Patent SG-11201900409V-A (SG)
Title: Systems and methods for use in facilitating transactions
Inventor: KOHLI MANONEET
IPC: G06Q30/06
Filed: 2017-07-31
Abstract: INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property 1111111111111 0 1111111111111111310 11111111111111111111101011110 11111111111 0111111 Organization International Bureau (10) International Publication Number (43) International Publication Date ......0\" WO 2018/034829 Al 22 February 2018 (22.02.2018) WIP0 I PCT (51) International Patent Classification: (72) Inventor: KOHLI, Manoneet; 11 Lake Street, Apt. 4A, G06Q 20/40 (2012.01) G06Q 30/06 (2012.01) White Plains, NY 10603 (US). (21) International Application Number: (74) Agent: DOBBYN, Colm, J.; Mastercard International In- PCT/US2017/044606 corporated, 2000 Purchase Street, Purchase, NY 10577 (22) International Filing Date: (US). 31 July 2017 (31.07.2017) (81) Designated States (unless otherwise indicated, for every (25) Filing Language: English kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, (26) Publication Language: English CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, (30) Priority Data: DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, 15/239,385 17 August 2016 (17.08.2016) US HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, (71) Applicant: MASTERCARD INTERNATIONAL IN- MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, CORPORATED [US/US]; 2000 Purchase Street, Pur- OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, chase, NY 10577 (US). SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (54) Title: SYSTEMS AND METHODS FOR USE IN FACILITATING TRANSACTIONS ENGINE *------124 100 • • PAYMENT NETWORK ACQUIRER ISSUER 106 MPI 120 104 200 200 1 200 108 200 MERCHANT 102 NETWORK 200 200 110 122 118 116 11 4 FIG. 1 112 • ..... x, CONSUMER Il (57) : Systems and methods are provided for use in facilitating transactions associated with a payment account. One exemplary ON method includes receiving an authentication request message for a transaction to a payment account associated with a consumer, where ei of the payment account is associated with at least one authentication procedure requiring input from the consumer to authenticate the il• consumer in connection with the transaction and where the authentication request message includes at least one detail related to the C transaction. The method also includes accessing, by a computing device, a profile associated with the consumer and based at least in —. part on a prior transaction history of the payment account, and opting, by the computing device, the transaction out of the at least one WD authentication procedure when the at least one detail related to the transaction is consistent with the profile. 1-1 0 ei C [Continued on next page] WO 2018/034829 Al MIDEDIMOMOIDEIREIHNIMIEENCIONVOIS (84) Designated States (unless otherwise indicated, for every kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Published: — with international search report (Art. 21(3))