Systems, methods, and computer products for processing payments using a proxy card
US9367834B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jan 22, 2010 |
| Grant date | Jun 14, 2016 |
| Priority date | — |
| Expiry date | Sep 10, 2032 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG07F7/10
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Systems, methods and computer program products for processing payments for a proxy card are provided. Embodiments of the system include a processor, and a memory in communication with the processor. The memory may be configured to store processing instructions for directing the processor to receive a request for authorization of a payment. In various embodiments, the request is triggered at a merchant server, by the use of a proxy card of the customer. The processor attempts to identify at least one desired payment mode for making the payment, from among payment mode(s) associated with the proxy card. The processor first selects the payment modes based at least in part on one or more selection criteria, such as predefined customer goals, and then the processor performs an authorization check to identify the desired payment modes. Subsequently, the processor authorizes the payment if at least one desired payment mode is identified.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.