发明名称 |
Credit Card Point of Service Payment Authorization System |
摘要 |
Systems and methods for secure verification of point of sale transactions to reduce fraudulent transactions are described herein. The system includes a backend communications module; a merchant point of sale network in communication with the backend communications module, adapted to transmit requests for authorization of a transaction and receive confirmation or denial of authorization of the transaction; a portable user device in communication with the backend communications module; a bank network in communication with the backend communications module, adapted to receive requests for authorization of transactions, determine if the user authorizes a transaction, and confirm or deny the transaction based on the user's authorization; and software executing on the portable user device adapted to pre-authorize transactions and authorize or deny a currently pending transaction. There is no direct communication between the merchant network, the portable user device, and the bank network. |
申请公布号 |
US2015269582(A1) |
申请公布日期 |
2015.09.24 |
申请号 |
US201514717386 |
申请日期 |
2015.05.20 |
申请人 |
Securus, LLC |
发明人 |
Simmons Wayne S. |
分类号 |
G06Q20/40;G06Q20/42;G06Q20/24;G06Q20/20 |
主分类号 |
G06Q20/40 |
代理机构 |
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代理人 |
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主权项 |
1. A system for secure verification of point of sale transactions to reduce fraudulent transactions, comprising:
a backend communications module; a merchant point of sale network in communication with the backend communications module, adapted to transmit requests for authorization of a transaction and receive confirmation or denial of authorization of the transaction; a portable user device in communication with the backend communications module; a bank network in communication with the backend communications module, adapted to receive requests for authorization of transactions, determine if the user authorizes a transaction, and confirm or deny the transaction based on the user's authorization; and software executing on the portable user device adapted to pre-authorize transactions and authorize or deny a currently pending transaction; wherein there is no direct communication between the merchant network, the portable user device, and the bank network. |
地址 |
Annapolis MD US |