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1. (WO2013025599) APPARATUS AND METHOD FOR HANDLING TRANSACTION TOKENS
Latest bibliographic data on file with the International Bureau

Pub. No.: WO/2013/025599 International Application No.: PCT/US2012/050560
Publication Date: 21.02.2013 International Filing Date: 13.08.2012
IPC:
G06Q 20/40 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
40
Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Applicants:
BANK OF AMERICA CORPORATION [US/US]; Hearst Tower, 214 N. Tryon Street Nc1-027-20-05 Charlotte, NC 28255, US (AllExceptUS)
RADHAKRISHNAN, Rakesh [US/US]; US (UsOnly)
Inventors:
RADHAKRISHNAN, Rakesh; US
Agent:
BROWN-SANFORD, Christa; Baker Botts, LLP 2001 Ross Avenue, Suite 600 Dalla, TX 75201, US
Priority Data:
13/210,10115.08.2011US
13/479,51624.05.2012US
Title (EN) APPARATUS AND METHOD FOR HANDLING TRANSACTION TOKENS
(FR) DISPOSITIF ET PROCÉDÉ DE MANIPULATION DE JETONS DE TRANSACTION
Abstract:
(EN) According to one embodiment, an apparatus may store a plurality of token based rules. A token-based rule may facilitate the processing of transactions. The apparatus may receive a transaction token indicating that a transaction associated with an entity has been requested. The apparatus may determine at least one token-based rule based at least in part upon the transaction token. The at least one token-based rule may indicate that there is a risk that the transaction is fraudulent. The apparatus may determine that the transaction should be denied based at least in part upon the risk that the transaction is fraudulent.
(FR) Un mode de réalisation de la présente invention concerne un dispositif pouvant stocker une pluralité de règles à base de jetons. Une règle à base de jetons peut faciliter le traitement de transactions. Le dispositif peut recevoir un jeton de transaction indiquant qu'une transaction associée à une entité a été demandée. Le dispositif peut déterminer au moins une règle à base de jetons en se basant au moins en partie sur le jeton de transaction. Ladite règle à base de jetons peut indiquer qu'il existe un risque que la transaction soit frauduleuse. Le dispositif peut déterminer que la transaction doit être refusée en se basant au moins en partie sur le risque que la transaction soit frauduleuse.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IS, JP, KE, KG, KM, KN, KP, KR, KZ, LA, LC, LK, LR, LS, LT, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Organization (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)