Method, server and system for authorizing a transaction
First Claim
1. A method for authorizing a transaction, comprising:
- generating, by or through a first device, an Id-PAN, the Id-PAN including a bank issuer identifier and at least in part a second device identifier, the second device identifier allowing to address the second device;
sending, by the first device to a first server, a first message including a request for authorizing a transaction accompanied with the Id-PAN;
sending, by the first server to a payment network, a message including a request for getting at least one identifier relating to a second server accompanied with the Id-PAN, the at least one second server identifier allowing to address the second server;
extracting, by the payment network, the bank issuer identifier from the Id-PAN;
getting, by the payment network, based upon the bank issuer identifier, at least one second server identifier;
sending, by the payment network, to the first server, the at least one second server identifier;
sending, by the first server to the second server, a second message including a request for a user authorization for the transaction accompanied with the Id-PAN and transaction data;
retrieving, by the second server, based upon the Id-PAN, the second device identifier and user account data;
sending, by the second server, based upon the second device identifier, to the second device a third message including a request for getting a user approval relating to the transaction accompanied with the transaction data and the user account data;
requesting a user, by the second device, whether the second device user does or does not approve a requested transaction authorization;
sending, by the second device to the second server, a fourth message including a request for authorizing the transaction accompanied with user approval data;
determining, by the second server, based upon the user approval data, a user approval result, and sending to the first server a fifth message including a response for authorizing the transaction accompanied with the user approval result and the Id-PAN;
sending, by the first server, to the second server a sixth message including a request for authorizing the transaction accompanied with the Id-PAN;
verifying by the second server, based upon the Id-PAN, whether the requested transaction is or is not approved by the user; and
sending by the second server to a server a seventh message including a verification result.
4 Assignments
0 Petitions
Accused Products
Abstract
To authorize a transaction, a first device sends to a first server a transaction-authorization request accompanied with an Id-PAN relating to a user account, and including an identifier of a second device. The first server sends to a second server a user-authorization request accompanied with the Id-PAN and transaction data. The second server sends to the second device a request for user approval including the transaction data and the user account data. The second device requests whether the device user approves a requested transaction. The second device sends to the second server a request for authorizing the transaction and data relating to user approval. The second server verifies whether the requested transaction is approved by the user. The second server sends to a server a verification result including a transaction authorization or refusal.
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Citations
8 Claims
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1. A method for authorizing a transaction, comprising:
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generating, by or through a first device, an Id-PAN, the Id-PAN including a bank issuer identifier and at least in part a second device identifier, the second device identifier allowing to address the second device; sending, by the first device to a first server, a first message including a request for authorizing a transaction accompanied with the Id-PAN; sending, by the first server to a payment network, a message including a request for getting at least one identifier relating to a second server accompanied with the Id-PAN, the at least one second server identifier allowing to address the second server; extracting, by the payment network, the bank issuer identifier from the Id-PAN; getting, by the payment network, based upon the bank issuer identifier, at least one second server identifier; sending, by the payment network, to the first server, the at least one second server identifier; sending, by the first server to the second server, a second message including a request for a user authorization for the transaction accompanied with the Id-PAN and transaction data; retrieving, by the second server, based upon the Id-PAN, the second device identifier and user account data; sending, by the second server, based upon the second device identifier, to the second device a third message including a request for getting a user approval relating to the transaction accompanied with the transaction data and the user account data; requesting a user, by the second device, whether the second device user does or does not approve a requested transaction authorization; sending, by the second device to the second server, a fourth message including a request for authorizing the transaction accompanied with user approval data; determining, by the second server, based upon the user approval data, a user approval result, and sending to the first server a fifth message including a response for authorizing the transaction accompanied with the user approval result and the Id-PAN; sending, by the first server, to the second server a sixth message including a request for authorizing the transaction accompanied with the Id-PAN; verifying by the second server, based upon the Id-PAN, whether the requested transaction is or is not approved by the user; and sending by the second server to a server a seventh message including a verification result. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system for authorizing a transaction,
wherein, the system comprising a payment network, a first device, a second device, a first server and a second sever, the first device is configured to: -
generate an Id-PAN, the Id-PAN including a bank issuer identifier and at least in part a second device identifier, the second device identifier allowing to address the second device; and send, to a first server, a first message including a request for authorizing a transaction accompanied with the Id-PAN; wherein the first server is configured to send, to the payment network, a message including a request for getting at least one identifier relating to a second server accompanied with the Id-PAN, the at least one second server identifier allowing to address the second server; wherein the payment network is configured to; extract the bank issuer identifier from the Id-PAN; get, based upon the bank issuer identifier, at least one second server identifier; and send, to the first server, the at least one second server identifier; wherein the first server is configured to send, to the second server, a second message including a request for a user authorization for the transaction accompanied with the Id-PAN and transaction data; wherein the second server is configured to; retrieve, based upon the Id-PAN, the second device identifier and user account data; and send, based upon the second device identifier, to the second device, a third message including a request for getting a user approval relating to the transaction accompanied with the transaction data and the user account data; wherein the second device is configured to; request a user whether the second device user does or does not approve a requested transaction authorization; and send, to the second server, a fourth message including a request for authorizing the requested transaction accompanied with user approval data; wherein the second server is configured to; determine, based upon the user approval data, a user approval result; and send, to the first server, a fifth message including a response for authorizing the transaction accompanied with the user approval result and the Id-PAN; wherein the first server is configured to send, to the second server, a sixth message including a request for authorizing a requested transaction accompanied with the Id-PAN; and wherein the second server is configured to; verify, based upon the Id-PAN, whether the requested transaction is or is not approved by the user; and send, to a server, a seventh message including a verification result.
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Specification