SG11201807901VA - Enabling a secure card on file option for electronic merchant applications - Google Patents

Enabling a secure card on file option for electronic merchant applications

Info

Publication number
SG11201807901VA
SG11201807901VA SG11201807901VA SG11201807901VA SG11201807901VA SG 11201807901V A SG11201807901V A SG 11201807901VA SG 11201807901V A SG11201807901V A SG 11201807901VA SG 11201807901V A SG11201807901V A SG 11201807901VA SG 11201807901V A SG11201807901V A SG 11201807901VA
Authority
SG
Singapore
Prior art keywords
international
g06q
payment
ca
file
Prior art date
Application number
SG11201807901VA
Inventor
Thomas Purves
Jaesung Park
Original Assignee
Visa Int Service Ass
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
Priority to US201662309836P priority Critical
Application filed by Visa Int Service Ass filed Critical Visa Int Service Ass
Priority to PCT/US2017/023048 priority patent/WO2017161321A1/en
Publication of SG11201807901VA publication Critical patent/SG11201807901VA/en

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/385Use of an alias or a single-use code
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
    • G06Q20/367Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes involving intelligent token, e.g. electronic purse
    • G06Q20/3674Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes involving intelligent token, e.g. electronic purse involving authentication
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/405Establishing or using transaction specific rules
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/409Card specific authentication in transaction processing

Abstract

INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property -, Organization MD 1111101110101011111 010111110111011110110111001011101111111011 III International Bureau 0.. .... .. ..... ..or::,„, (10) International Publication Number (43) International Publication Date WO 2017/161321 Al 21 September 2017 (21.09.2017) WIP0 I PCT (51) International Patent Classification: (81) Designated States (unless otherwise indicated, for every G06Q 20/02 (2012.01) G06Q 20/10 (2012.01) kind of national protection available): AE, AG, AL, AM, G06Q 20/04 (2012.01) G06Q 20/40 (2012.01) AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, G06Q 20/08 (2012.01) 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, (21) International Application Number: HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KH, KN, PCT/US2017/023048 KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, (22) International Filing Date: MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, 17 March 2017 (17.03.2017) 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, (25) Filing Language: English TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, (26) Publication Language: English ZA, ZM, ZW. (30) Priority Data: (84) Designated States (unless otherwise indicated, for every 62/309,836 17 March 2016 (17.03.2016) US kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, (71) Applicant: VISA INTERNATIONAL SERVICE ASSO- TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, CIATION [US/US]; P.O. Box 8999, San Francisco, CA TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, 94128 (US). DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, (72) Inventors: PURVES, Thomas; 1 Market Street, Suite 600, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, San Francisco, CA 94105 (US). PARK, Jaesung; 1 Mar- _ ket Street, Suite 600, San Francisco, CA 94105 (US). GW, KM, ML, MR, NE, SN, TD, TG). Published: (74) Agent: SMITH, Andrew, R.; Loeb & Loeb LLP, 321 N. = Clark Street, Suite 2300, Chicago, IL 60654 (US). — with international search report (Art. 21(3)) = = = = (54) Title: ENABLING A SECURE CARD ON FILE OPTION FOR ELECTRONIC MERCHANT APPLICATIONS = = = - - Account Holder Computer Syttem :',) = = - Payment Processing Computer System vas \"---;:' LSO 152 = Control Mo le 114 116 DIP_ 1 i 154 126 10 2 _ 112 8 .g. = 4 11111. 0 Network MarchontE-Commerce Computer System = P ayment Service 118 p E av lectLoo t Ic A0 M 7 , 41 a mt Module AIM* 4 Module Kw' 124 11W j r li 140 .4 Checkout Module li N 11 ,tD FIG. 1 Payment Device li 200 IN 1-1 (57) : The present system may allow a user to transfer data about a transaction card that has been entered in a payment ap - O plication to be \"on file\" with a merchant. As a result, the consumer does not have to enter electronic payment information again as \" the data is transferred from the payment application to the merchant application where the card is then held on file.
SG11201807901VA 2016-03-17 2017-03-17 Enabling a secure card on file option for electronic merchant applications SG11201807901VA (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
US201662309836P true 2016-03-17 2016-03-17
PCT/US2017/023048 WO2017161321A1 (en) 2016-03-17 2017-03-17 Enabling a secure card on file option for electronic merchant applications

Publications (1)

Publication Number Publication Date
SG11201807901VA true SG11201807901VA (en) 2018-10-30

Family

ID=59847533

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11201807901VA SG11201807901VA (en) 2016-03-17 2017-03-17 Enabling a secure card on file option for electronic merchant applications

Country Status (6)

Country Link
US (1) US20170270519A1 (en)
CN (1) CN108780543A (en)
AU (1) AU2017235634A1 (en)
CA (1) CA3013815A1 (en)
SG (1) SG11201807901VA (en)
WO (1) WO2017161321A1 (en)

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6092053A (en) * 1998-10-07 2000-07-18 Cybercash, Inc. System and method for merchant invoked electronic commerce
US7533064B1 (en) * 1998-10-07 2009-05-12 Paypal Inc. E-mail invoked electronic commerce
US10140620B2 (en) * 2011-09-15 2018-11-27 Stephan HEATH Mobile device system and method providing combined delivery system using 3D geo-target location-based mobile commerce searching/purchases, discounts/coupons products, goods, and services, or service providers-geomapping-company/local and socially-conscious information/social networking (“PS-GM-C/LandSC/I-SN”)
US10346838B2 (en) * 2012-07-31 2019-07-09 Worldpay, Llc Systems and methods for distributed enhanced payment processing

Also Published As

Publication number Publication date
CA3013815A1 (en) 2017-09-21
AU2017235634A1 (en) 2018-08-23
CN108780543A (en) 2018-11-09
US20170270519A1 (en) 2017-09-21
WO2017161321A1 (en) 2017-09-21

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