Patent SG-11201900685Y-A (SG)
Title: System and method for token-based transactions
Inventor: UPPALAPATI GAUTAM
IPC: G06Q20/38
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 15 February 2018 (15.02.2018) WIP0 I PCT omit VIII °nolo III ll VIII VIII VIII mono oimIE (10) International Publication Number WO 2018/031223 Al (51) International Patent Classification: G06Q 20/38 (2012.01) (21) International Application Number: PCT/US2017/043454 (22) International Filing Date: 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. (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. 2 I (3)) 24 July 2017 (24.07.2017) (25) Filing Language: English (26) Publication Language: English (30) Priority Data: 15/231,978 09 August 2016 (09.08.2016) US (71) Applicant: MASTERCARD INTERNATIONAL IN- CORPORATED [US/US]; 2000 Purchase Street, Pur- chase, NY 10577 (US). (72) Inventors: UPPALAPATI, Gautam; 236 Mystic Cove, O'Fallon, MO 63368 (US). ANDERSON, Joshua, Nathan; 2 Wolf Creek Trail, St. Peters, MO 63376 (US). SE- BASTIAN, Smita; 11365 Mormarte Lane, St. Louis, MO 63146 (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, W O 20 18/03 1223 Al (54) Title: SYSTEM AND METHOD FOR TOKEN-BASED TRANSACTIONS (57) : Provided are a system and methods for reducing the amount of payment information stored by a merchant. In one exam- ple, a method includes receiving payment card information of a card- holder from a payment information receiving module displayed in a web browser of a computing device, generating a token for the pay- ment card information received from the payment information re- ceiving module, and transmitting the generated token to a merchant 140 server for a transaction between the merchant and the cardholder. Ac- cording to various aspects, the payment information receiving mod- ule is displayed in the web browser of the computing device in re- sponse to a merchant website being displayed therein, and the pay- ment card information is received by the payment processing serv- er, from the payment information receiving module, without being 110 stored by the computing device and without passing through the mer- chant server. Payment Processor Web Server FIG. 1A 120 Merchant Server Payment Processor