公开(公告)号：US20160078428A1

公开(公告)日：2016-03-17

申请号：US14485139

申请日：2014-09-12

Applicant: MasterCard International Incorporated

Inventor： Scott Moser ,  Amyn Mohamed Dhala ,  David James Lim ,  Ryan Bartholomew Joseph Crowe ,  Nathaniel David Byrd ,  Eric Ray Kitchen ,  Adam David Gluck ,  Prashant Sharma

IPC: G06Q20/36

CPC classification number: G06Q20/4014 ,  G06Q20/105 ,  G06Q20/227 ,  G06Q20/3223 ,  G06Q20/351 ,  G06Q20/36 ,  G06Q20/363 ,  G06Q20/367 ,  G06Q20/3674 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4012 ,  H04L63/10

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.

Abstract translation: 一种促进持卡人使用数字电子钱包进行无现金交易的系统和方法。 该方法包括接收第一持卡人的选择以将由第一钱包持有者所持有的第一数字钱包与第一商家进行配对，该第一数字钱包具有可用于资助无现金交易的至少一个支付装置的电子表示，以及 验证持卡人的身份。 此后，促进第一持卡人和第一钱夹持有人之间的通信，以记录第一持卡人与第一商人共享钱包信息的同意。 本公开还包括从第一钱包持有人授权，使用由第一持卡人选择的第一数字钱包生成可用于代表第一商家获取钱包信息的钱包令牌，以及准备对应于该钱包的商家令牌 令牌 将商家令牌提供给第一商家，以便呈现以访问钱包信息，包括关于无现金交易的支付卡信息。