SG11201908385WA - Pull and push system for x-pay digital wallets - Google Patents

Pull and push system for x-pay digital wallets

Info

Publication number
SG11201908385WA
SG11201908385WA SG11201908385WA SG11201908385WA SG 11201908385W A SG11201908385W A SG 11201908385WA SG 11201908385W A SG11201908385W A SG 11201908385WA SG 11201908385W A SG11201908385W A SG 11201908385WA
Authority
SG
Singapore
Prior art keywords
issuer
international
pull
account
digital wallet
Prior art date
Application number
Inventor
Maurice Liscia
Shawn Hagmeier
Sowmya Lakka
Pablo Fourez
Gerardo Cardone
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 SG11201908385WA publication Critical patent/SG11201908385WA/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
    • G06Q20/08—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
    • G06Q20/30—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]
    • G06Q20/3223—Realising banking transactions through 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
    • G06Q20/327—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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Pharmaceuticals Containing Other Organic And Inorganic Compounds (AREA)

Abstract

FIG100 PULL OR Code (51) International Patent Classification: G06Q 20/32 (2012.01) (21) International Application Number: PCT/US2018/024005 (22) International Filing Date: 23 March 2018 (23.03.2018) (25) Filing Language: English (26) Publication Language: English (30) Priority Data: 62/476,971 27 March 2017 (27.03.2017) US 62/534,734 20 July 2017 (20.07.2017) US (71) Applicant: MASTERCARD INTERNATIONAL IN- CORPORATED [US/US]; 2000 Purchase Street, Pur- chase, NY 10577 (US). (72) Inventors: LISCIA, Maurice, David; 4821 5th Street, Apt 1B, Long Island City, NY 11101 (US). HAGMEIER, Shawn, Eric; 510 Greenbriar Downs Drive, St. Peters, MO 63376 (US). LAKKA, Sowmya, Reddy; 17637 Lasian- dra Drive, Wildwood, MO 63005 (US). FOUREZ, Pablo; 9 Sycamore Lane, White Plains, NY 10605 (US). CAR- DONE, Gerardo; 780 Davis Avenue, Staten Island, NY 10310 (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, (54) Title: PULL AND PUSH SYSTEM FOR X-PAY DIGITAL WALLETS Send Request Mobile Device 110 (Digital Wallet) P 4 Z Payment Network 150 0 - el Payment Network 150 Sponsor System 120 Sending Issuer 130 0\" 15) PUSH 1-1 co O co 00 O O (12) INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (43) International Publication Date 04 October 2018 (04.10.2018) WIPO I PCT Receiving Issuer 140 (57) : Provided are systems and methods for extending QR and person-to-person based digital wallet payments to non-issuer digital wallets. In one example, the method may include receiving a send request to send payment from a sending account of a digital wallet to a receiving account, executing an authentication protocol between the mobile device and an issuer of the sending account, pulling the requested payment from the issuer of the sending account to the sponsor system, where the pulling shifts a liability of a chargeback to the issuer of the sending account, and pushing the requested payment from the sponsor system to an issuer of the receiving account. In addition, if the merchant is a QR merchant, a method may include accessing the PAN and merchant info from the QR code to process a pull/push transaction using non-issuer digital wallet credentials from contactless tap. loiim °nolo VIII VIII 01°111E11°11E10 I III (10) International Publication Number WO 2018/183108 Al [Continued on next page] WO 2018/183108 Al MIDEDIMOMOIDEIREEMOMEIMMOIDIMMERMS 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, 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))
SG11201908385W 2017-03-27 2018-03-23 Pull and push system for x-pay digital wallets SG11201908385WA (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US201762476971P 2017-03-27 2017-03-27
US201762534734P 2017-07-20 2017-07-20
PCT/US2018/024005 WO2018183108A1 (en) 2017-03-27 2018-03-23 Pull and push system for x-pay digital wallets

Publications (1)

Publication Number Publication Date
SG11201908385WA true SG11201908385WA (en) 2019-10-30

Family

ID=61913663

Family Applications (2)

Application Number Title Priority Date Filing Date
SG11201908385W SG11201908385WA (en) 2017-03-27 2018-03-23 Pull and push system for x-pay digital wallets
SG10202111921XA SG10202111921XA (en) 2017-03-27 2018-03-23 Pull and push system for x-pay digital wallets

Family Applications After (1)

Application Number Title Priority Date Filing Date
SG10202111921XA SG10202111921XA (en) 2017-03-27 2018-03-23 Pull and push system for x-pay digital wallets

Country Status (5)

Country Link
US (1) US20180276658A1 (en)
CN (1) CN110462661B (en)
RU (1) RU2727150C1 (en)
SG (2) SG11201908385WA (en)
WO (1) WO2018183108A1 (en)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10880288B2 (en) * 2018-06-05 2020-12-29 The Toronto-Dominion Bank Methods and systems for controlling access to a protected resource
US11551250B2 (en) 2019-05-01 2023-01-10 Mastercard International Incorporated Payment processing system for applying merchant promotions to a push payment transaction
US11354646B2 (en) * 2019-10-10 2022-06-07 Mastercard International Incorporated Methods and systems for supporting QR code transactions
US11514412B2 (en) * 2019-12-17 2022-11-29 Mastercard International Incorporated Systems and methods for real time data rich cross border payment transactions
US11631070B2 (en) * 2020-01-24 2023-04-18 Visa International Service Association System, method, and computer program product for processing a transaction as a push payment transaction
US11457011B2 (en) * 2020-06-29 2022-09-27 Capital One Services, Llc Using receipts for multifactor authentication
RU2761419C1 (en) * 2020-11-11 2021-12-08 Акционерное общество "Национальная система платежных карт" Method and system for transferring monetary funds from account to account
US20240054471A1 (en) * 2022-08-12 2024-02-15 Mastercard International Incorporated System and method for providing push payment transaction processing in a card-present environment

Family Cites Families (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
IL120585A0 (en) * 1997-04-01 1997-08-14 Teicher Mordechai Countable electronic monetary system and method
US20070125838A1 (en) * 2005-12-06 2007-06-07 Law Eric C W Electronic wallet management
WO2012151590A2 (en) * 2011-05-05 2012-11-08 Transaction Network Services, Inc. Systems and methods for enabling mobile payments
KR20140003840A (en) * 2012-06-29 2014-01-10 주식회사 케이티 Method and system for financial transaction
US20150006385A1 (en) * 2013-06-28 2015-01-01 Tejas Arvindbhai Shah Express transactions on a mobile device
AU2014292980A1 (en) * 2013-07-24 2016-02-04 Visa International Service Association Systems and methods for interoperable network token processing
CN104392355A (en) * 2014-11-14 2015-03-04 青岛龙泰天翔通信科技有限公司 Electronic payment method being high in safety

Also Published As

Publication number Publication date
CN110462661B (en) 2023-12-05
SG10202111921XA (en) 2021-12-30
CN110462661A (en) 2019-11-15
WO2018183108A1 (en) 2018-10-04
RU2727150C1 (en) 2020-07-21
US20180276658A1 (en) 2018-09-27

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