SG11202109043YA - Method, system, and computer program product for processing a payment transaction via a proxy guarantor - Google Patents

Method, system, and computer program product for processing a payment transaction via a proxy guarantor

Info

Publication number
SG11202109043YA
SG11202109043YA SG11202109043YA SG11202109043YA SG11202109043YA SG 11202109043Y A SG11202109043Y A SG 11202109043YA SG 11202109043Y A SG11202109043Y A SG 11202109043YA SG 11202109043Y A SG11202109043Y A SG 11202109043YA SG 11202109043Y A SG11202109043Y A SG 11202109043YA
Authority
SG
Singapore
Prior art keywords
guarantor
proxy
processing
computer program
program product
Prior art date
Application number
SG11202109043YA
Inventor
Gaurav Mokhasi
Rohit Sukhija
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 SG11202109043YA publication Critical patent/SG11202109043YA/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
    • G06Q30/0601—Electronic shopping [e-shopping]
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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
    • G06Q20/40—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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
SG11202109043YA 2019-06-26 2019-06-26 Method, system, and computer program product for processing a payment transaction via a proxy guarantor SG11202109043YA (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/US2019/039218 WO2020263241A1 (en) 2019-06-26 2019-06-26 Method, system, and computer program product for processing a payment transaction via a proxy guarantor

Publications (1)

Publication Number Publication Date
SG11202109043YA true SG11202109043YA (en) 2021-09-29

Family

ID=74060563

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11202109043YA SG11202109043YA (en) 2019-06-26 2019-06-26 Method, system, and computer program product for processing a payment transaction via a proxy guarantor

Country Status (4)

Country Link
US (1) US12112303B2 (en)
CN (1) CN113711257A (en)
SG (1) SG11202109043YA (en)
WO (1) WO2020263241A1 (en)

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US20030187790A1 (en) * 2002-03-26 2003-10-02 Amy Swift Electronic check processing systems
AU2003213709A1 (en) * 2002-03-26 2003-10-13 First Data Corporation Alternative payment devices using electronic check processing as a payment mechanism
US7925576B2 (en) * 2002-03-26 2011-04-12 First Data Corporation Systems for processing transponder-based transactions
US7131571B2 (en) * 2002-03-26 2006-11-07 First Data Corporation Alternative payment devices using electronic check processing as a payment mechanism
US20030187786A1 (en) * 2002-03-26 2003-10-02 Amy Swift Merchant transponder systems using electronic check processing
US6676017B1 (en) * 2002-11-06 2004-01-13 Smith, Iii Emmitt J. Personal interface device and method
US20050279827A1 (en) 2004-04-28 2005-12-22 First Data Corporation Methods and systems for providing guaranteed merchant transactions
US8768829B2 (en) 2008-07-06 2014-07-01 Anthony Jeremiah Bayne System and method for providing transactional credit
GB2467530A (en) 2009-02-03 2010-08-11 Eservglobal Uk Ltd Credit transfer between telecommunications networks
US20170200158A1 (en) * 2010-10-29 2017-07-13 Thomas Honey Methods and Apparatus for Facilitating a Financial Transaction
US8676708B1 (en) * 2010-10-29 2014-03-18 Aton Behavioral Finance, LLC Methods and apparatus for facilitating a financial transaction
US10032163B2 (en) 2010-12-02 2018-07-24 B & H Worldwide, Llc Processing a financial transaction using single-use financial account card number via portable communication device
US8769304B2 (en) * 2011-06-16 2014-07-01 OneID Inc. Method and system for fully encrypted repository
US8401904B1 (en) * 2011-11-13 2013-03-19 Google Inc. Real-time payment authorization
EP2795549A4 (en) * 2011-12-21 2015-09-23 Mastercard International Inc Methods and systems for providing a payment account with adaptive interchange
US8676709B2 (en) * 2012-07-31 2014-03-18 Google Inc. Merchant category codes in a proxy card transaction
US20140279512A1 (en) * 2013-03-14 2014-09-18 American Express Travel Related Services Company, Inc. Reserve card system and method
US20190096002A1 (en) * 2013-03-15 2019-03-28 Globemed Limited Systems and Methods for Cross-border Health Insurance
US20150120551A1 (en) * 2013-10-29 2015-04-30 Elwha LLC, a limited liability corporation of the State of Delaware Mobile device-facilitated guaranty provisioning
US9846878B2 (en) 2014-01-14 2017-12-19 Visa International Service Association Payment account identifier system
US10163155B2 (en) 2014-04-03 2018-12-25 Mundi Fomukong Method and system for obtaining credit
KR101602465B1 (en) 2014-05-08 2016-03-10 주식회사 케이티 Apparatus and system for credit card payment using representative card and method thereof
CA2906914C (en) 2014-09-29 2023-05-02 The Toronto-Dominion Bank Systems and methods for administering mobile applications using pre-loaded tokens
US10902423B2 (en) 2014-09-29 2021-01-26 Mastercard International Incorporated Method and apparatus for streamlined digital wallet transactions
US10467615B1 (en) 2015-09-30 2019-11-05 Square, Inc. Friction-less purchasing technology
SG10201510737QA (en) * 2015-12-29 2017-07-28 Mastercard International Inc A Method For Authorizing A Transaction Request For A Payment Card
US11373183B2 (en) 2016-05-06 2022-06-28 Mastercard International Incorporated Method and system for instantaneous payment using recorded guarantees
US11068899B2 (en) 2016-06-17 2021-07-20 Visa International Service Association Token aggregation for multi-party transactions
WO2018005635A2 (en) * 2016-06-30 2018-01-04 Square, Inc. Physical, logical separation of balances of funds
US20180082284A1 (en) 2016-09-20 2018-03-22 Paypal, Inc. Processing a transaction using a multiple-use token
US10984411B1 (en) 2016-12-16 2021-04-20 Wells Fargo Bank, N.A. Sending secure proxy elements with mobile wallets
AU2019361900A1 (en) * 2018-10-18 2021-05-06 Mastercard International Incorporated Card-payment-system back-up processing for failed real-time payment system transaction
US20210004896A1 (en) * 2019-07-04 2021-01-07 Justin Gannon Method and system for automated account balancing and credit rating exploitation
US11468432B2 (en) 2019-08-09 2022-10-11 Omnyway, Inc. Virtual-to-physical secure remote payment to a physical location
US11556904B2 (en) * 2020-01-29 2023-01-17 Visa International Service Association Method, system, and computer program product for processing a payment transaction via a proxy guarantor

Also Published As

Publication number Publication date
WO2020263241A1 (en) 2020-12-30
CN113711257A (en) 2021-11-26
US20220138709A1 (en) 2022-05-05
US12112303B2 (en) 2024-10-08

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