发明名称 |
PRE-TRANSACTION DATA EXCHANGE |
摘要 |
A computer implemented method of obtaining account data and merchant data, the method comprising the steps of: receiving a first request message from a user device at a third party, the first request message containing proposed transaction amount data, location data and payment card data; sending a second request message to a card issuer from the third party, the second request message containing a balance inquiry and payment card data; receiving a first response message from the card issuer at the third party, the first response message containing balance data related to the balance inquiry and payment card data; interrogating a database to obtain merchant data based on the location data; and sending a second response message to the user device from the third party, the second response message containing response data, related to the balance data, and the merchant data. |
申请公布号 |
US2015154591(A1) |
申请公布日期 |
2015.06.04 |
申请号 |
US201414559060 |
申请日期 |
2014.12.03 |
申请人 |
MasterCard International Incorporated |
发明人 |
Ehlen Ann |
分类号 |
G06Q20/38;G06Q20/34;G06Q20/02 |
主分类号 |
G06Q20/38 |
代理机构 |
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代理人 |
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主权项 |
1. A computer implemented method of obtaining account data and merchant data, the method comprising the steps of:
receiving a first request message from a user device at a third party, the first request message containing proposed transaction amount data, location data and payment card data; sending a second request message to a card issuer from the third party, the second request message containing a balance inquiry and payment card data; receiving a first response message from the card issuer at the third party, the first response message containing balance data related to the balance inquiry and payment card data; interrogating a database to obtain merchant data based on the location data; and sending a second response message to the user device from the third party, the second response message containing response data, related to the balance data, and the merchant data. |
地址 |
Purchase NY US |