PAIRING ELECTRONIC WALLET WITH SPECIFIED MERCHANTS

Title:

PAIRING ELECTRONIC WALLET WITH SPECIFIED MERCHANTS

Document Type and Number:

WIPO Patent Application WO/2016/040070

Kind Code:

A3

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.

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Inventors:

MOSER SCOTT (US)
DHALA AMYN MOHAMED (US)
LIM DAVID JAMES (US)
CROWE RYAN BARTHOLOMEW JOSEPH (US)
BYRD NATHANIEL DAVID (US)
KITCHEN ERIC RAY (US)
GLUCK ADAM DAVID (US)
SHARMA PRASHANT (SG)

Application Number:

PCT/US2015/048102

Publication Date:

May 11, 2017

Filing Date:

September 02, 2015

Export Citation:

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Assignee:

MASTERCARD INTERNATIONAL INC (US)
MOSER SCOTT (US)
DHALA AMYN MOHAMED (US)
LIM DAVID JAMES (US)
CROWE RYAN BARTHOLOMEW JOSEPH (US)
BYRD NATHANIEL DAVID (US)
KITCHEN ERIC RAY (US)
GLUCK ADAM DAVID (US)
SHARMA PRASHANT (SG)

International Classes:

G06Q20/36; G06Q30/06

Domestic Patent References:

WO2014124485A1

2014-08-21

Foreign References:

US20130191227A1	2013-07-25
US20040260647A1	2004-12-23
US20140032419A1	2014-01-30
US20140249948A1	2014-09-04

Other References: