Patent SG-11201900180T-A (SG)
Title: Faster digital wallet processing
Inventor: SABY BERTRAND
IPC: G06Q20/36
Filed: 2017-07-24
Abstract: INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property MD HIM 0 11101 HOE HI 1 0 0111E011 OH OH OH OINIO ill 011 Organization International Bureau (10) International Publication Number (43) International Publication Date ......0\"\" WO 2018/031222 Al 15 February 2018 (15.02.2018) W I PO I PCT (51) International Patent Classification: (72) Inventors: SABY, Bertrand; Calle Atocha 80-6d, Madrid G06Q 20/36 (2012.01) G06Q 20/32 (2012.01) 28012 (ES). FREIRE, Ramon; Calle Azalea, 701, Al- (21) International Application Number: cobendas, Madrid 28109 (ES). PCT/US2017/043451 (74) Agent: DOBBYN, Colm J.; Mastercard International In- (22) International Filing Date: corporated, 2000 Purchase Street, Purchase, NY 10577 24 July 2017 (24.07.2017) (US). (25) Filing Language: English (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, (26) Publication Language: English AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, (30) Priority Data: CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, 16183885.9 11 August 2016 (11.08.2016) EP DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, 15/643,853 07 July 2017 (07.07.2017) US 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, (71) Applicant: MASTERCARD INTERNATIONAL IN- MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, CORPORATED [US/US]; 2000 Purchase Street, Pur- OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, chase, NY 10577 (US). (54) Title: FASTER DIGITAL WALLET PROCESSING 301 302 =o = = = = = = r= = 310 380 390 370 320 305 HCLA 341:\\ 50 330 360 304 FIG. 3 ,-1 (57) : The present disclosure relates to increasing the speed of usage of digital wallets. A method of processing a digital wallet N transaction comprises: receiving a transaction authorisation request message comprising a transaction value and payment credentials for ei el a holding credit line; and responsive thereto, comparing the transaction value to the holding credit line's current balance. A method of - conducting a digital wallet transaction comprises: in response to receiving a push notification of a transaction approval indicating that a C holding credit line balance is determined to be equal to or to exceed a transaction value, presenting a digital wallet holder with a plurality --.... of funding options for the transaction. The holding credit line balance is the sum of a plurality of account balances for a plurality of * 1 : accounts associated with the digital wallet. The funding options comprise funding the transaction from one or more of those accounts. 1-1 0 ei O [Continued on next page] WO 2018/031222 Al OII 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. (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))