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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
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.)
Ceased
Application number
PCT/CA2012/001203
Other languages
French (fr)
Other versions
WO2013082712A2 (en
Inventor
Marcel Mercia
Paul Mercia
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
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 Individual filed Critical Individual
Publication of WO2013082712A2 publication Critical patent/WO2013082712A2/en
Publication of WO2013082712A3 publication Critical patent/WO2013082712A3/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 Ceased WO2013082712A2 (en)

Applications Claiming Priority (2)

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

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 Ceased 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

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