SG11201908385WA - Pull and push system for x-pay digital wallets - Google Patents
Pull and push system for x-pay digital walletsInfo
- 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
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))
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 (7)
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 |
Family Cites Families (7)
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 |
US20130110658A1 (en) * | 2011-05-05 | 2013-05-02 | 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 |
SG11201600520QA (en) * | 2013-07-24 | 2016-02-26 | Visa Int Service Ass | Systems and methods for communicating risk using token assurance data |
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 |
-
2018
- 2018-03-23 SG SG11201908385W patent/SG11201908385WA/en unknown
- 2018-03-23 CN CN201880021793.1A patent/CN110462661B/en active Active
- 2018-03-23 RU RU2019134208A patent/RU2727150C1/en active
- 2018-03-23 SG SG10202111921XA patent/SG10202111921XA/en unknown
- 2018-03-23 WO PCT/US2018/024005 patent/WO2018183108A1/en active Application Filing
- 2018-03-27 US US15/936,890 patent/US20180276658A1/en not_active Abandoned
Also Published As
Publication number | Publication date |
---|---|
CN110462661B (en) | 2023-12-05 |
WO2018183108A1 (en) | 2018-10-04 |
CN110462661A (en) | 2019-11-15 |
US20180276658A1 (en) | 2018-09-27 |
SG10202111921XA (en) | 2021-12-30 |
RU2727150C1 (en) | 2020-07-21 |
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