BR112023024142A2 - INSTANT DIGITAL ISSUANCE - Google Patents

INSTANT DIGITAL ISSUANCE

Info

Publication number
BR112023024142A2
BR112023024142A2 BR112023024142A BR112023024142A BR112023024142A2 BR 112023024142 A2 BR112023024142 A2 BR 112023024142A2 BR 112023024142 A BR112023024142 A BR 112023024142A BR 112023024142 A BR112023024142 A BR 112023024142A BR 112023024142 A2 BR112023024142 A2 BR 112023024142A2
Authority
BR
Brazil
Prior art keywords
user
payment
wallet
issuer
payment source
Prior art date
Application number
BR112023024142A
Other languages
Portuguese (pt)
Inventor
Sridher Swaminathan
Vijay Royyuru
Original Assignee
First Data Corp
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 First Data Corp filed Critical First Data Corp
Publication of BR112023024142A2 publication Critical patent/BR112023024142A2/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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • 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
    • G06Q20/36—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
    • G06Q20/30—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
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3672—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes initialising or reloading thereof
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Abstract

emissão digital instantânea. são descritas na presente invenção técnicas para facilitar provisionamento por push de uma fonte de pagamento de usuário na carteira digital de um usuário sem que o usuário tenha um cartão físico. as técnicas permitem que um emissor proveja um botão em uma aplicação de emissor para que o usuário simplesmente pressione o botão para solicitar que a fonte de pagamento seja importada para uma carteira de pagamento ou um comerciante. desse modo, as informações de fonte de pagamento são empurradas para a carteira de pagamento. usando provisionamento por push, o usuário não precisa inserir quaisquer informações de cartão físico. as técnicas descritas geram uma cadeia de confiança que pode ser usada para garantir que um usuário, através de um emissor e usando um gateway, autorize um provedor de serviço de token a provisionar a fonte de pagamento na carteira de pagamento ou comerciante.instant digital emission. Described in the present invention are techniques for facilitating push provisioning of a user payment source into a user's digital wallet without the user having a physical card. The techniques allow an issuer to provide a button in an issuer application for the user to simply press the button to request that the payment source be imported into a payment wallet or merchant. This way, the payment source information is pushed to the payment wallet. Using push provisioning, the user does not need to enter any physical card information. The techniques described generate a chain of trust that can be used to ensure that a user, through an issuer and using a gateway, authorizes a token service provider to provision the payment source in the payment wallet or merchant.

BR112023024142A 2021-05-19 2021-05-19 INSTANT DIGITAL ISSUANCE BR112023024142A2 (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/US2021/033110 WO2022245343A1 (en) 2021-05-19 2021-05-19 Instant digital issuance

Publications (1)

Publication Number Publication Date
BR112023024142A2 true BR112023024142A2 (en) 2024-01-30

Family

ID=76444591

Family Applications (1)

Application Number Title Priority Date Filing Date
BR112023024142A BR112023024142A2 (en) 2021-05-19 2021-05-19 INSTANT DIGITAL ISSUANCE

Country Status (6)

Country Link
EP (1) EP4341880A1 (en)
AU (1) AU2021446327A1 (en)
BR (1) BR112023024142A2 (en)
CA (1) CA3220470A1 (en)
CO (1) CO2023015584A2 (en)
WO (1) WO2022245343A1 (en)

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU2014292980A1 (en) * 2013-07-24 2016-02-04 Visa International Service Association Systems and methods for interoperable network token processing
WO2017160877A1 (en) * 2016-03-14 2017-09-21 Mozido, Inc. Technical architecture supporting tokenized payments
US11580531B2 (en) * 2017-08-25 2023-02-14 Mastercard International Incorporated Systems and methods for minimizing user interactions for cardholder authentication
US20190385164A1 (en) * 2018-06-18 2019-12-19 First Data Corporation Instant digital issuance
US11748744B2 (en) * 2019-04-03 2023-09-05 First Data Corporation Source independent consistent tokenization

Also Published As

Publication number Publication date
CO2023015584A2 (en) 2024-02-05
AU2021446327A1 (en) 2023-12-07
EP4341880A1 (en) 2024-03-27
CA3220470A1 (en) 2022-11-24
WO2022245343A1 (en) 2022-11-24

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