Centralized system for data retrieval
US10078839B1 · kind B1 · utility
Assignee
Inventors
Key dates
| Filing date | Aug 30, 2017 |
| Grant date | Sep 18, 2018 |
| Priority date | — |
| Expiry date | Aug 30, 2037 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/405
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
This disclosure describes, in part, techniques for storing transaction data at a central service, and techniques for querying information associated with the data from the central service when authorizing payment instruments for transactions. For instance, a central service may receive historical transaction data from multiple payment services that authorize payment instruments for merchants, and then store the historical transaction data in one or more databases. A payment service may then receive a request to authorize a payment instrument for a transaction between a merchant and a customer. Based on receiving the request, the payment service can send the central service a message that includes a query for information associated with historical transaction data corresponding to the payment instrument. In response, the payment service can receive the information from the central service and authorize the payment instrument using the information.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.