Using a consumer digital wallet as a payment method in a merchant digital wallet
US11151547B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Sep 20, 2017 |
| Grant date | Oct 19, 2021 |
| Priority date | — |
| Expiry date | Nov 13, 2039 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/4016
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A system is configured to perform operations that include receiving a purchase request to use a consumer digital wallet account of a user to pay for an item sold by a merchant, the consumer digital wallet account being included as a payment method in a merchant digital wallet account provided by the merchant to the user. The operations further include generating a single-use payment token based on a non-transactable token. Additionally, the operations include transmitting, to an existing card payment network, a card transaction message that includes the single-use payment token, the single-use payment token causing the existing card payment network to route the card transaction message back to the system. The operations also include causing payment to be remitted from the user to the merchant using a payment method included in the consumer digital wallet account.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.