001203 2011-12-09 2012-12-05 System and method for the interoperability of different payment or transaction authorization platforms WO2013082712A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US13/315,991 2011-12-09
US13/315,991 US20120150671A1 (en) 2010-12-10 2011-12-09 System and Method for the Interoperability of Different Payment or Transaction Authorization Platforms

Publications (2)

Publication Number Publication Date
WO2013082712A2 WO2013082712A2 (en) 2013-06-13
WO2013082712A3 true WO2013082712A3 (en) 2013-10-03

Family

ID=48575906

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CA2012/001203 WO2013082712A2 (en) 2011-12-09 2012-12-05 System and method for the interoperability of different payment or transaction authorization platforms

Country Status (1)

Country Link
WO (1) WO2013082712A2 (en)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7349871B2 (en) * 2002-08-08 2008-03-25 Fujitsu Limited Methods for purchasing of goods and services
US7844551B1 (en) * 2003-10-02 2010-11-30 Patent Investments of Texas, LLC Secure, anonymous authentication for electronic purchasing with dynamic determination of payment pricing and terms and cross vendor transaction resolution
CA2723492A1 (en) * 2010-12-10 2011-02-16 1356382 Alberta Ltd. System and method for the interoperability of different payment or transaction authorization platforms

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7349871B2 (en) * 2002-08-08 2008-03-25 Fujitsu Limited Methods for purchasing of goods and services
US7844551B1 (en) * 2003-10-02 2010-11-30 Patent Investments of Texas, LLC Secure, anonymous authentication for electronic purchasing with dynamic determination of payment pricing and terms and cross vendor transaction resolution
CA2723492A1 (en) * 2010-12-10 2011-02-16 1356382 Alberta Ltd. System and method for the interoperability of different payment or transaction authorization platforms

Also Published As

Publication number Publication date
WO2013082712A2 (en) 2013-06-13

Similar Documents

Publication Publication Date Title
WO2008092010A3 (en) Payer direct hub
EP2044721A4 (en) Method and system for providing biometric authentication at a point-of-sale via a mobile device
WO2012085675A3 (en) System, method and apparatus for mobile payments enablement and order fulfillment
WO2011130290A3 (en) Authentication process using search technology
GB2490466A (en) Transferring funds using mobile devices
WO2012112882A3 (en) Facilitating online to offline commerce
WO2012027585A3 (en) Authorization of cash delivery
WO2010002578A3 (en) Consumer spending threshold evaluation
HK1160574A2 (en) Secure electronic payment system and process
CL2015000723A1 (en) System and method to provide dispute resolution for electronic payment transactions
WO2009002980A3 (en) Cardless challenge systems and methods
WO2010117250A3 (en) Internet shopping service providing method using internet mediation site and system thereof
WO2012148773A3 (en) Online payment method and device
WO2014132194A3 (en) Methods and systems for providing payment credentials
WO2011109652A3 (en) Portable account number for consumer payment account
MX2018012407A (en) Systems and methods for reducing fraud risk for a primary transaction account.
WO2007120215A3 (en) Secure electronic commerce using mutating identifiers
WO2012082795A9 (en) Systems and methods for conducting contactless payments using a mobile and a magstripe payment card
MX363898B (en) Systems and methods for processing electronic payments using a global payment directory.
WO2012149062A3 (en) Methods and systems for offer and dynamic gift verification and redemption
WO2007148234A3 (en) System and method for authenticating a customer's identity and completing a secure credit card transaction without the use of a credit card number
WO2014013434A3 (en) A method and a system for facilitating credit based transactions
WO2011019751A3 (en) Track data mapping system for processing of payment transaction data
MY194939A (en) Method and system for making a secure payment transaction
EP4307608A3 (en) Systems and methods for use in authenticating consumers in connection with payment account transactions

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 12856396

Country of ref document: EP

Kind code of ref document: A2

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205N DATED 220914)

122 Ep: pct application non-entry in european phase

Ref document number: 12856396

Country of ref document: EP

Kind code of ref document: A2