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1. WO2021040879 - TRANSACTION SYSTEM MANAGEMENT

Publication Number WO/2021/040879
Publication Date 04.03.2021
International Application No. PCT/US2020/040208
International Filing Date 30.06.2020
IPC
G06Q 20/40 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, 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
G06Q 20/34 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
34using cards, e.g. integrated circuit cards or magnetic cards
G06Q 20/38 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
CPC
G06Q 20/027
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
02involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
027involving a payment switch or gateway
G06Q 20/40
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, 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
G06Q 20/405
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, 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
405Establishing or using transaction specific rules
Applicants
  • MASTERCARD INTERNATIONAL INCORPORATED [US]/[US]
Inventors
  • FERREIRA DA SILVA, Luis Filipe
Agents
  • DOBBYN, Colm J.
Priority Data
19194797.730.08.2019EP
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) TRANSACTION SYSTEM MANAGEMENT
(FR) GESTION DE SYSTÈME DE TRANSACTION
Abstract
(EN)
A computer-implemented method for management of a transaction within a network comprising a first entity, a transaction server and a second entity, wherein the management of the transaction comprises an authorisation phase and a clearing phase, the method being implemented at the transaction server, the method comprising: receiving (410) an authorisation request message from the first entity; sending (412) the authorisation request message to the second entity; receiving (418) an authorisation request response message from the second entity; and analysing (413) the received authorisation request response message to determine if the received authorisation request response message contains an approval indicator, the approval indicator indicating that the second entity approves the transaction, wherein in the event that the received authorisation request response message contains the approval indicator and the transaction is associated with a transaction indicator, the transaction indicator indicating that the clearing phase can be performed, the transaction server generates (419) and submits (421) a clearing request message on behalf of the first entity for enabling the clearing phase to be performed.
(FR)
L'invention concerne un procédé mis en œuvre par ordinateur pour la gestion d'une transaction dans un réseau comprenant une première entité, un serveur de transaction et une deuxième entité, la gestion de la transaction comprenant une phase d'autorisation et une phase de compensation, le procédé étant mis en œuvre au niveau du serveur de transaction, le procédé consistant à : recevoir (410) un message de demande d'autorisation provenant de la première entité ; envoyer (412) le message de demande d'autorisation à la deuxième entité ; recevoir (418) un message de réponse de demande d'autorisation provenant de la deuxième entité ; et analyser (413) le message de réponse de demande d'autorisation reçu pour déterminer si le message de réponse de demande d'autorisation reçu contient un indicateur d'approbation, l'indicateur d'approbation indiquant que la deuxième entité approuve la transaction, dans le cas où le message de réponse de demande d'autorisation reçu contient l'indicateur d'approbation et où la transaction est associée à un indicateur de transaction, l'indicateur de transaction indiquant que la phase de compensation peut être effectuée, le serveur de transaction produit (419) et soumet (421) un message de demande de compensation au nom de la première entité pour permettre la mise en œuvre de la phase de compensation.
Also published as
Latest bibliographic data on file with the International Bureau