SG11202102862PA - System, method, and computer program product for real-time automatic authorization of a payment transaction - Google Patents

System, method, and computer program product for real-time automatic authorization of a payment transaction

Info

Publication number
SG11202102862PA
SG11202102862PA SG11202102862PA SG11202102862PA SG11202102862PA SG 11202102862P A SG11202102862P A SG 11202102862PA SG 11202102862P A SG11202102862P A SG 11202102862PA SG 11202102862P A SG11202102862P A SG 11202102862PA SG 11202102862P A SG11202102862P A SG 11202102862PA
Authority
SG
Singapore
Prior art keywords
real
computer program
program product
payment transaction
time automatic
Prior art date
Application number
SG11202102862PA
Other languages
English (en)
Inventor
Emese Bari
Jiri Medlen
Ramkumar Jambunathan
Original Assignee
Visa Int Service Ass
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 Visa Int Service Ass filed Critical Visa Int Service Ass
Publication of SG11202102862PA publication Critical patent/SG11202102862PA/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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing 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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06N—COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS
    • G06N20/00—Machine learning
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of 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
    • G06Q20/4015—Transaction verification using location information
    • 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)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Software Systems (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Data Mining & Analysis (AREA)
  • Evolutionary Computation (AREA)
  • Medical Informatics (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Computing Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Mathematical Physics (AREA)
  • Artificial Intelligence (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
SG11202102862PA 2018-10-02 2018-10-02 System, method, and computer program product for real-time automatic authorization of a payment transaction SG11202102862PA (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/US2018/053874 WO2020072040A1 (en) 2018-10-02 2018-10-02 System, method, and computer program product for real-time automatic authorization of a payment transaction

Publications (1)

Publication Number Publication Date
SG11202102862PA true SG11202102862PA (en) 2021-04-29

Family

ID=70054676

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11202102862PA SG11202102862PA (en) 2018-10-02 2018-10-02 System, method, and computer program product for real-time automatic authorization of a payment transaction

Country Status (4)

Country Link
US (2) US11615417B2 (zh)
CN (2) CN116911861A (zh)
SG (1) SG11202102862PA (zh)
WO (1) WO2020072040A1 (zh)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11966921B2 (en) * 2021-04-20 2024-04-23 Capital One Services, Llc Systems and methods for using proxy number tokens with configurable relationship data bindings

Family Cites Families (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030074317A1 (en) * 2001-10-15 2003-04-17 Eyal Hofi Device, method and system for authorizing transactions
US20060095369A1 (en) * 2001-10-15 2006-05-04 Eyal Hofi Device, method and system for authorizing transactions
US7873710B2 (en) * 2007-02-06 2011-01-18 5O9, Inc. Contextual data communication platform
US9767474B1 (en) * 2010-03-23 2017-09-19 Amazon Technologies, Inc. Transaction tracking and incentives
US20140279465A1 (en) * 2013-03-15 2014-09-18 Paynearme, Inc. Location Based Payments
US20130046691A1 (en) * 2011-08-15 2013-02-21 Ebay, Inc. Location-based service payment and setup
US8880426B2 (en) * 2012-01-30 2014-11-04 Honeywell International, Inc. Methods and systems employing time and/or location data for use in transactions
US9672518B2 (en) * 2013-09-21 2017-06-06 Whirl, Inc. Systems, methods, and devices for improved transactions at a point of sale
US10325248B2 (en) * 2013-10-01 2019-06-18 Visa International Service Association Automobile mobile-interaction platform apparatuses, methods and systems
US9904921B2 (en) * 2013-10-29 2018-02-27 Mastercard International Incorporated Systems and methods for tokenless authentication of consumers during payment transactions
US9898788B1 (en) 2015-03-25 2018-02-20 Amazon Technologies, Inc. Predictive restaurant ordering
US20160283703A1 (en) * 2015-03-27 2016-09-29 Mark Allyn Technologies for verifying biometrics during fingerprint authentication
US10303869B1 (en) * 2015-04-17 2019-05-28 Wells Fargo Bank, N.A. Relative and dynamic multifactor authentication
US11204991B1 (en) * 2015-10-29 2021-12-21 Omnivu, Inc. Identity verification system and method for gathering, identifying, authenticating, registering, monitoring, tracking, analyzing, storing, and commercially distributing dynamic markers and personal data via electronic means
US20180082356A1 (en) * 2016-09-21 2018-03-22 Wal-Mart Stores, Inc. Systems and methods for determining customer availability for customer pick up of orders
US10853800B1 (en) * 2017-04-25 2020-12-01 United Services Automobile Association (Usaa) Document generation with dynamic watermarking
US10602930B2 (en) * 2018-03-29 2020-03-31 Bank Of America Corporation Multi-biometric-factor, internet of things (IOT), secured network

Also Published As

Publication number Publication date
US20210390552A1 (en) 2021-12-16
CN112805738A (zh) 2021-05-14
WO2020072040A1 (en) 2020-04-09
CN116911861A (zh) 2023-10-20
CN112805738B (zh) 2023-08-04
US20230206239A1 (en) 2023-06-29
US11615417B2 (en) 2023-03-28

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