SG11201900888QA - Mobile push payments - Google Patents

Mobile push payments

Info

Publication number
SG11201900888QA
SG11201900888QA SG11201900888QA SG11201900888QA SG11201900888QA SG 11201900888Q A SG11201900888Q A SG 11201900888QA SG 11201900888Q A SG11201900888Q A SG 11201900888QA SG 11201900888Q A SG11201900888Q A SG 11201900888QA SG 11201900888Q A SG11201900888Q A SG 11201900888QA
Authority
SG
Singapore
Prior art keywords
international
card processor
server
message
institution server
Prior art date
Application number
SG11201900888QA
Inventor
Andrew Meaney
Shane Lansley Deniz
Gaurang Shah
Pankaj Asthaana
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 SG11201900888QA publication Critical patent/SG11201900888QA/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
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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
    • G06Q20/30—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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • 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
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP

Abstract

INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (43) International Publication Date 08 February 2018 (08.02.2018) WIP0 I PCT onion °nolo oliolomu limo ow (10) International Publication Number WO 2018/026552 Al (51) International Patent Classification: G06Q 20/32 (2012.01) G06Q 20/26 (2012.01) GO6Q 20/40 (2012.01) (21) International Application Number: PCT/US2017/043462 (22) International Filing Date: 24 July 2017 (24.07.2017) (25) Filing Language: English (26) Publication Language: English (30) Priority Data: 16182866.0 04 August 2016 (04.08.2016) EP (71) Applicant: MASTERCARD INTERNATIONAL IN- CORPORATED [US/US]; 2000 Purchase Street, Pur- (84) Designated States chase, NY 10577 (US). (72) Inventors: MEANEY, Andrew, K.; 424 West End Av- enue, Apt. 8A, New York, NY 10024 (US). DENIZ, Shane Lansley, Jorge; G-13, Turia Building, The Greens, Al Bar- sha, Dubai, 400 051 (AE). SHAH, Gaurang; 166 Sector 31, Faridabad, Haryana 121003 (IN). ASTHAANA, Pankaj; H-1091, Assotech Springfields, Sector Zeta Greater, Uttar Pradesh, Dubai (AE). (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. (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, 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). = (54) Title: MOBILE PUSH PAYMENTS 300 (57) : There is described herein a method of conducting a mo- bile transaction, comprising: a card processor server receiving an authorisa- tion message from an application programming interface (API) running on a sending institution server, the authorisation message comprising a push code indicating that the transaction should be processed immediately; and the card processor server transmitting a guarantee message to an API running on a receiving institution server, the guarantee message comprising an urgency code indicating that funds should be posted to a merchant's account immedi- ately. There is further described a system comprising a card processor server, an API running on a sending institution server, an API running on a receiv- ing institution server, a consumer mobile user device and a merchant user device, the card processor server being configured to perform the aforemen- tioned method. W O 20 18/0 2655 2 Al 350 FIG. 3 [Continued on next page] WO 2018/026552 Al MIDEDIM01101DEIRDEIO111101011EMEM11111011111110110111111 Published: — with international search report (Art. 21(3))
SG11201900888QA 2016-08-04 2017-07-24 Mobile push payments SG11201900888QA (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
EP16182866.0A EP3279847A1 (en) 2016-08-04 2016-08-04 Mobile push payments
PCT/US2017/043462 WO2018026552A1 (en) 2016-08-04 2017-07-24 Mobile push payments

Publications (1)

Publication Number Publication Date
SG11201900888QA true SG11201900888QA (en) 2019-02-27

Family

ID=56609719

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11201900888QA SG11201900888QA (en) 2016-08-04 2017-07-24 Mobile push payments

Country Status (7)

Country Link
US (1) US20180039972A1 (en)
EP (1) EP3279847A1 (en)
CN (1) CN109690595B (en)
BR (1) BR112019002116A2 (en)
MX (1) MX2019001435A (en)
SG (1) SG11201900888QA (en)
WO (1) WO2018026552A1 (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11551250B2 (en) * 2019-05-01 2023-01-10 Mastercard International Incorporated Payment processing system for applying merchant promotions to a push payment transaction

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US7225156B2 (en) * 2001-07-11 2007-05-29 Fisher Douglas C Persistent dynamic payment service
EP2008237A4 (en) * 2006-03-30 2009-03-18 Obopay Inc Mobile person-to-person payment system
US20070244811A1 (en) * 2006-03-30 2007-10-18 Obopay Inc. Mobile Client Application for Mobile Payments
US8290865B2 (en) * 2009-02-06 2012-10-16 Visa International Service Association Push payment system and method including billing file exchange
WO2011103520A1 (en) * 2010-02-18 2011-08-25 Bling Nation, Ltd. Automated transaction system and settlement processes
WO2012073014A1 (en) * 2010-11-29 2012-06-07 Mobay Technologies Limited A system for verifying electronic transactions
AU2012217606A1 (en) * 2011-02-16 2013-05-09 Visa International Service Association Snap mobile payment apparatuses, methods and systems
US8714439B2 (en) * 2011-08-22 2014-05-06 American Express Travel Related Services Company, Inc. Methods and systems for contactless payments at a merchant
US20130073460A1 (en) * 2011-09-15 2013-03-21 Microsoft Corporation Enabling paid-for exchange of identity attributes with minimal disclosure credentials
US20140136354A1 (en) * 2012-11-08 2014-05-15 Heartland Payment Systems, Inc. Mobile payment transaction processing via unattended terminal
US20140214649A1 (en) * 2013-01-25 2014-07-31 Brian J. DuCharme Pay to any account service
KR101517515B1 (en) * 2013-02-04 2015-05-04 주식회사 케이비데이타시스템 System and method for instant payment using quick response code
CN105264558A (en) * 2013-04-04 2016-01-20 维萨国际服务协会 Method and system for conducting pre-authorized financial transactions
US9363259B2 (en) * 2013-05-23 2016-06-07 Symantec Corporation Performing client authentication using onetime values recovered from barcode graphics
WO2015013548A1 (en) * 2013-07-24 2015-01-29 Visa International Service Association Systems and methods for interoperable network token processing
KR20140099814A (en) * 2013-12-17 2014-08-13 주식회사 케이비데이타시스템 System and method for instant payment using quick response code
EP3170292B1 (en) * 2014-07-15 2022-03-30 Assa Abloy Ab Cloud card application platform
US20160239837A1 (en) * 2015-02-18 2016-08-18 Apriva, Llc Method and system for facilitating a payment transaction with a mobile payment server
US20170300881A1 (en) * 2015-03-23 2017-10-19 Early Warning Services, Llc Secure electronic billing and collection with real-time funds availability
US20170011404A1 (en) * 2015-07-10 2017-01-12 Dyron Clower Instant funds availablity risk assessment system and method
US20180216946A1 (en) * 2016-09-30 2018-08-02 Mamadou Mande Gueye Method and system for facilitating provisioning of social activity data to a mobile device based on user preferences

Also Published As

Publication number Publication date
MX2019001435A (en) 2019-07-04
BR112019002116A2 (en) 2019-05-14
CN109690595A (en) 2019-04-26
US20180039972A1 (en) 2018-02-08
WO2018026552A1 (en) 2018-02-08
EP3279847A1 (en) 2018-02-07
CN109690595B (en) 2024-02-13

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