JP6238971B2 - ウォレット入会のための方法及びシステム - Google Patents
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Description
本出願は、2012年5月24日に申請された米国仮特許出願第61/651,193号の非仮出願であり、上記米国仮特許出願に対して利益及び優先を主張するものであり、その内容全体がすべての目的のため本明細書において参照により援用される。
Claims (19)
- デジタルウォレット登録を行う方法であって、
取引ポイントから、ユーザの支払いデバイスに関連付けられた情報を受信するステップと、
前記取引ポイントから、ユーザ連絡先選好に関連付けられた情報を受信するステップと、
前記ユーザによる使用のためにデジタルウォレットを供給するステップと、
前記デジタルウォレットに関連付けられた情報を、前記ユーザ連絡先選好を用いて前記ユーザに送信するステップと、
を含む方法。 - ユーザの支払いデバイスに関連付けられた前記情報は、取引ポイントデバイスにおいて取引の間に取得された情報である、請求項1に記載の方法。
- 前記取引ポイントから、前記デジタルウォレットを供給するために前記支払いデバイスに関連付けられた前記情報を利用するためにユーザ承諾を受信するステップ、
をさらに含む請求項1に記載の方法。 - 前記ユーザ連絡先選好に関連付けられた前記情報と前記ユーザ承諾とは、前記取引ポイントから単一メッセージの中で受信される、請求項3に記載の方法。
- 前記ユーザ連絡先選好は携帯電話番号であり、前記デジタルウォレットに関連付けられた情報を前記ユーザに送信するステップは、(i)前記ユーザにテキストメッセージを送信するステップと(ii)前記ユーザに電話をかけるステップとのうち少なくとも1つをさらに含む、請求項1に記載の方法。
- ユーザの支払いデバイスに関連付けられた前記情報は、(i)前記支払いデバイスの磁気ストライプと(ii)前記支払いデバイスのメモリチップとのうち少なくとも1つから読み取られたデータである、請求項1に記載の方法。
- 前記ユーザによる使用のためにデジタルウォレットを供給するステップは、
プロキシ識別子を前記ユーザの前記支払いデバイスに割り当てるステップと、
前記支払いデバイスに関連付けられた前記情報を、前記プロキシ識別子によって識別可能な安全なデータストアに記憶するステップと、
前記プロキシ識別子を前記デジタルウォレットに割り当てるステップと、
をさらに含む、請求項1に記載の方法。 - 前記ユーザによる使用のためにデジタルウォレットを供給するステップは、
前記ユーザの前記支払いデバイスに関連付けられた画像を識別するステップと、
前記画像を前記デジタルウォレットに割り当てるステップと、
をさらに含む、請求項7に記載の方法。 - 前記ユーザの前記支払いデバイスに関連付けられた前記画像は、(i)前記支払いデバイスの発行者のロゴ、(ii)前記支払いデバイスの支払いネットワークのロゴ、(iii)支払いカードグラフィックの画像、のうち少なくとも1つである、請求項8に記載の方法。
- 前記取引ポイントにおける取引は、支払いデバイスに関連付けられた前記情報を、取引データと共に、前記取引の承認のために支払いアカウントの発行者に送ることを含む、請求項1に記載の方法。
- ウォレット入会を処理する方法であって、
取引ポイントデバイスにおいてモバイルウォレットの要求を識別するステップと、
消費者の連絡先情報を受信するステップと、
前記消費者に、読み取られるべき支払いカードを提示するように促すステップと、
前記支払いカードからデータを受信すると、モバイルウォレットインストールメッセージを前記消費者に送信するステップと、
を含む方法。 - 前記取引ポイントデバイスは、タッチスクリーンディスプレイを有するタブレットコンピュータを含む、請求項11に記載の方法。
- 登録デバイスから顧客の連絡先情報と支払いアカウントデータとを含むウォレット登録要求データを受信する通信デバイスと、
プログラム命令を実行するコンピュータプロセッサと、
前記コンピュータプロセッサに結合されたメモリであって、前記コンピュータプロセッサによる実行のために、
前記顧客の連絡先情報と前記支払いアカウントデータとに関連付けられたデジタルウォレットを作成するステップと、
前記デジタルウォレットに関連付けられた情報を前記顧客の連絡先情報を用いて前記顧客に送信するステップと、
のプログラム命令を記憶する、メモリと、
を含むデジタルウォレット入会システム。 - 前記支払いアカウントデータは、加盟店販売ポイントにおいて顧客によって提示された支払いカードから読み取られたデータである、請求項13に記載のデジタルウォレット入会システム。
- 前記支払いアカウントデータは磁気ストライプトラックデータである、請求項14に記載のデジタルウォレット入会システム。
- 前記顧客の連絡先情報は、加盟店店舗において販売ポイントデバイスと通信する入会デバイスにおいて取得される、請求項13に記載のデジタルウォレット入会システム。
- 前記デジタルウォレットを作成するステップは、
前記顧客による使用のためにモバイルウォレットアプリケーションを供給するステップ、
をさらに含む、請求項13に記載のデジタルウォレット入会システム。 - 前記デジタルウォレットに関連付けられた情報を前記顧客に送信するステップは、
前記モバイルウォレットアプリケーションをモバイルデバイスにインストールするために前記顧客が使用可能な情報を送信するステップ、
をさらに含む、請求項17に記載のデジタルウォレット入会システム。 - 前記コンピュータプロセッサによる実行のために、
前記顧客から、前記デジタルウォレットを更新するように追加情報を受信するステップ、
のプログラム命令をさらに記憶する、請求項13に記載のデジタルウォレット入会システム。
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EP (1) | EP2856407A4 (ja) |
JP (1) | JP6238971B2 (ja) |
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EP2856407A4 (en) | 2015-12-23 |
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US20160239818A1 (en) | 2016-08-18 |
JP2015523640A (ja) | 2015-08-13 |
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US10387862B2 (en) | 2019-08-20 |
WO2013177548A1 (en) | 2013-11-28 |
AU2019200260A1 (en) | 2019-01-31 |
EP2856407A1 (en) | 2015-04-08 |
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