基本信息:
- 专利标题： CONSTRAINING TRANSACTIONAL CAPABILITIES FOR CONTACTLESS CARDS
- 申请号：PCT/US2020/040261 申请日：2020-06-30
- 公开(公告)号：WO2021003137A1 公开(公告)日：2021-01-07
- 发明人： RULE, Jeffrey , MORETON, Paul , LUTZ, Wayne
- 申请人： CAPITAL ONE SERVICES, LLC
- 申请人地址： 1680 Capital One Drive McLean, Virginia 22102 US
- 专利权人： CAPITAL ONE SERVICES, LLC
- 当前专利权人： CAPITAL ONE SERVICES, LLC
- 当前专利权人地址： 1680 Capital One Drive McLean, Virginia 22102 US
- 代理机构： CARR, Nick et al.
- 优先权： US16/503,142 20190703
- 主分类号： G06Q20/34
- IPC分类号： G06Q20/34 ; G06Q20/32 ; G06Q20/38 ; G06Q20/20 ; G06Q20/40
摘要：
Systems, methods, articles of manufacture, and computer-readable media. A communications interface may receive an indication that a server preauthorized a transaction. The communications interface may receive, from a point of sale device, an indication to pay for the transaction. The contactless card may determine, based on rules stored in the memory, that the location of the mobile device is within one or more locations the contactless card is permitted for use. The contactless card may generate transaction data comprising: indications of an account number and an expiration date of the contactless card, and the indication of the preauthorization. The contactless card may transmit the transaction data to the POS device as payment for the transaction. The server may authorize payment for the transaction using at least a portion of the transaction data based at least in part on identifying the indication of the preauthorization in the transaction data.
IPC结构图谱:
| G | 物理 |
| --G06 | 计算；推算；计数 |
| ----G06Q | 专门适用于行政、商业、金融、管理、监督或预测目的的数据处理系统或方法；其他类目不包含的专门适用于行政、商业、金融、管理、监督或预测目的的处理系统或方法 |
| ------G06Q20/00 | 支付方案，体系结构或协议 |
| --------G06Q20/04 | .支付电路 |
| ----------G06Q20/34 | ..使用卡的，例如集成电路 |