Patent SG-11201900888Q-A (SG)
Title: Mobile push payments
Inventor: MEANEY ANDREW
IPC: G06Q20/40
Filed: 2017-07-24
Abstract: INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (43) International Publication Date 08 February 2018 (08.02.2018) WIP0 I PCT onion °nolo oliolomu limo ow (10) International Publication Number WO 2018/026552 Al (51) International Patent Classification: G06Q 20/32 (2012.01) G06Q 20/26 (2012.01) GO6Q 20/40 (2012.01) (21) International Application Number: PCT/US2017/043462 (22) International Filing Date: 24 July 2017 (24.07.2017) (25) Filing Language: English (26) Publication Language: English (30) Priority Data: 16182866.0 04 August 2016 (04.08.2016) EP (71) Applicant: MASTERCARD INTERNATIONAL IN- CORPORATED [US/US]; 2000 Purchase Street, Pur- (84) Designated States chase, NY 10577 (US). (72) Inventors: MEANEY, Andrew, K.; 424 West End Av- enue, Apt. 8A, New York, NY 10024 (US). DENIZ, Shane Lansley, Jorge; G-13, Turia Building, The Greens, Al Bar- sha, Dubai, 400 051 (AE). SHAH, Gaurang; 166 Sector 31, Faridabad, Haryana 121003 (IN). ASTHAANA, Pankaj; H-1091, Assotech Springfields, Sector Zeta Greater, Uttar Pradesh, Dubai (AE). (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. (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). = (54) Title: MOBILE PUSH PAYMENTS 300 (57) : There is described herein a method of conducting a mo- bile transaction, comprising: a card processor server receiving an authorisa- tion message from an application programming interface (API) running on a sending institution server, the authorisation message comprising a push code indicating that the transaction should be processed immediately; and the card processor server transmitting a guarantee message to an API running on a receiving institution server, the guarantee message comprising an urgency code indicating that funds should be posted to a merchant's account immedi- ately. There is further described a system comprising a card processor server, an API running on a sending institution server, an API running on a receiv- ing institution server, a consumer mobile user device and a merchant user device, the card processor server being configured to perform the aforemen- tioned method. W O 20 18/0 2655 2 Al 350 FIG. 3 [Continued on next page] WO 2018/026552 Al MIDEDIM01101DEIRDEIO111101011EMEM11111011111110110111111 Published: — with international search report (Art. 21(3))