WIPO logo
Mobile | Deutsch | Español | Français | 日本語 | 한국어 | Português | Русский | 中文 | العربية |
PATENTSCOPE

Search International and National Patent Collections
World Intellectual Property Organization
Options
Query Language
Stem
Sort by:
List Length
Some content of this application is unavailable at the moment.
If this situation persist, please contact us atFeedback&Contact
1. (WO2018038847) METHOD FOR MANAGING FUNDS TRANSFERAL
Latest bibliographic data on file with the International Bureau    Submit observation

Pub. No.: WO/2018/038847 International Application No.: PCT/US2017/043665
Publication Date: 01.03.2018 International Filing Date: 25.07.2017
IPC:
G06Q 20/36 (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
30
characterised by the use of specific devices
36
using electronic wallets or electronic money safes
Applicants: MASTERCARD INTERNATIONAL INCORPORATED[US/US]; 2000 Purchase Street Purchase, NY 10577, US
Inventors: PAREEK, Ravi; IN
Agent: DOBBYN, Colm, J.; US
Priority Data:
10201607113X25.08.2016SG
Title (EN) METHOD FOR MANAGING FUNDS TRANSFERAL
(FR) PROCÉDÉ PERMETTANT DE GÉRER UN TRANSFERT DE FONDS
Abstract:
(EN) Disclosed is a method for managing funds transferal. The method uses a settlement engine that receives a payment vehicle identifier by which a payment vehicle can be identified, the payment vehicle comprising an available account balance, transaction details of a purchase transaction, the transaction details including a transaction value and a merchant identifier of a merchant with whom the purchase transaction is being made, and a merchant wallet identifier by which a merchant virtual wallet can be identified, the merchant virtual wallet being associated with the merchant identifier. The method further includes sending from the payment vehicle to the settlement engine a first amount that is less than or equal to the transaction value, if the transaction value does not exceed the available account balance, and sending from the settlement engine to the merchant virtual wallet a second amount that is less than or equal to the first amount
(FR) La présente invention concerne un procédé permettant de gérer un transfert de fonds. Le procédé utilise un moteur de règlement qui reçoit un identifiant de véhicule de paiement au moyen duquel un véhicule de paiement peut être identifié, le véhicule de paiement comprenant un solde de compte disponible, des détails de transaction d'une transaction d'achat, les détails de transaction comprenant une valeur de transaction et un identifiant de commerçant d'un commerçant avec lequel la transaction d'achat est réalisée, et un identifiant de portefeuille de commerçant au moyen duquel un portefeuille virtuel de commerçant peut être identifié, le portefeuille virtuel de commerçant étant associé à l'identifiant de commerçant. Le procédé consiste en outre à envoyer depuis le véhicule de paiement au moteur de règlement un premier montant qui est inférieur ou égal à la valeur de transaction, si la valeur de transaction ne dépasse pas le solde de compte disponible, et à envoyer depuis le moteur de règlement au portefeuille virtuel de commerçant un second montant qui est inférieur ou égal au premier montant.
front page image
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, JO, 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)