System und Verfahren zur Sicherung der Zahlungsabsicht und Optimierung der Wertspeicherauswahl

Details

Veröffentlichungs-Nr.

EP4726636

Anmeldetag

14. Juli 2025

Veröffentlichung

15. April 2026

Rechtsraum

EP

IPC

G06Q30/0601, // G06Q90/00

Abstract

Conventional payment systems require payers to select the payment instrument first and then authorize payments. The payer cannot change payment instrument post authorizing payment as authorization is specific to a value store. The system and method of the present disclosure enables a payment method to be payment instrument/value store agnostic, so that payer gets more flexibility in terms of selecting which value store(s) to use for authorization but not necessarily for honoring the payment. This gives the payer the required flexibility to swap value store(s) post initial authorization but before settlement basis better informed decision by means of recommendations. Similarly on the payee's side, the payee has limited or no visibility of value store until payer presents it for payment. The system and method of the present disclosure gives an added opportunity to the payee to influence payer's selection of value store(s) post initial authorization but before settlement.

Anmelder

Firma

Tata Consultancy Services Limited

Land

🇮🇳 Indien