Patent AU-2012321081-B2 (AU)
Title: Real-time payment authorization
Inventor: SIMAKOV PAVEL
IPC: G06Q20/00
Filed: 2012-11-13
Granted: 2013-10-10
Abstract: (12) INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (10) International Publication Number (43) International Publication Date W O 2013/071310 Al 16 May 2013 (16.05.2013) W I PO I P CT (51) International Patent Classification: AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, G06Q 20/40 (2012.01) G06Q 40/02 (2012.01) BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DK, DM, DO, DZ, EC, EE, EG, ES, Fl, GB, GD, GE, GH, GM, GT, (21) International Application Number: HN, HR, HU, ID, IL, IN, IS, JP, KE, KG, KM, KN, KP, PCT/US2012/064880 KR, KZ, LA, LC, LK, LR, LS, LT, LU, LY, MA, MD, (22) International Filing Date: ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, 13 November 2012 (13.11.2012) NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, (25) Filing Language: English TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, (26) Publication Language: English ZM, ZW. (30) Priority Data: (84) Designated States (unless otherwise indicated, for every 61/559,136 13 November 2011 (13.11.2011) US kind of regional protection available): ARIPO (BW, GH, 13/475,112 18 May 2012 (18.05.2012) US GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, (71) Applicant: GOOGLE INC. [US/US]; 1600 Amphitheatre TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, Parkway, Mountain View, CA 94043 (US). EE, ES, Fl, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, (72) Inventors: LAI, Angela, Chun Wah; 25700 Deerfield MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, Drive, Los Altos Hills, CA 94022 (US). BEDIER, Osama; TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, 3538 Casabella Court, San Jose, CA 95148 (US). SI- ML, MR, NE, SN, TD, TG). MAKOV, Pavel; 7w 41st Avenue, #239, San Mateo, CA Published: 94403 (US). PHUKAN, Prasenjit; 710 Berry Avenue, Los - with international search report (Art. 21(3 Altos, CA 94024 (US). - before the expiration of the time limit for amending the (74) Agent: ISAACS II, William, 0.; Johnson, Marcou & claims and to be republished in the event of receipt of Isaacs, Llc, 317 A E. Liberty Street, Savannah, GA 31401 amendments (Rule 48.2(h) (US). (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, (54) Title: REAL-TIME PAYMENT AUTHORIZATION AiIAc e C 101 170b Datal'lo' 4 _ UerInerac (57) Abstract: Novel features to be used in a proxy card payment system include a real-time request to override a declined transac -. tion or to select a different financial account and the insertion of user identification information into the transaction approval mes sage sent to the merchant. A payment request is forwarded to the payment system, which maintains the proxy card account and de otermmnes whether the transaction violates a user-defined rule. If the transaction is declined by the issuer that maintains the financial f4 account, or the payment system for violation of a user-defined rule, the payment system sends a real-time message to the user. The user is prompted to override the rule causing the transaction to be declined or to select a new account to process the transaction. Gnce the payment system receives authorization for the transaction, it inserts the user identification information in an approval mes sage before transmitting the approval to the merchant.