EP4758574A2 - Système, procédé et produit programme informatique pour identifiants de compte flexible et routage de message de transaction flexible - Google Patents

Système, procédé et produit programme informatique pour identifiants de compte flexible et routage de message de transaction flexible

Info

Publication number
EP4758574A2
EP4758574A2 EP24854752.3A EP24854752A EP4758574A2 EP 4758574 A2 EP4758574 A2 EP 4758574A2 EP 24854752 A EP24854752 A EP 24854752A EP 4758574 A2 EP4758574 A2 EP 4758574A2
Authority
EP
European Patent Office
Prior art keywords
account identifier
rule
transaction
account
payment
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.)
Pending
Application number
EP24854752.3A
Other languages
German (de)
English (en)
Inventor
Justin Edward HADGKISS
Conor John LYNCH
Sonia Gupta
Karthikeyan Palanisamy
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.)
Visa International Service Association
Original Assignee
Visa International Service Association
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 Visa International Service Association filed Critical Visa International Service Association
Publication of EP4758574A2 publication Critical patent/EP4758574A2/fr
Pending legal-status Critical Current

Links

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
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/401—Transaction verification
    • 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
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards

Landscapes

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

Abstract

L'invention concerne des systèmes, des procédés et des produits programmes informatiques pour des identifiants de compte flexibles et un routage de message de transaction flexible. Un procédé donné à titre d'exemple consiste à recevoir un message de demande d'autorisation qui comprend un premier identifiant de compte dans un premier champ. Un second identifiant de compte est déterminé sur la base d'au moins une règle. Un message de demande d'autorisation modifié est généré et comprend le second identifiant de compte dans le premier champ et le premier identifiant de compte dans un second champ. Le message de demande d'autorisation modifié est transmis à un système émetteur associé au second identifiant de compte. Un message de réponse d'autorisation est reçu en provenance du système émetteur et comprend le second identifiant de compte dans le premier champ et le premier identifiant de compte dans le second champ. Un message de réponse d'autorisation modifié comprenant le premier identifiant de compte dans le premier champ et le second identifiant de compte dans le second champ est généré et transmis.
EP24854752.3A 2023-08-11 2024-08-12 Système, procédé et produit programme informatique pour identifiants de compte flexible et routage de message de transaction flexible Pending EP4758574A2 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US202363532119P 2023-08-11 2023-08-11
PCT/US2024/041877 WO2025038519A2 (fr) 2023-08-11 2024-08-12 Système, procédé et produit programme informatique pour identifiants de compte flexible et routage de message de transaction flexible

Publications (1)

Publication Number Publication Date
EP4758574A2 true EP4758574A2 (fr) 2026-06-17

Family

ID=94633114

Family Applications (1)

Application Number Title Priority Date Filing Date
EP24854752.3A Pending EP4758574A2 (fr) 2023-08-11 2024-08-12 Système, procédé et produit programme informatique pour identifiants de compte flexible et routage de message de transaction flexible

Country Status (3)

Country Link
EP (1) EP4758574A2 (fr)
CN (1) CN121816590A (fr)
WO (1) WO2025038519A2 (fr)

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10007915B2 (en) * 2011-01-24 2018-06-26 Visa International Service Association Systems and methods to facilitate loyalty reward transactions
US9483763B2 (en) * 2014-05-29 2016-11-01 Apple Inc. User interface for payments
US10489781B1 (en) * 2018-10-02 2019-11-26 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards

Also Published As

Publication number Publication date
WO2025038519A3 (fr) 2025-03-27
WO2025038519A2 (fr) 2025-02-20
CN121816590A (zh) 2026-04-07

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