WO2016040070A3 - Pairing electronic wallet with specified merchants - Google Patents

Pairing electronic wallet with specified merchants Download PDF

Info

Publication number
WO2016040070A3
WO2016040070A3 PCT/US2015/048102 US2015048102W WO2016040070A3 WO 2016040070 A3 WO2016040070 A3 WO 2016040070A3 US 2015048102 W US2015048102 W US 2015048102W WO 2016040070 A3 WO2016040070 A3 WO 2016040070A3
Authority
WO
WIPO (PCT)
Prior art keywords
wallet
cardholder
merchant
token
digital
Prior art date
Application number
PCT/US2015/048102
Other languages
French (fr)
Other versions
WO2016040070A2 (en
Inventor
Scott Moser
Amyn Mohamed DHALA
David James LIM
Ryan Bartholomew Joseph CROWE
Nathaniel David BYRD
Eric Ray KITCHEN
Adam David GLUCK
Prashant SHARMA
Original Assignee
Mastercard International Incorporated
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 claimed from US14/485,139 external-priority patent/US20160078428A1/en
Application filed by Mastercard International Incorporated filed Critical Mastercard International Incorporated
Priority to AU2015315602A priority Critical patent/AU2015315602A1/en
Priority to EP15839282.9A priority patent/EP3192033A4/en
Priority to CA2960704A priority patent/CA2960704C/en
Priority to KR1020177009852A priority patent/KR20170069222A/en
Publication of WO2016040070A2 publication Critical patent/WO2016040070A2/en
Publication of WO2016040070A3 publication Critical patent/WO2016040070A3/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
    • 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
    • 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
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A system and method for facilitating use of a digital electronic wallet by a cardholder for cashless transactions. The method comprises receiving a selection by a first cardholder to pair a first digital wallet held by a first wallet holder with a first merchant, the first digital wallet having therein an electronic representation of at least one payment device usable to fund a cashless transaction, and verifying the cardholder's identity. Thereafter, facilitating a communication between the first cardholder and the first wallet holder to record consent by the first cardholder to share wallet information with the first merchant. The present disclosure further comprises receiving from the first wallet holder authorization to generate a wallet token usable for acquiring wallet information on behalf of the first merchant, using the first digital wallet as selected by the first cardholder, and preparing a merchant token corresponding to the wallet token. The merchant token is provided to the first merchant, for presentation to access wallet information, including payment card information on a cashless transaction.
PCT/US2015/048102 2010-08-12 2015-09-02 Pairing electronic wallet with specified merchants WO2016040070A2 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
AU2015315602A AU2015315602A1 (en) 2010-08-12 2015-09-02 Pairing electronic wallet with specified merchants
EP15839282.9A EP3192033A4 (en) 2014-09-12 2015-09-02 Pairing electronic wallet with specified merchants
CA2960704A CA2960704C (en) 2014-09-12 2015-09-02 Pairing electronic wallet with specified merchants
KR1020177009852A KR20170069222A (en) 2014-09-12 2015-09-02 Pairing electronic wallet with specified merchants

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US14/485,139 US20160078428A1 (en) 2010-08-12 2014-09-12 Pairing electronic wallet with specified merchants
US14/485,139 2014-09-12

Publications (2)

Publication Number Publication Date
WO2016040070A2 WO2016040070A2 (en) 2016-03-17
WO2016040070A3 true WO2016040070A3 (en) 2017-05-11

Family

ID=55483745

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2015/048102 WO2016040070A2 (en) 2010-08-12 2015-09-02 Pairing electronic wallet with specified merchants

Country Status (4)

Country Link
EP (1) EP3192033A4 (en)
KR (1) KR20170069222A (en)
CA (1) CA2960704C (en)
WO (1) WO2016040070A2 (en)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040260647A1 (en) * 2000-09-28 2004-12-23 Microsoft Corporation Method and system for restricting the usage of payment accounts
US20130191227A1 (en) * 2012-01-19 2013-07-25 Mastercard International Incorporated System and method to enable a network of digital wallets
US20140032419A1 (en) * 2012-07-26 2014-01-30 Lisa Anderson Configurable payment tokens
WO2014124485A1 (en) * 2013-02-18 2014-08-21 Touch Networks Australia Pty Ltd Controlling usage of acquirer tokens stored within a merchant system
US20140249948A1 (en) * 2013-03-01 2014-09-04 William Wang Graylin Mobile checkout systems and methods

Family Cites Families (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
SG187832A1 (en) * 2010-08-12 2013-03-28 Mastercard International Inc Multi-commerce channel wallet for authenticated transactions
US10275764B2 (en) * 2012-05-04 2019-04-30 Mastercard International Incorporated Transaction data tokenization

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040260647A1 (en) * 2000-09-28 2004-12-23 Microsoft Corporation Method and system for restricting the usage of payment accounts
US20130191227A1 (en) * 2012-01-19 2013-07-25 Mastercard International Incorporated System and method to enable a network of digital wallets
US20140032419A1 (en) * 2012-07-26 2014-01-30 Lisa Anderson Configurable payment tokens
WO2014124485A1 (en) * 2013-02-18 2014-08-21 Touch Networks Australia Pty Ltd Controlling usage of acquirer tokens stored within a merchant system
US20140249948A1 (en) * 2013-03-01 2014-09-04 William Wang Graylin Mobile checkout systems and methods

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP3192033A4 *

Also Published As

Publication number Publication date
EP3192033A2 (en) 2017-07-19
CA2960704C (en) 2019-05-07
EP3192033A4 (en) 2018-04-11
CA2960704A1 (en) 2016-03-17
KR20170069222A (en) 2017-06-20
WO2016040070A2 (en) 2016-03-17

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