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1. (WO2019045672) SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR DYNAMIC APPLICATION SELECTION
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Pub. No.: WO/2019/045672 International Application No.: PCT/US2017/048808
Publication Date: 07.03.2019 International Filing Date: 28.08.2017
IPC:
G06Q 20/32 (2012.01) ,G06Q 20/40 (2012.01) ,G06Q 40/02 (2012.01) ,H04W 12/06 (2009.01)
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
30
characterised by the use of specific devices
32
using wireless devices
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
40
Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02
Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
H ELECTRICITY
04
ELECTRIC COMMUNICATION TECHNIQUE
W
WIRELESS COMMUNICATION NETWORKS
12
Security arrangements, e.g. access security or fraud detection; Authentication, e.g. verifying user identity or authorisation; Protecting privacy or anonymity
06
Authentication
Applicants:
VISA INTERNATIONAL SERVICE ASSOCIATION [US/US]; P.O. Box 8999 San Francisco, California 94128, US
Inventors:
PRABHU, Rajen, Srinivasa; SG
Agent:
PREPELKA, Nathan, J.; US
EHRET, Christian, D.; US
CZAJKOWSKI, Steven, D.; US
MACE, Aaron, A.; US
Priority Data:
Title (EN) SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR DYNAMIC APPLICATION SELECTION
(FR) SYSTÈME, PROCÉDÉ ET PRODUIT-PROGRAMME INFORMATIQUE PERMETTANT UNE SÉLECTION D'APPLICATION DYNAMIQUE
Abstract:
(EN) A system, method, and computer program product for dynamic application selection for payment transactions determines identification data of an issuer institution associated with a portable financial device based at least partially on transaction data associated with at least one transaction at a merchant with the portable financial device. At least one electronic service application of a plurality of electronic service applications is determined based at least partially on the identification data of the issuer institution. Electronic service application data associated with the at least one electronic service application and stored in association with the issuer institution is accessed at a merchant system of the merchant. The at least one transaction is modified based at least partially on the electronic service application data associated with the at least one electronic service application. An authorization response message is received after communicating an authorization request message associated with the at least one modified transaction.
(FR) Selon l'invention, un système, un procédé et un produit-programme informatique permettant une sélection d'application dynamique pour des transactions de paiement déterminent les données d'identification d'une institution émettrice associée à un dispositif financier portable d'après au moins en partie les données de transaction associées à au moins une transaction chez un commerçant avec le dispositif financier portable. Au moins une application de service électronique d'une pluralité d'applications de service électronique est déterminée d'après au moins en partie les données d'identification de l'institution émettrice. Les données d'application de service électronique associées à l'application ou aux applications de service électronique et stockées en association avec l'institution émettrice sont accessibles sur un système du commerçant. La ou les transactions sont modifiées d'après au moins en partie les données d'application de service électronique associées à l'application ou aux applications de service électronique. Un message de réponse d'autorisation est reçu après la communication d'un message de demande d'autorisation associé à la transaction ou aux transactions modifiées.
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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)