Patent SG-11201908473Y-A (SG)
Title: Improved digital commerce with consumer controlled payment part
Inventor: MALHOTRA SANDEEP
IPC: G06Q20/24
Filed: 2018-05-03
Abstract: Consumer0 Merchant f Server 3 r Merchant 0 CD Website Shopping Cart Items 32- 36 Acquirer Acquirer Server 57- FIG. 3 (12) INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (43) International Publication Date 22 November 2018 (22.11.2018) WIPO I PCT iiimmomiolollmonoloololo111111111flovoimIE (10) International Publication Number WO 2018/213006 Al (51) International Patent Classification: G06Q 20/24 (2012.01) (21) International Application Number: PCT/US2018/030792 (22) International Filing Date: 03 May 2018 (03.05.2018) (25) Filing Language: English (26) Publication Language: English (30) Priority Data: 15/597,557 17 May 2017 (17.05.2017) US (71) Applicant: MASTERCARD INTERNATIONAL IN- CORPORATED [US/US]; 2000 Purchase Street, Pur- chase, NY 10577 (US). (72) Inventor: MALHOTRA, Sandeep; 26 Annjim Drive, Greenwich, CT 06830 (US). (74) Agent: DOBBYN, Colm, J.; Mastercard International In- corporated, 2000 Purchase Street, Purchase, NY 10577 (US). (81) Designated States (unless otherwise indicated, for every kind of national protection available): 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. (54) Title: IMPROVED DIGITAL COMMERCE WITH CONSUMER CONTROLLED PAYMENT PART Shopping Part (57) : An improved digital commerce transaction in which the shopping part and the payment part are separated in time, and the timing of the payment part is controlled by the consumer. A consumer completes the shopping part, checks out, and receives confirmation from the merchant that the transaction has been completed. For consumer's having a risk profile with the merchant, the merchant fulfills the order and ships the items prior to the consumer initiating the payment part. For consumer's not having a risk profile, initiation of the payment part is controlled by the consumer, at a time and place of his/her choosing. After checking-out, the consumer receives a message that includes an invoice and a link selectable by the consumer. When the consumer selects the link, he/she begins the payment part of the transaction. [Continued on next page] WO 2018/213006 Al MUNRO DOI 01011ME101001101111111110111EH0IS (84) Designated States (unless otherwise indicated, for every kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (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), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Published: — with international search report (Art. 21(3))