Stand-in authorization system and stand-in authorization method

US12184653B2 · kind B2 · utility

Assignee

• CHINA UNIONPAY CO., LTD. · CN

Inventors

• Lin Chen · Shanghai, CN
• Jianming Kang · Shanghai, CN
• Zhijun Lu · Shanghai, CN
• Yanming Yang · Lo Wu, CN
• Jinzhi Hua · Shanghai, CN
• Xu Wang · Beijing, CN
• Sen Yang · Zhuhai, CN

Key dates

• Filing date: Jun 24, 2019
• Grant date: Dec 31, 2024
• Expiry date: Mar 12, 2042

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04L63/123
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

The invention provides an entrusted-authorization system and an entrusted-authorization method. The entrusted-authorization system comprises an accounting system, a switch module and an entrusted-authorization module, wherein the entrusted-authorization module stores entrusted-authorization parameters determined by the accounting system, the switch module is connected with the accounting system and the entrusted-authorization module for transmitting transaction request messages from the client terminal to the entrusted-authorization module for processing in case that the accounting system is unavailable, wherein the entrusted-authorization module verifies the transaction request messages according to the entrusted-authorization parameters; otherwise, the messages are sent to the accounting system for processing. The transaction request messages comprise financial account information, financial institution information, transaction-initiation institution information and transaction amount. With the entrusted-authorization system and entrusted-authorization method of the invention, a normal processing of transaction request can be ensured when the accounting system is unavailable.