CA2981307C - Systeme et procede de reglement de preautorisations de terminaux de point de vente - Google Patents

Systeme et procede de reglement de preautorisations de terminaux de point de vente Download PDF

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Publication number
CA2981307C
CA2981307C CA2981307A CA2981307A CA2981307C CA 2981307 C CA2981307 C CA 2981307C CA 2981307 A CA2981307 A CA 2981307A CA 2981307 A CA2981307 A CA 2981307A CA 2981307 C CA2981307 C CA 2981307C
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CA
Canada
Prior art keywords
authorization
database
threshold
account number
offline
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Active
Application number
CA2981307A
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English (en)
Other versions
CA2981307A1 (fr
Inventor
Jeffrey Aaron Ecker
Bryan Michael Gleeson
Igor Elkhinovich
Dmitri Rabinovich
Adam Douglas Mcphee
Matta Wakim
Kyryll Odobetskiy
Arun Victor JAGGA
John Jong-Suk Lee
Rakesh Thomas Jethwa
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Toronto Dominion Bank
Original Assignee
Toronto Dominion Bank
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Toronto Dominion Bank filed Critical Toronto Dominion Bank
Priority to CA2981307A priority Critical patent/CA2981307C/fr
Publication of CA2981307A1 publication Critical patent/CA2981307A1/fr
Application granted granted Critical
Publication of CA2981307C publication Critical patent/CA2981307C/fr
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, 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
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

Il est décrit un terminal de point de vente comprenant une interface de carte et configuré dans le but de recevoir une pluralité de demandes de préautorisation. Chaque demande comprend une autorisation et un numéro de compte fourni par linterface de carte. De plus, le terminal est configuré dans le but de localiser un enregistrement de base de données dans une base de données de préautorisation associé au numéro de compte respectif, de confirmer que le montant dautorisation respectif ne dépasse pas un seuil dautorisation hors ligne, de générer un message de confirmation dautorisation comprenant le numéro de compte et le montant dautorisation respectifs et denregistrer le message de confirmation dautorisation dans une base de données de compensation, en réaction à chaque demande de préautorisation. Le terminal est en outre configuré pour générer une charge utile de compensation comprenant la pluralité de messages de confirmation dautorisation sauvegardés, et transmettre la charge utile de compensation sur un réseau informatique.
CA2981307A 2017-10-03 2017-10-03 Systeme et procede de reglement de preautorisations de terminaux de point de vente Active CA2981307C (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CA2981307A CA2981307C (fr) 2017-10-03 2017-10-03 Systeme et procede de reglement de preautorisations de terminaux de point de vente

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CA2981307A CA2981307C (fr) 2017-10-03 2017-10-03 Systeme et procede de reglement de preautorisations de terminaux de point de vente

Publications (2)

Publication Number Publication Date
CA2981307A1 CA2981307A1 (fr) 2019-04-03
CA2981307C true CA2981307C (fr) 2024-05-28

Family

ID=65992266

Family Applications (1)

Application Number Title Priority Date Filing Date
CA2981307A Active CA2981307C (fr) 2017-10-03 2017-10-03 Systeme et procede de reglement de preautorisations de terminaux de point de vente

Country Status (1)

Country Link
CA (1) CA2981307C (fr)

Also Published As

Publication number Publication date
CA2981307A1 (fr) 2019-04-03

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