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1. (WO2018034829) SYSTEMS AND METHODS FOR USE IN FACILITATING TRANSACTIONS
Latest bibliographic data on file with the International Bureau    Submit observation

Pub. No.: WO/2018/034829 International Application No.: PCT/US2017/044606
Publication Date: 22.02.2018 International Filing Date: 31.07.2017
IPC:
G06Q 20/40 (2012.01) ,G06Q 30/06 (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
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
06
Buying, selling or leasing transactions
Applicants: MASTERCARD INTERNATIONAL INCORPORATED[US/US]; 2000 Purchase Street Purchase, NY 10577, US
Inventors: KOHLI, Manoneet; US
Agent: DOBBYN, Colm, J.; US
Priority Data:
15/239,38517.08.2016US
Title (EN) SYSTEMS AND METHODS FOR USE IN FACILITATING TRANSACTIONS
(FR) SYSTÈMES ET PROCÉDÉS CONÇUS POUR FACILITER DES TRANSACTIONS
Abstract:
(EN) Systems and methods are provided for use in facilitating transactions associated with a payment account. One exemplary method includes receiving an authentication request message for a transaction to a payment account associated with a consumer, where the payment account is associated with at least one authentication procedure requiring input from the consumer to authenticate the consumer in connection with the transaction and where the authentication request message includes at least one detail related to the transaction. The method also includes accessing, by a computing device, a profile associated with the consumer and based at least in part on a prior transaction history of the payment account, and opting, by the computing device, the transaction out of the at least one authentication procedure when the at least one detail related to the transaction is consistent with the profile.
(FR) L'invention concerne des systèmes et des procédés destinés à être utilisés pour faciliter des transactions associées à un compte de paiement. Un procédé donné à titre d'exemple consiste à recevoir un message de demande d'authentification pour une transaction vers un compte de paiement associé à un consommateur, le compte de paiement étant associé à au moins une procédure d'authentification nécessitant une entrée du consommateur pour authentifier le consommateur en relation avec la transaction, et le message de demande d'authentification comprenant au moins un détail relatif à la transaction. Le procédé consiste également à accéder, avec un dispositif informatique, à un profil associé au consommateur et basé au moins en partie sur un historique de transactions antérieures du compte de paiement, et à retirer, avec le dispositif informatique, la transaction de la ou des procédures d'authentification lorsque le ou les détails liés à la transaction sont cohérents avec le profil.
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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)