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1. (WO2019005308) ONE-TIME VIRTUAL CARD NUMBERS FOR IMMEDIATE INSTALMENT PAYMENTS
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Pub. No.: WO/2019/005308 International Application No.: PCT/US2018/032624
Publication Date: 03.01.2019 International Filing Date: 15.05.2018
IPC:
G06Q 20/38 (2012.01) ,G06Q 20/40 (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
38
Payment protocols; Details thereof
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
40
Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Applicants:
MASTERCARD INTERNATIONAL INCORPORATED [US/US]; 2000 Purchase Street Purchase, NY 10577, US
Inventors:
FREIRE, Ramon; ES
CAVA, Carlos Aguado; ES
SABY, Bertrand; ES
FONSECA, Rui Tomas Pereira Carvalho; ES
Agent:
DOBBYN, Colm J.; US
Priority Data:
17177823.626.06.2017EP
Title (EN) ONE-TIME VIRTUAL CARD NUMBERS FOR IMMEDIATE INSTALMENT PAYMENTS
(FR) NUMÉROS DE CARTE VIRTUELLE À USAGE UNIQUE POUR PAIEMENTS ÉCHELONNÉS IMMÉDIATS
Abstract:
(EN) The present disclosure relates to enabling payment by instalments as desired, on a purchase-by-purchase basis. More specifically, an aspect relates to a computer-implemented method for providing a consumer with the means to set up instalment payments from a pre-existing account to complete a transaction, on request. The method comprises: receiving data indicating a price together with an identifier from a user device; responsive thereto, obtaining one or more sets of instalment conditions and transmitting them to the user device; subsequently receiving a simulation according to one of the sets of instalment conditions from the user device; responsive thereto, obtaining a pre-authorisation of the simulation, obtaining a one-time virtual card number (OTVCN) and transmitting the OTVCN to the user device. Further aspects relate to a computer-readable medium, a computer and a system.
(FR) L'invention concerne la mise en oeuvre d'un paiement échelonné comme souhaité, sur une base achat par achat. Plus spécifiquement, un aspect concerne un procédé mis en oeuvre par ordinateur pour fournir à un consommateur le moyen de mettre en place des paiements échelonnés depuis un compte préexistant pour accomplir une transaction, sur demande. Le procédé consiste: à recevoir des données d'indication de prix accompagnées d'un identifiant provenant d'un dispositif utilisateur; en réponse à celles-ci, obtenir un ou plusieurs ensembles de conditions d'échelonnement et les transmettre au dispositif utilisateur; recevoir ensuite une simulation basée sur l'un des ensembles de conditions d'échelonnement provenant du dispositif utilisateur; en réponse à celle-ci, obtenir une autorisation préalable de la simulation, obtenir un numéro de carte virtuelle à usage unique (OTVCN) et transmettre l'OTVCN au dispositif utilisateur. D'autres aspects concernent un support lisible par ordinateur, un ordinateur et un système.
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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, 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)