BR112017003415A2 - method and system for processing a real-time refund on transaction authorization - Google Patents

method and system for processing a real-time refund on transaction authorization

Info

Publication number
BR112017003415A2
BR112017003415A2 BR112017003415A BR112017003415A BR112017003415A2 BR 112017003415 A2 BR112017003415 A2 BR 112017003415A2 BR 112017003415 A BR112017003415 A BR 112017003415A BR 112017003415 A BR112017003415 A BR 112017003415A BR 112017003415 A2 BR112017003415 A2 BR 112017003415A2
Authority
BR
Brazil
Prior art keywords
processing
refund
real
award
transaction authorization
Prior art date
Application number
BR112017003415A
Other languages
Portuguese (pt)
Inventor
A Guiney Christopher
James E Pastrana Jensen
P Clark Kyle
Original Assignee
Mastercard International Inc
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 US14/465,063 external-priority patent/US20150112781A1/en
Application filed by Mastercard International Inc filed Critical Mastercard International Inc
Publication of BR112017003415A2 publication Critical patent/BR112017003415A2/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
    • G06Q20/38—Payment protocols; Details thereof
    • 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
    • G06Q20/387—Payment using discounts or coupons
    • 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
    • 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
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Marketing (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

são divulgados sistemas e métodos para processar transações de pagamento envolvendo contas de premiação. um método exemplar inclui receber uma solicitação de autorização para uma transação de pagamento envolvendo a conta de premiação. a solicitação de autorização inclui pelo menos o montante da transação. o método também inclui determinar, baseado na preferência de premiação, se a transação de pagamento é qualificada para um reembolso de premiação e transmitir uma solicitação para o reembolso de premiação quando a transação de pagamento for qualificada.systems and methods for processing payment transactions involving reward accounts are disclosed. An exemplary method includes receiving an authorization request for a payment transaction involving the reward account. The authorization request includes at least the amount of the transaction. The method also includes determining, based on award preference, whether the payment transaction qualifies for an award refund and transmitting a request for the award refund when the payment transaction qualifies.

BR112017003415A 2014-08-21 2015-08-19 method and system for processing a real-time refund on transaction authorization BR112017003415A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US14/465,063 US20150112781A1 (en) 2013-10-21 2014-08-21 Method and System for Processing of a Real-Time Rebate at Transaction Authorization
PCT/US2015/045887 WO2016028889A1 (en) 2014-08-21 2015-08-19 Method and system for processing of a real-time rebate at transaction authorization

Publications (1)

Publication Number Publication Date
BR112017003415A2 true BR112017003415A2 (en) 2017-11-28

Family

ID=55351226

Family Applications (1)

Application Number Title Priority Date Filing Date
BR112017003415A BR112017003415A2 (en) 2014-08-21 2015-08-19 method and system for processing a real-time refund on transaction authorization

Country Status (8)

Country Link
EP (1) EP3192034A4 (en)
JP (1) JP2017528822A (en)
CN (1) CN107077677A (en)
AU (1) AU2015305524A1 (en)
BR (1) BR112017003415A2 (en)
CA (1) CA2958551A1 (en)
RU (1) RU2017109095A (en)
WO (1) WO2016028889A1 (en)

Families Citing this family (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20170293931A1 (en) * 2016-04-06 2017-10-12 Mastercard International Incorporated Method and system for real-time promotions
US10943251B2 (en) * 2016-04-06 2021-03-09 Mastercard International Incorporated Method and system for real-time rebate application
CN107862541A (en) * 2017-09-27 2018-03-30 天脉聚源（北京）科技有限公司 One kind reward feedback method and device
US10713677B2 (en) * 2017-12-13 2020-07-14 Mastercard Asia/Pacific Pte. Ltd. Method and system for social savings platform via blockchain
CN108280683B (en) * 2018-01-18 2022-04-22 百度在线网络技术（北京）有限公司 Coupon issuing method and device based on advertisement putting platform
SG10201801787SA (en) * 2018-03-05 2019-10-30 Citibank Na Electronic payment systems and methods
US11301856B2 (en) * 2018-05-24 2022-04-12 Mastercard International Incorporated Method and system for transaction authorization via controlled blockchain
CN110245992A (en) * 2019-06-20 2019-09-17 深圳前海微众银行股份有限公司 A kind of method for processing resource and device
CN111681053B (en) * 2020-06-09 2023-09-22 青岛有容信息科技有限公司 Pay-and-pay chain construction method and device, computer equipment and readable storage medium

Family Cites Families (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2000062231A1 (en) * 1999-04-13 2000-10-19 Shopexpert.Com, Inc. Method and apparatus for tracking consumers
GB2373893A (en) * 1999-12-09 2002-10-02 Carlson Marketing Group Inc Combined in-store and on-line interactive reward redemption system and method
US8833645B2 (en) * 2005-06-24 2014-09-16 Visa U.S.A. Inc. System, apparatus and methods for automatically calculating discounts for purchases from merchants made using a reservation system
US9613361B2 (en) * 2006-07-18 2017-04-04 American Express Travel Related Services Company, Inc. System and method for E-mail based rewards
AU2007308944A1 (en) * 2006-10-24 2008-05-02 Mastercard International, Inc. Method and apparatus for reward messaging, discounting and redemption at the point of interaction
US8682791B2 (en) * 2006-10-31 2014-03-25 Discover Financial Services Redemption of credit card rewards at a point of sale
US8676642B1 (en) * 2007-07-05 2014-03-18 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to financial account holders
CN101216920A (en) * 2008-01-11 2008-07-09 侯万春 A system and method for the bankcard users to get instant special offers while making bankcard consumption
CA2736215A1 (en) * 2008-09-04 2010-03-11 Mastercard International Incorporated System and method for performing a real time redemption transaction by leveraging a payment network
CA2738489A1 (en) * 2008-09-25 2010-04-01 Visa International Service Association System and method for benefit notification
CN101930573A (en) * 2009-06-26 2010-12-29 海南新生信息技术有限公司 Remote marketing rule management system
US20110093387A1 (en) * 2009-10-16 2011-04-21 Zack Fuerstenberg System and method for non-credit card billers to accept credit card payments
AU2012208950A1 (en) * 2011-01-17 2013-05-09 Independent Transaction Solutions Pty Ltd System and method of effecting a merchant funded reward
US20120197801A1 (en) * 2011-01-27 2012-08-02 Day Jimenez Merchant payment system and method for mobile phones
US8880431B2 (en) * 2012-03-16 2014-11-04 Visa International Service Association Systems and methods to generate a receipt for a transaction
US8868444B2 (en) * 2012-09-16 2014-10-21 American Express Travel Related Services Company, Inc. System and method for rewarding in channel accomplishments
US20140156480A1 (en) * 2012-11-30 2014-06-05 Bank Of America Corporation Personal financial management payment allocation

Also Published As

Publication number Publication date
RU2017109095A3 (en) 2018-09-21
RU2017109095A (en) 2018-09-21
WO2016028889A1 (en) 2016-02-25
JP2017528822A (en) 2017-09-28
EP3192034A1 (en) 2017-07-19
CA2958551A1 (en) 2016-02-25
EP3192034A4 (en) 2018-01-10
CN107077677A (en) 2017-08-18
AU2015305524A1 (en) 2017-03-16

Similar Documents

Publication Publication Date Title
BR112017003415A2 (en) method and system for processing a real-time refund on transaction authorization
BR112015026925A2 (en) method and systems for providing a customer-controlled account lockout feature
SG11202011649YA (en) System, method and program for providing financial transaction by virtual code, virtual code generator and virtual code verification device
MX2015006265A (en) Systems and methods for processing electronic payments using a global payment directory.
PH12016501516A1 (en) Transaction system and method
EP3669317A4 (en) Computer memory management during real-time fraudulent transaction analysis
WO2016168298A3 (en) Open ticket payment handling with offline mode
WO2016204927A8 (en) Loyalty rewards in offline payment system
BR112016024211A2 (en) systems and methods for providing up-to-date transaction information
BR112020011703A8 (en) PROVIDING NETWORK ACCESS USING BLOCKCHAIN PAYMENTS
MX2017010742A (en) Facilitating cash payment for transit mobile applications.
WO2015017062A3 (en) Accelerated payment system for construction projects
IN2015CH03249A (en)
SG10201610030UA (en) A system and method for utilizing biometric data in a payment transaction
MX2017002595A (en) System and method for electronic payments.
EP3528192A4 (en) Transaction method, payment device, verification device and server
WO2016007445A8 (en) Hands-free transactions
GB2545841A (en) Systems and methods for providing payment hotspots
BR112018073871A2 (en) dispenser and method.
BR112018007137A2 (en) adaptive message sending
UY36409A (en) METHOD AND SYSTEM FOR HYBRID PAYMENT CARD ENABLED FOR TRANSPORTATION
BR112018006525A2 (en) method and system for identifying credentials stored on a computing device
GB2521790A (en) Methods, system and associated computer executable code for facilitating credit transactions
SG10201908025RA (en) Methods and systems for enhancing online payment transaction experience
BR112017010226A2 (en) e-commerce based payment system with e-invoice authentication

Legal Events

Date Code Title Description
B08F Application dismissed because of non-payment of annual fees [chapter 8.6 patent gazette]

Free format text: REFERENTE A 4A ANUIDADE.

B08K Patent lapsed as no evidence of payment of the annual fee has been furnished to inpi [chapter 8.11 patent gazette]

Free format text: EM VIRTUDE DO ARQUIVAMENTO PUBLICADO NA RPI 2529 DE 25-06-2019 E CONSIDERANDO AUSENCIA DE MANIFESTACAO DENTRO DOS PRAZOS LEGAIS, INFORMO QUE CABE SER MANTIDO O ARQUIVAMENTO DO PEDIDO DE PATENTE, CONFORME O DISPOSTO NO ARTIGO 12, DA RESOLUCAO 113/2013.