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1. (WO2017192220) METHOD AND SYSTEM FOR INSTANTANEOUS PAYMENT USING RECORDED GUARANTEES
Latest bibliographic data on file with the International Bureau    Submit observation

Pub. No.: WO/2017/192220 International Application No.: PCT/US2017/024424
Publication Date: 09.11.2017 International Filing Date: 28.03.2017
IPC:
G06Q 20/06 (2012.01) ,G06Q 20/36 (2012.01) ,G06Q 20/38 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
04
Payment circuits
06
Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
30
characterised by the use of specific devices
36
using electronic wallets or electronic money safes
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
Applicants:
MASTERCARD INTERNATIONAL INCORPORATED [US/US]; 2000 Purchase Street Purchase, NY 10577, US
Inventors:
ROHLFING, Joan, Lee; US
DAVIS, Steven, Charles; US
Agent:
DOBBYN, Colm, J.; US
Priority Data:
15/148,12106.05.2016US
Title (EN) METHOD AND SYSTEM FOR INSTANTANEOUS PAYMENT USING RECORDED GUARANTEES
(FR) PROCÉDÉ ET SYSTÈME DE PAIEMENT INSTANTANÉ À L’AIDE DE GARANTIES ENREGISTRÉES
Abstract:
(EN) A method for processing a guaranteed electronic transaction, includes: storing account profile, each include an account number and balance; receiving a transaction message from an acquiring financial institution via a payment network, the message including a specific account number, transaction amount, and payment guarantee data; identifying a specific account profile that includes the specific account number; deducting the transaction amount from the account balance in the specific account profile; generating a record of payment guarantee that includes the transaction amount and data associated with the payment guarantee data; generating a return message including a response code indicating transaction approval and data associated with the generated record; transmitting the generated record to a computing system via a communication network; and transmitting the generated return message to the acquiring financial institution via the payment network.
(FR) La présente invention concerne un procédé de traitement d’une transaction électronique garantie. Ledit procédé comprend les étapes consistant à : stocker un profil de compte qui comprend un numéro et un bilan de compte ; recevoir un message de transaction en provenance d’une institution financière acquéreuse via un réseau de paiement, le message comportant un numéro de compte spécifique, un montant de la transaction et des données de garantie de paiement ; identifier un profil de compte spécifique qui comprend le numéro de compte spécifique ; déduire le montant de la transaction d’après le bilan de compte dans le profil de compte spécifique ; générer un enregistrement de garantie de paiement qui comprend le montant de la transaction et des données associées aux données de garantie de paiement ; générer un message de retour comprenant un code de réponse indiquant une approbation de la transaction et des données associées à l’enregistrement généré ; transmettre l’enregistrement généré à un système informatique via un réseau de communication ; et transmettre le message de retour à l’institution financière acquéreuse via le réseau de paiement.
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Designated States: 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, JP, KE, KG, KH, KN, KP, 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
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (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)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)