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US 2019/0318355 A1Published application
Method and system for pre-authorizing a delivery transaction
AssigneeVisa International Service Association
InventorsAkshay CHOPRA, Marco Peter Lamantia
Life of this patent
Estimating the term…
Abstract
A method for pre-authorizing a delivery transaction is disclosed. A transaction value can be pre-authorized such that resources can be delivered. After the resources are delivered, a user can determine whether to continue with processing the transaction.
Claims20
A method comprising:
- receiving, by a resource provider computer, from a user device, a request to pre-authorize a transaction for one or more resources;
- transmitting, by the resource provider computer, to an authorizing entity computer, a pre-authorization request message for the transaction, the pre-authorization request message indicating a value for the transaction, and the authorizing entity computer thereafter pre-authorizing the transaction and holding the value;
- receiving, by the resource provider computer, a pre-authorization response message from the authorizing entity computer indicating that the transaction is pre-authorized;
- transmitting, by the resource provider computer, an instruction to deliver the one or more resources;
- receiving, by the resource provider computer, a message indicating that the one or more resources were delivered;
- and
- transmitting, by the resource provider computer, to the authorizing entity computer or a processing network computer, a subsequent message to process the transaction for the value or for less than the value.
4 more elements
A resource provider computer comprising:
- a processor;
- and
- a computer readable medium, the computer readable medium comprising code, executable by the processor, for implementing a method comprising:
- receiving, from a user device, a request to pre-authorize a transaction for one or more resources;
- transmitting, to an authorizing entity computer, a pre-authorization request message for the transaction, the pre-authorization request message indicating a value for the transaction, and the authorizing entity computer thereafter pre-authorizing the transaction and holding the value;
- receiving a pre-authorization response message from the authorizing entity computer indicating that the transaction is pre-authorized;
- transmitting an instruction to deliver the one or more resources;
- receiving a message indicating that the one or more resources were delivered;
- and
- transmitting, to the authorizing entity computer or a processing network computer, a subsequent message to process the transaction for the value or for less than the value.
7 more elements
A method comprising:
- receiving, by a user device, from a user, a selection of one or more resources to be delivered to the user for a transaction;
- receiving, by the user device, from the user, an indication to pre-authorize the transaction;
- sending, by the user device, a request to pre-authorize the transaction for the one or more resources to a resource provider computer, the resource provider computer thereafter initiating a pre-authorization request message with a value for the transaction to an authorizing entity computer, which pre-authorizes the transaction and holds the value, and transmits a pre-authorization response message back to the resource provider computer;
- receiving, by the user device, an acceptance request message prompting the user device to indicate that the one or more resources were delivered and are accepted;
- displaying, by the user device, to the user, a prompt to indicate whether the delivered one or more resources are accepted;
- receiving, by a user device, from the user, an indication that at least one of the delivered one or more resources are accepted;
- and
- sending, by the user device, an acceptance response message indicating that at least one of the delivered one or more resources are accepted, the resource provider computer thereafter transmitting a subsequent message to the authorizing entity computer or a processing network computer to process the transaction for the value or for less than the value.
5 more elements
Dependencies are inferred from the claim text.