SG11201811658YA - Data sharing with card issuer via wallet app in payment-enabled mobile device - Google Patents

Data sharing with card issuer via wallet app in payment-enabled mobile device

Info

Publication number
SG11201811658YA
SG11201811658YA SG11201811658YA SG11201811658YA SG11201811658YA SG 11201811658Y A SG11201811658Y A SG 11201811658YA SG 11201811658Y A SG11201811658Y A SG 11201811658YA SG 11201811658Y A SG11201811658Y A SG 11201811658YA SG 11201811658Y A SG11201811658Y A SG 11201811658YA
Authority
SG
Singapore
Prior art keywords
international
payment
mobile device
transaction
merchant
Prior art date
Application number
SG11201811658YA
Inventor
Simon Phillips
James Anderson
Original Assignee
Mastercard International Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Mastercard International Inc filed Critical Mastercard International Inc
Publication of SG11201811658YA publication Critical patent/SG11201811658YA/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4015—Transaction verification using location information
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Information Retrieval, Db Structures And Fs Structures Therefor (AREA)

Abstract

AuthenticationServer Payment Network Issuer FIG. 2 204 I Provisioning j L_ ‘, 202 Mobile Device 206 ‘, 208 POS/ Payment Processor 103 0 co O co O C (12) INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (43) International Publication Date 01 February 2018 (01.02.2018) WIP0 I PCT 01E1010 0111onoloo 111 oi omom OH OH CIO 1111101 oil (10) International Publication Number WO 2018/022218 Al (51) International Patent Classification: G06Q 20/22 (2012.01) G06Q 20/36 (2012.01) GO6Q 20/32 (2012.01) (21) International Application Number: PCT/US2017/038223 (22) International Filing Date: 20 June 2017 (20.06.2017) (25) Filing Language: English (26) Publication Language: English (30) Priority Data: 62/368,269 29 July 2016 (29.07.2016) US (71) Applicant: MASTERCARD INTERNATIONAL IN- CORPORATED [US/US]; 2000 Purchase Street, Pur- chase, NY 10577 (US). (72) Inventors: PHILLIPS, Simon; 17 Clifton Green, York Y030 6NL (GB). ANDERSON, James, John; 171 North 10th Street, Apt 7A, Brooklyn, NY 11211 (US). (74) Agent: DOBBYN, Colm, J.; Mastercard International In- corporated, 2000 Purchase Street, Purchase, NY 10577 (US). (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (84) Designated States (unless otherwise indicated, for every kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, (54) Title: DATA SHARING WITH CARD ISSUER VIA WALLET APP IN PAYMENT-ENABLED MOBILE DEVICE (57) : A payment-enabled mobile device runs a merchant wallet application. The mobile device engages in a transaction with the merchant at the point of sale. Transaction detail data is transmitted from the wallet application to a transaction authentication server. The transaction detail data includes details of the transaction. A response message from the authentication server is received by the payment-enabled mobile device. Payment credential information is made available to a POS terminal operated by the merchant and/ or to a payment processor acting for the merchant. [Continued on next page] WO 2018/022218 Al MIDEDIMOMOMIMMOIHEMOHOHMOMMI MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Published: — with international search report (Art. 21(3))
SG11201811658YA 2016-07-29 2017-06-20 Data sharing with card issuer via wallet app in payment-enabled mobile device SG11201811658YA (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201662368269P 2016-07-29 2016-07-29
PCT/US2017/038223 WO2018022218A1 (en) 2016-07-29 2017-06-20 Data sharing with card issuer via wallet app in payment-enabled mobile device

Publications (1)

Publication Number Publication Date
SG11201811658YA true SG11201811658YA (en) 2019-01-30

Family

ID=59227957

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11201811658YA SG11201811658YA (en) 2016-07-29 2017-06-20 Data sharing with card issuer via wallet app in payment-enabled mobile device

Country Status (6)

Country Link
US (1) US20180032996A1 (en)
CN (2) CN117829833A (en)
AU (1) AU2017302266A1 (en)
CA (1) CA3031923A1 (en)
SG (1) SG11201811658YA (en)
WO (1) WO2018022218A1 (en)

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US11481760B2 (en) * 2019-06-07 2022-10-25 Jpmorgan Chase Bank, N.A. Systems and methods for push provisioning of a financial instrument to an electronic device from a browser
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Also Published As

Publication number Publication date
CN109564659B (en) 2024-01-30
WO2018022218A1 (en) 2018-02-01
CA3031923A1 (en) 2018-02-01
AU2017302266A1 (en) 2019-01-17
US20180032996A1 (en) 2018-02-01
CN109564659A (en) 2019-04-02
CN117829833A (en) 2024-04-05

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