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1. WO2019060045 - DIGITAL ENABLEMENT SERVICES FOR MERCHANT QR CODES

Publication Number WO/2019/060045
Publication Date 28.03.2019
International Application No. PCT/US2018/044497
International Filing Date 31.07.2018
IPC
G06Q 20/20 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
20Payment architectures, schemes or protocols
08Payment architectures
20Point-of-sale network systems
G06Q 20/32 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
32using wireless devices
G06Q 20/36 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
36using electronic wallets or electronic money safes
CPC
G06Q 20/20
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
08Payment architectures
20Point-of-sale [POS] network systems
G06Q 20/204
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
08Payment architectures
20Point-of-sale [POS] network systems
204comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
G06Q 20/3276
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
32using wireless devices
327Short range or proximity payments by means of M-devices
3276using a pictured code, e.g. barcode or QR-code, being read by the M-device
G06Q 20/363
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
36using electronic wallets or electronic money safes
363with the personal data files for a user
G06Q 20/3674
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
36using electronic wallets or electronic money safes
367involving intelligent token, e.g. electronic purse
3674involving authentication
G06Q 20/4014
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
401Transaction verification
4014Identity check for transaction
Applicants
  • MASTERCARD INTERNATIONAL INCORPORATED [US]/[US]
Inventors
  • GOLDSCHMIDT, David
Agents
  • DOBBYN, Colm, J.
Priority Data
15/709,98620.09.2017US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) DIGITAL ENABLEMENT SERVICES FOR MERCHANT QR CODES
(FR) SERVICES D'ACTIVATION NUMÉRIQUE POUR CODES QR DE COMMERÇANT
Abstract
(EN)
Methods, apparatus and systems for providing merchant quick response (QR) code services. In an embodiment, a digital enablement services (DES) computer receives a request for a merchant quick-response (QR) code from a merchant acquirer financial institution (FI) computer. The DES computer then determines that the merchant is registered and that the merchant's payment account number data falls within a qualifying bank identification number (BIN) range for tokenization. The DES computer then generates a merchant token by tokenizing the merchant payment account number, transmits merchant identification data and the merchant token to a QR code creator computer, receives a merchant QR code that includes the merchant identification information data and the merchant token, and then transmits the merchant QR code to the merchant acquirer FI computer for provision to the merchant to enable merchant QR code purchase transactions.
(FR)
L'invention concerne des procédés, un appareil et des systèmes permettant de fournir des services de code de réponse rapide (QR) de commerçant. Dans un mode de réalisation, un ordinateur de services d'activation numérique (DES) reçoit une demande pour un code de réponse rapide (QR) de commerçant provenant d'un ordinateur d'institution financière (FI) acquéreuse de commerçant. L'ordinateur DES détermine ensuite que le commerçant est enregistré et que les données de numéro de compte de paiement du commerçant entrent dans une plage de numéros d'identification de banque (BIN) de qualification pour une segmentation en jetons. L'ordinateur DES produit ensuite un jeton de commerçant en segmentant en jetons le numéro de compte de paiement de commerçant, transmet des données d'identification de commerçant et le jeton de commerçant à un ordinateur créateur de code QR, reçoit un code QR de commerçant qui comprend les données d'informations d'identification de commerçant et le jeton de commerçant et transmet ensuite le code QR de commerçant à l'ordinateur de FI acquéreuse de commerçant pour fourniture au commerçant afin de permettre des transactions d'achat de code QR de commerçant.
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