Patent SG-11201807901V-A (SG)
Title: Enabling a secure card on file option for electronic merchant applications
Inventor: PURVES THOMAS
IPC: G06Q20/04
Filed: 2017-03-17
Abstract: INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property -, Organization MD 1111101110101011111 010111110111011110110111001011101111111011 III International Bureau 0.. .... .. ..... ..or::,„, (10) International Publication Number (43) International Publication Date WO 2017/161321 Al 21 September 2017 (21.09.2017) WIP0 I PCT (51) International Patent Classification: (81) Designated States (unless otherwise indicated, for every G06Q 20/02 (2012.01) G06Q 20/10 (2012.01) kind of national protection available): AE, AG, AL, AM, G06Q 20/04 (2012.01) G06Q 20/40 (2012.01) AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, G06Q 20/08 (2012.01) 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, (21) International Application Number: HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KH, KN, PCT/US2017/023048 KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, (22) International Filing Date: MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, 17 March 2017 (17.03.2017) 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, (25) Filing Language: English TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, (26) Publication Language: English ZA, ZM, ZW. (30) Priority Data: (84) Designated States (unless otherwise indicated, for every 62/309,836 17 March 2016 (17.03.2016) US kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, (71) Applicant: VISA INTERNATIONAL SERVICE ASSO- TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, CIATION [US/US]; P.O. Box 8999, San Francisco, CA TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, 94128 (US). DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, (72) Inventors: PURVES, Thomas; 1 Market Street, Suite 600, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, San Francisco, CA 94105 (US). PARK, Jaesung; 1 Mar- _ ket Street, Suite 600, San Francisco, CA 94105 (US). GW, KM, ML, MR, NE, SN, TD, TG). Published: (74) Agent: SMITH, Andrew, R.; Loeb & Loeb LLP, 321 N. = Clark Street, Suite 2300, Chicago, IL 60654 (US). — with international search report (Art. 21(3)) = = = = (54) Title: ENABLING A SECURE CARD ON FILE OPTION FOR ELECTRONIC MERCHANT APPLICATIONS = = = - - Account Holder Computer Syttem :',) = = - Payment Processing Computer System vas \"---;:' LSO 152 = Control Mo le 114 116 DIP_ 1 i 154 126 10 2 _ 112 8 .g. = 4 11111. 0 Network MarchontE-Commerce Computer System = P ayment Service 118 p E av lectLoo t Ic A0 M 7 , 41 a mt Module AIM* 4 Module Kw' 124 11W j r li 140 .4 Checkout Module li N 11 ,tD FIG. 1 Payment Device li 200 IN 1-1 (57) : The present system may allow a user to transfer data about a transaction card that has been entered in a payment ap - O plication to be \"on file\" with a merchant. As a result, the consumer does not have to enter electronic payment information again as \" the data is transferred from the payment application to the merchant application where the card is then held on file.