Systems and methods for providing stand-in authorization
US11080714B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | May 27, 2016 |
| Grant date | Aug 3, 2021 |
| Priority date | — |
| Expiry date | Jul 24, 2037 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/405
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A computer-implemented method for performing a stand-in payment authorization is provided. The method is implemented using a stand-in payment authorization (SPA) computing device. The method includes storing account numbers of predesignated cardholders in an account file that are designated to receive stand-in authorization by the SPA computing device. The method also includes receiving an authorization request data signal redirected to the SPA computing device after the authorization request data signal was submitted to an unresponsive issuing bank computing device. The method further includes generating an authorization response data signal based at least upon a comparison of the account numbers stored in the account file to a candidate account number. The method further includes transmitting the authorization response data signal.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.