DIGITAL WALLET SYSTEM AND METHOD
First Claim
1. A method comprising:
- receiving, at a communication device of a user, a request for payment credentials required to conduct a transaction;
obtaining, by the communication device, the payment credentials, the obtained payment credentials including a digital wallet identifier and at least some of the obtained payment credentials being obtained from a trusted execution environment associated with the communication device; and
providing the obtained payment credentials to an access device associated with a merchant,wherein the access device is configured to initiate the transaction by generating an authorization request message including the payment credentials for onward transmission to an issuer computer.
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Accused Products
Abstract
Embodiments of the present invention provide methods and systems to enable a digital wallet identifier to be present in communications associated with transaction data for transactions that are facilitated by a digital wallet provider. In one embodiment, a communication device of a user receives a request for payment credentials required to conduct a transaction and obtains the payment credentials. The payment credentials include a digital wallet identifier and at least some of the payment credentials are obtained from a trusted execution environment associated with the communication device. The obtained payment credentials are provided to an access device associated with a merchant. The access device is configured to initiate the transaction by generating an authorization request message including the payment credentials for onward transmission to an issuer computer.
289 Citations
22 Claims
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1. A method comprising:
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receiving, at a communication device of a user, a request for payment credentials required to conduct a transaction; obtaining, by the communication device, the payment credentials, the obtained payment credentials including a digital wallet identifier and at least some of the obtained payment credentials being obtained from a trusted execution environment associated with the communication device; and providing the obtained payment credentials to an access device associated with a merchant, wherein the access device is configured to initiate the transaction by generating an authorization request message including the payment credentials for onward transmission to an issuer computer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A communication device having a processor and a computer-readable non-transitory medium coupled to the processor, the computer-readable medium comprising code executable by the processor for implementing a method comprising:
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receiving, at the communication device, a request for payment credentials required to conduct a transaction; obtaining, by the communication device, the payment credentials, the obtained payment credentials including a digital wallet identifier and at least some of the obtained payment credentials being obtained from a trusted execution environment associated with the communication device; and providing the obtained payment credentials to an access device associated with a merchant, wherein the access device is configured to initiate the transaction by generating an authorization request message including the payment credentials for onward transmission to an issuer computer.
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16. A system comprising:
a communication device having a processor and a computer-readable non-transitory medium coupled to the processor, the computer-readable medium comprising code executable by the processor for implementing a method comprising; receiving, at the communication device, a request for payment credentials required to conduct a transaction; obtaining, by the communication device, the payment credentials, the obtained payment credentials including a digital wallet identifier and at least some of the obtained payment credentials being obtained from a trusted execution environment associated with the communication device; and providing the obtained payment credentials to an access device associated with a merchant, wherein the access device is configured to initiate the transaction by generating an authorization request message including the payment credentials for onward transmission to an issuer computer.
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17. A method comprising:
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receiving, at a payment processing network, a request for a digital wallet identifier, the request originating from a digital wallet provider; generating the digital wallet identifier; associating the digital wallet identifier with a digital wallet provider or a digital wallet of a user; and providing the digital wallet identifier to the digital wallet provider, wherein the digital wallet provider causes the digital wallet identifier to be obtainable by a communication device of the user, and wherein the communication device is configured to provide the digital wallet identifier to an access device associated with a merchant for generating an authorization request message including the digital wallet identifier. - View Dependent Claims (18, 19, 22)
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20. A method comprising:
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receiving, by a computer, an authorization request message comprising a transaction amount and a digital wallet identifier for a transaction; extracting, by the computer, the digital wallet identifier; and performing, by the computer, further processing based on the digital wallet identifier. - View Dependent Claims (21)
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Specification