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1. (WO2018013736) METHOD AND APPARATUS FOR OPTIMIZING AUTHORIZATION APPROVAL IN A PAYMENT CARD TRANSACTION
Latest bibliographic data on file with the International Bureau    Submit observation

Pub. No.: WO/2018/013736 International Application No.: PCT/US2017/041789
Publication Date: 18.01.2018 International Filing Date: 12.07.2017
IPC:
G06Q 20/38 (2012.01) ,G06Q 20/40 (2012.01) ,G06Q 20/00 (2012.01) ,G06Q 30/00 (2012.01) ,G06Q 40/00 (2012.01) ,G06F 17/30 (2006.01)
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
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
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
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
30
Commerce, e.g. shopping or e-commerce
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
40
Finance; Insurance; Tax strategies; Processing of corporate or income taxes
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
F
ELECTRIC DIGITAL DATA PROCESSING
17
Digital computing or data processing equipment or methods, specially adapted for specific functions
30
Information retrieval; Database structures therefor
Applicants: VISA INTERNATIONAL SERVICE ASSOCIATION[US/US]; P.O. Box 8999 San Francisco, CA 94128, US
Inventors: HOWE, Justin; US
Agent: VOLLER, William, J.; US
Priority Data:
15/209,04113.07.2016US
Title (EN) METHOD AND APPARATUS FOR OPTIMIZING AUTHORIZATION APPROVAL IN A PAYMENT CARD TRANSACTION
(FR) PROCÉDÉ ET APPAREIL POUR OPTIMISER L'APPROBATION D'AUTORISATION DANS UNE TRANSACTION DE CARTE DE PAIEMENT
Abstract:
(EN) A apparatus and method is disclosed for optimizing authorization approval in a proposed payment card transaction. In one embodiment an issuing country of the cardholder issuing bank is identified together with a plurality of potential merchant acquiring banks that could be used to process an authorization request for the proposed payment card transaction. Using historical data regarding previous proposed payment card transactions, historical approval rates are identified for each of the identified potential merchant acquiring bank configurations. The merchant acquiring bank configuration with the highest historical approval rating is selected as the optimal merchant bank configuration for processing authorization approval. To improve the ranking of a given configuration, the apparatus and method may exclude from consideration transactions that do not include: the specific bank identifying number (BIN) on the payment card, the collection of BINs belonging to the cardholder issuing bank, and/or the at least one merchant category code associated with the merchant.
(FR) La présente invention concerne un appareil et un procédé permettant d'optimiser l'approbation d'autorisation dans une transaction de carte de paiement proposée. Dans un mode de réalisation, un pays émetteur de la banque émettrice du titulaire de carte est identifié conjointement avec une pluralité de banques d'acquisition de commerçants potentiels pouvant être utilisées pour traiter une demande d'autorisation pour la transaction de carte de paiement proposée. A l'aide de données historiques concernant des transactions de cartes de paiement proposées précédentes, des taux d'approbation historiques sont identifiés pour chacune des configurations de banques d'acquisition de commerçants potentiels identifiés. La configuration bancaire d'acquisition du marchand avec la notation d'approbation historique la plus élevée est sélectionnée en tant que configuration optimale de la banque commerciale pour le traitement de l'approbation d'autorisation. Pour améliorer le classement d'une configuration donnée, l'appareil et le procédé peuvent exclure des transactions ne comprenant pas : le numéro d'identification de banque spécifique (BIN) sur la carte de paiement, la collecte de BIN appartenant à la banque émettrice du titulaire de carte, et/ou le ou les codes de catégorie de marchand associés au commerçant.
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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, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, 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, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (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, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)