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    • 2. 发明申请
    • INTEGRATED ONLINE AND OFFLINE PURCHASE AUTHORIZATION
    • 集成在线和离线购买授权
    • US20140379580A1
    • 2014-12-25
    • US14312371
    • 2014-06-23
    • Square, Inc.
    • Ajit Kalidindi VarmaJoseph Loree RobinsonJesse ReissAndrew Lin
    • G06Q20/40
    • G06Q20/409G06Q10/087G06Q30/06
    • Method, systems, and apparatus for integrated online and offline purchase authorization. A card risk management system uses data of past transactions to expedite subsequent transactions. The data of past transactions can include records of past authorization, at a physical store, a purchase transaction by a buyer using a purchase card. The system records information on the purchase card and a user name, as provided by the user at the physical store, for authorizing the purchase transaction. A subsequent transaction can be an online transaction, by an online user having an online user account. The system can match the user name and the online user account in a unified authorization data store. If the match is successful, and upon determining that a purchase card used in the online transaction is the same as used in the physical store, the card risk management system can expedite authorization of the online purchase.
    • 集成在线和离线购买授权的方法,系统和设备。 卡片风险管理系统使用过去交易的数据来加快后续交易。 过去交易的数据可以包括过去授权记录,实体店,买方使用购买卡的购买交易。 系统记录购买卡上的信息和用户在实体店提供的授权购买交易的用户名。 随后的交易可以是具有在线用户帐户的在线用户的在线交易。 该系统可以在统一的授权数据存储中匹配用户名和在线用户帐号。 如果匹配成功,并且在确定在线交易中使用的购买卡与实体商店中使用的购买卡相同时,卡风险管理系统可以加速在线购买的授权。