BR112017025836A2 - Método e sistema para o pagamento de pós- autorização de transações usando pontos de fidelidade - Google Patents

Método e sistema para o pagamento de pós- autorização de transações usando pontos de fidelidade

Info

Publication number
BR112017025836A2
BR112017025836A2 BR112017025836-6A BR112017025836A BR112017025836A2 BR 112017025836 A2 BR112017025836 A2 BR 112017025836A2 BR 112017025836 A BR112017025836 A BR 112017025836A BR 112017025836 A2 BR112017025836 A2 BR 112017025836A2
Authority
BR
Brazil
Prior art keywords
transaction
authorization
account
identifying
identifier
Prior art date
Application number
BR112017025836-6A
Other languages
English (en)
Inventor
J. Good William
P. Clark Kyle
Original Assignee
Mastercard International Incorporated
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
Application filed by Mastercard International Incorporated filed Critical Mastercard International Incorporated
Publication of BR112017025836A2 publication Critical patent/BR112017025836A2/pt

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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G06Q30/0233—Method of redeeming a frequent usage reward
    • 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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • 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
    • G06Q20/14—Payment architectures specially adapted for billing 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • 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
    • G06Q20/4014—Identity check for transactions
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (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)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

a presente invenção refere-se a um método para confirmar o apagamento de pós-autorização de um pagamento de transação com a utilização de pontos de recompensa que inclui: o armazenamento de perfis de conta, incluindo dados relacionados a contas de recompensa, cada um incluindo um identificador de conta e um valor de ponto; o recebimento de uma mensagem de transação associada a uma transação de pagamento, a mensagem incluindo um identificador de conta específico e um valor de transação; a identificação de um perfil de conta específico que inclui o identificador de conta específico; o cálculo de um custo de ponto com base no valor da transação; a identificação de uma chave de referência de autorização associada à transação de pagamento e ao perfil específico da conta; a identificação de um identificador exclusivo associado à chave de referência de autorização; o armazenamento de um registro de autorização, incluindo uma chave de referência de autorização e um identificador exclusivo; a geração de uma mensagem de solicitação, incluindo o identificador exclusivo identificado, um dos seguintes: o custo do ponto e o valor da transação; e a transmissão da mensagem de solicitação para um consumidor associado ao perfil de conta específico.
BR112017025836-6A 2015-06-23 2016-05-18 Método e sistema para o pagamento de pós- autorização de transações usando pontos de fidelidade BR112017025836A2 (pt)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US14/747,445 US10528968B2 (en) 2015-06-23 2015-06-23 Method and system for post authorization payment of transactions using loyalty points
US14/747,445 2015-06-23
PCT/US2016/033036 WO2016209431A1 (en) 2015-06-23 2016-05-18 Method and system for post authorization payment of transactions using loyalty points

Publications (1)

Publication Number Publication Date
BR112017025836A2 true BR112017025836A2 (pt) 2018-08-14

Family

ID=57585981

Family Applications (1)

Application Number Title Priority Date Filing Date
BR112017025836-6A BR112017025836A2 (pt) 2015-06-23 2016-05-18 Método e sistema para o pagamento de pós- autorização de transações usando pontos de fidelidade

Country Status (7)

Country Link
US (2) US10528968B2 (pt)
EP (1) EP3314557A4 (pt)
CN (1) CN107710256A (pt)
BR (1) BR112017025836A2 (pt)
CA (1) CA2988910C (pt)
RU (1) RU2669532C1 (pt)
WO (1) WO2016209431A1 (pt)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20180165704A1 (en) * 2016-09-07 2018-06-14 Dynamics Inc. System, methods, and devices for real-time rewards accumulation and redemption
JP6817132B2 (ja) * 2017-04-11 2021-01-20 株式会社野村総合研究所 ポイント運用システムおよびポイント運用プログラム
SG10201801787SA (en) * 2018-03-05 2019-10-30 Citibank Na Electronic payment systems and methods
CN109050271B (zh) * 2018-06-20 2021-11-16 于淼 充电请求处理方法、服务器及充电请求处理系统
CN111539702B (zh) * 2020-04-20 2023-09-01 车主邦（北京）科技有限公司 支付记录的处理方法
CN111754236B (zh) * 2020-06-24 2023-08-22 中国银行股份有限公司 清算交易数据处理方法及装置

Family Cites Families (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100403426B1 (en) * 2002-11-28 2003-10-30 Jong Do Park Toll-free ticket service system
US20160210652A9 (en) * 2004-03-12 2016-07-21 American Express Travel Related Services Company, Inc. Rebate transaction instrument system and method
RU2343542C2 (ru) 2006-03-30 2009-01-10 Владислав Германович Федосеев Система и способ получения, хранения и обработки данных программы лояльности
US8682791B2 (en) * 2006-10-31 2014-03-25 Discover Financial Services Redemption of credit card rewards at a point of sale
MX2011002436A (es) * 2008-09-04 2011-05-02 Mastercard International Inc Sistema y metodo para realizar una transaccion de reembolso en tiempo real por medio del apalancamiento de una red de pago.
US20100057554A1 (en) 2008-09-04 2010-03-04 Mastercard International Incorporated Method and System for Enabling Promotion of Product(s) and/or Service(s)
US9824355B2 (en) * 2008-09-22 2017-11-21 Visa International Service Association Method of performing transactions with contactless payment devices using pre-tap and two-tap operations
JP5275057B2 (ja) 2009-01-22 2013-08-28 株式会社日立製作所 ポイント決済処理システム、ポイント決済処理方法、およびポイント決済処理プログラム
US20100287244A1 (en) * 2009-05-11 2010-11-11 Navosha Corporation Data communication using disposable contact information
JP5507123B2 (ja) 2009-06-09 2014-05-28 オムロン株式会社 取引管理装置、取引処理システム、および取引管理方法
WO2013134769A1 (en) * 2012-03-09 2013-09-12 Mastercard International Incorporated Systems, methods, and computer readable media for conducting an electronic transaction via a backend server system
US20140081737A1 (en) * 2012-09-18 2014-03-20 Mastercard International Incorporated System and method for real-time discounts at point of sale
JP5563688B1 (ja) 2013-03-15 2014-07-30 三井住友カード株式会社 ポイント充当方法およびそのシステム
GB201306337D0 (en) * 2013-04-08 2013-05-22 Bromley Paul Movement Assembly
US20150112780A1 (en) 2013-10-21 2015-04-23 Mastercard International Incorporated Method and system for processing of a real-time rebate at transaction authorization
US20160092873A1 (en) * 2014-09-30 2016-03-31 Mastercard International Incorporated Systems and methods for processing and monitoring rebates
US20160358201A1 (en) * 2015-06-08 2016-12-08 Mastercard International Incorporated Method and system for automated settlement of transaction account rebates

Also Published As

Publication number Publication date
EP3314557A4 (en) 2018-12-05
CA2988910C (en) 2020-06-16
US20160379242A1 (en) 2016-12-29
CA2988910A1 (en) 2016-12-29
US10528968B2 (en) 2020-01-07
WO2016209431A1 (en) 2016-12-29
CN107710256A (zh) 2018-02-16
RU2669532C1 (ru) 2018-10-11
US11263655B2 (en) 2022-03-01
US20200143410A1 (en) 2020-05-07
EP3314557A1 (en) 2018-05-02

Similar Documents

Publication Publication Date Title
BR112017025836A2 (pt) Método e sistema para o pagamento de pós- autorização de transações usando pontos de fidelidade
BR112017023985A2 (pt) método e sistema para ligação de ativos com base em blockchain às contas de moeda fiduciária
BR112017017049A2 (pt) sistemas e métodos para a tomada de decisão com base em risco
BR112017023984A2 (pt) método e sistema para integração de câmbio de mercado e processamento do emissor para transações com base em blockchain
BR112017023738A2 (pt) método e sistema para controle de fraude de transações baseadas em blockchain
BR112020011703A8 (pt) Fornecendo acesso à rede usando pagamentos em blockchain
BR112018001477A2 (pt) método e sistema para créditos em uma rede social
BR112017023488A2 (pt) método e sistema para aprovação parcial de transações com cartão virtual
BR112018006637A2 (pt) método e sistema para regulação grave com o uso de um protocolo de bloqueio denso
BR112018009007A2 (pt) método e sistema para processamento de uma transação de protocolo de confiança em uma rede de processamento de transação
BR112015032123A2 (pt) detectando operadoras para dispositivos móveis
BR112017023986A2 (pt) método e sistema para processamento de transações com base em cadeia de blocos nas redes de pagamento existentes
BR112018004593A2 (pt) sistemas e métodos para atualizar dados de contas de proprietários de cartões
BR112018013489A2 (pt) método, aparelho e terminal de obtenção de código de verificação
SG10201908563TA (en) Token service provider for electronic/mobile commerce transactions
BR112016023842A2 (pt) sistemas, aparelhos e métodos para autenticação melhorada
SG10201807955WA (en) Network token system
BR112017001734A2 (pt) método de gestão de transação por reconhecimento de matrícula de um veículo
PH12016502598A1 (en) Security control system for granting access and security control method thereof
SG2013042429A (en) Method for receiving an electronic receipt of an electronic payment transaction into a mobile device
BR112017025783A2 (pt) sistemas e métodos de pagamento multimodo
BR112018004711A2 (pt) método e sistema para gerenciar serviços de autenticação de dados de cliente
BR112015005848A2 (pt) sistema e método para descontos em tempo real em ponto de vendas
BR112012017885A2 (pt) método, aparelho, e, meio legível por computador
BR112017003415A2 (pt) método e sistema para processamento de um reembolso em tempo real em autorização de transação

Legal Events

Date Code Title Description
B06U Preliminary requirement: requests with searches performed by other patent offices: procedure suspended [chapter 6.21 patent gazette]
B11B Dismissal acc. art. 36, par 1 of ipl - no reply within 90 days to fullfil the necessary requirements
B350 Update of information on the portal [chapter 15.35 patent gazette]