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1. WO2020102330 - INSTALLMENTS SYSTEM AND METHOD

Publication Number WO/2020/102330
Publication Date 22.05.2020
International Application No. PCT/US2019/061152
International Filing Date 13.11.2019
IPC
G06Q 20/24 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
22Payment schemes or models
24Credit schemes, i.e. "pay after"
G06Q 20/40 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/42 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
42Confirmation, e.g. check or permission by the legal debtor of payment
G06Q 20/38 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
G06Q 20/02 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
02involving a neutral third party, e.g. certification authority, notary or trusted third party
Applicants
  • VISA INTERNATIONAL SERVICE ASSOCIATION [US]/[US]
Inventors
  • PINTO, Sheryl
  • KHAN, Muhammad
  • JIANG, Xiaodong
  • DURANSOY, Dogan
  • SETON, Anuja
  • BOLAND, Wayne
  • TRUELSON, Chris
  • VAENA, Eduardo
  • VELUR, Shashi
  • AL-BEDAIWI, Mohammad
Agents
  • BELL, Vanessa
  • JEWIK, Patrick R.
  • TSE, Michael
Priority Data
62/760,69913.11.2018US
62/805,85714.02.2019US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) INSTALLMENTS SYSTEM AND METHOD
(FR) SYSTÈME ET PROCÉDÉ DE VERSEMENTS
Abstract
(EN)
A method includes receiving, by a network computer, a request message including interaction data for an interaction with a user. The interaction data includes an account identifier for an account of the user. The network computer determines that the interaction is eligible for an installment plan by analyzing the interaction data. Based on determining that the interaction is eligible for the installment plan, the network computer transmits data identifying the installment plan. The network computer receives acceptance of the installment plan by the user. Responsive to confirming the acceptance, the network computer initiates the installment plan.
(FR)
L'invention concerne un procédé consistant à recevoir, par un ordinateur de réseau, un message de requête comprenant des données d'interaction pour une interaction avec un utilisateur. Les données d'interaction comprennent un identifiant de compte pour un compte de l'utilisateur. L'ordinateur de réseau détermine que l'interaction est admissible à un plan de versements par analyse des données d'interaction. Sur la base de la détermination selon laquelle l'interaction est admissible au plan de versements, l'ordinateur de réseau transmet des données identifiant le plan de versements. L'ordinateur de réseau reçoit l'acceptation du plan de versements par l'utilisateur. En réponse à la confirmation de l'acceptation, l'ordinateur de réseau déclenche le plan de versements.
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