| 摘要 |
A computer-implemented method for requesting a transfer of data, comprising: transmitting a first request for transfer of data in response to the use of a user device; determining that the first request for the transfer of data has been declined; detecting an event that indicates that the transfer of data in response to the use of the user device can be accepted; and transmitting a second request for the transfer of data in dependence on detecting that the event has occurred. The user device may be at a standard issue payment card, mobile telephone, sticker, watch or key fob and may be capable of contactless payment. The preferred embodiment comprises a transit agency 101, e.g. metropolitan subway utilising the method for the recovery of the fare of a completed journey where the initial request for funds by the acquiring authority 102 was declined by the issuing authority of the payment card 104. The cardholder is permitted travel at time of request without payment; however the data transfer system 103 monitors activity on the bank account associated with the card such that when activity suggests that the account has sufficient funds, the subsequent request for payment is transmitted only when it will be fulfilled. |
