US 2021/0201210 A1Published application

Booking management system

AssigneeExpedia, Inc.

InventorsSuguna Navin, Wan-Shuan Cheng, Abhishek Skariah, Andrew Lawrence Ebaugh

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Abstract

Secure authentication and delayed transaction processing for booking management systems is provided. Third-party services partner with booking management systems to aggregate and list offerings of the third-party services in a digestible display on a one-stop platform. A booking management system can manage the authentication of payment card information on behalf of any number of such third-party services. The booking management system can maintain and process authentication information associated with traveler payment cards, and provide virtual payment information to the third-party services for delayed transactions. The third-party services may later initiate the delayed transactions using the virtual payment information, without being required to perform authentication processing on the traveler payment card information maintained by the booking management system.

Claims20

Dependent claims

A system comprising one or more computer processors programmed by executable instructions to at least:

receive, from a user device:
a booking request for a third-party service;
and
user card information associated with a user card;
determine, based at least partly on the user card information, that authentication of the user card is required;
initiate a first transaction with a user card transaction processing system based at least partly on the user card information, wherein the first transaction verifies the user card information without initiating a transfer of payment;
cause initiation, by the user card transaction processing system, of at least one security measure in connection with the first transaction;
receive, from the user card transaction processing system, an authentication cryptogram and an authorized transaction identifier, wherein the authentication cryptogram represents satisfaction of the security measure for the first transaction;
obtain virtual card information comprising a card number, an expiration date, and a security code from a virtual card transaction processing system, wherein the virtual card is associated with an account having a zero balance;
send, to the third-party service, the virtual card information and booking information regarding the booking request;
store the user card information, the virtual card information, and authentication information representing the authentication cryptogram and the authorized transaction identifier, wherein the user card information and the authentication information are not sent to the third-party service;
receive, from the third-party service, a request to charge a cancellation penalty and a penalty amount to be charged;
initiate a second transaction with the user card transaction processing system using the user card information and the authentication information, wherein the second transaction comprises transfer of the penalty amount into an account associated with the system;
initiate a third transaction with the virtual card transaction processing system using the virtual card information, wherein the third transaction comprises transfer of the penalty amount from the account associated with the system into the account associated with the virtual card;
and
transmit, to the third-party service, a notification regarding the cancellation penalty.

13 more elements

A computer-implemented method comprising:

under control of a computing system comprising one or more computing devices configured to execute specific instructions,
receiving user card information from a user device;
initiating a first transaction with a user card transaction processing system based at least partly on the user card information, wherein the first transaction verifies the user card information without initiating a transfer of payment;
causing initiation, by the user card transaction processing system, of at least one security measure in connection with the first transaction;
receiving, from the user card transaction processing system, an authentication cryptogram and an authorized transaction identifier, wherein the authentication cryptogram represents satisfaction of the security measure for the first transaction;
storing the user card information and authentication information representing the authentication cryptogram and the authorized transaction identifier on behalf of a third-party service;
and
in response to a delayed transaction request from the third-party service:
retrieving the user card information and at least a portion of the authentication information;
and
initiating a second transaction with the user card transaction processing system, based at least partly on the portion of the authentication information and the user card information that had been stored.

8 more elements

A system comprising:

an authentication information data store;
and
one or more computing devices in communication with the authentication information data store and configured to at least:
receive, from a user device, a first booking request for booking with a third-party service, wherein the first booking request comprises user card information;
obtain authentication information associated with a user-initiated transaction performed using the user card information, wherein the user-initiated transaction includes an interactive authentication procedure between the user device and a user card transaction processing system, and wherein the authentication information represents authentication of a user identity associated with the user card information and confirmed based at least partly on the interactive authentication procedure;
store the authentication information in the authentication information data store;
send a second booking request to the third party-service, wherein the second booking request comprises virtual card information as a substitute for the user card information;
and
in response to a delayed transaction request from the third-party service, initiate a delayed transaction using the user card information stored in the authentication information data store, wherein the delayed transaction uses the authentication information as a substitute for the interactive authentication procedure.

6 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/730,427Filed 30 Dec 2019
Published: 1 Jul 2021
Term ends: Not estimatedThe source records don’t support an estimate.

Classification21 codes

G06Q 10/02
Administration; Management: reservations, e.g. for tickets, services or events
G06Q 10/025
Reservations, e.g. for tickets, services or events: coordination of plural reservations, e.g. plural trip segments, transportation combined with…
G06Q 20/02
Payment architectures, schemes or protocols: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/12
Payment architectures: specially adapted for electronic shopping systems