Digital wallet system and method

• US 10,366,387 B2
• Filed: 10/28/2014
• Issued: 07/30/2019
• Est. Priority Date: 10/29/2013
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Aabye, Christian, Weller, Kevin
• Primary Examiner(s): Uber, Nathan C
• Assistant Examiner(s): Ortiz Roman, Denisse Y
• Application Number:
  US14/526,306
• Publication Number:
  US 20150120472A1
• Time in Patent Office: 1,736 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

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.

Claims

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 a primary account number or a payment token, 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 comprising the digital wallet identifier, and the primary account number or the payment token associated with the primary account number 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 comprising the digital wallet identifier, and the primary account number or the payment token, and a data field comprising an indicator that indicates that the digital wallet identifier is present in the authorization request message, and forward the authorization request message to an issuer computer associated with an issuer of the primary account number via a payment processing network, wherein the indicator is used to indicate to at least the issuer computer or the payment processing network that the digital wallet identifier is present in the authorization request message and can be extracted from the authorization request message.

2. The method of claim 1, wherein the communication device is a mobile device, and wherein the access device is a point of sale (POS) device configured to transmit the authorization request message to the issuer computer via an acquirer computer and the payment processing network.

3. The method of claim 1, wherein the digital wallet identifier is a provider-specific digital wallet identifier which identifies a digital wallet provider associated with the transaction.

4. The method of claim 1, wherein the digital wallet identifier is a user-specific digital wallet identifier which identifies a digital wallet of the user.

5. The method of claim 1, wherein the obtained payment credentials include both a provider-specific digital wallet identifier and a user-specific digital wallet identifier, the provider-specific digital wallet identifier identifying a digital wallet provider associated with the transaction and the user-specific digital wallet identifier identifying a digital wallet of the user.

6. The method of claim 1, wherein the access device is configured to format the authorization request message such that the digital wallet identifier is obtainable from the authorization request message by one or more of a merchant computer, an acquirer computer, the payment processing network and the issuer computer.

7. The method of claim 6, wherein the authorization request message is formatted so as to include two separate instances of the digital wallet identifier, a first instance of the digital wallet identifier being included in issuer application data for extraction by the payment processing network or the issuer computer, and a second instance of the digital wallet identifier being provided for extraction by a merchant computer or an acquirer computer.

8. The method of claim 6, wherein the digital wallet identifier is obtainable from the authorization request message for inclusion in a clearing message.

9. The method of claim 1, wherein the digital wallet identifier is used to determine benefits or fees associated with the transaction.

10. The method of claim 1, further including the steps of:

receiving, from a digital wallet provider, the digital wallet identifier; and

storing the digital wallet identifier in the trusted execution environment.

11. The method of claim 1, wherein the communication device is a mobile device, and wherein the trusted execution environment is provided by a secure element on the mobile device.

12. The method of claim 1, wherein the trusted execution environment is provided by a cloud storage.

13. The method of claim 1, wherein the request for payment credentials is received via input from the user to a digital wallet software application of the communication device indicating that a transaction is to be initiated.

14. The method of claim 1, wherein the payment credentials include the payment token instead of Primary Account Number (PAN).

15. The method of claim 1, wherein the payment credentials further comprise an expiration date and a CVV value.

16. The method of claim 1, wherein obtaining, by the communication device, the payment credentials further comprises:

transmitting a request for the digital wallet identifier, wherein the request causes the payment processing network to generate the digital wallet identifier and store the digital wallet identifier in a digital wallet database; and

receiving, by the communication device, the digital wallet identifier.

17. The method of claim 1, wherein the authorization request message including the payment credentials comprising the digital wallet identifier, and the primary account number or the payment token, and a data field comprising an indicator that indicates that the digital wallet identifier is present in the authorization request message, is generated in accordance with an ISO8583 standard dated prior to Oct. 28, 2014.

18. 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 a primary account number or a payment token, 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 comprising the digital wallet identifier, and the primary account number or the payment token associated with the primary account number 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 comprising the digital wallet identifier, and the primary account number or the payment token, and a data field comprising an indicator that indicates that the digital wallet identifier is present is present in the authorization request message, and forward the authorization request message to an issuer computer associated with an issuer of the primary account number via a payment processing network, wherein the indicator is used to indicate to at least the issuer computer or the payment processing network that the digital wallet identifier is present in the authorization request message and can be extracted from the authorization request message.

19. 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 a primary account number or a payment token, 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 comprising the digital wallet identifier, and the primary account number or the payment token associated with the primary account number 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 comprising the digital wallet identifier, and the primary account number or the payment token, and a data field comprising an indicator that the digital wallet identifier is present is present in the authorization request message, and forward the authorization request message to an issuer computer associated with an issuer of the primary account number via a payment processing network, wherein the indicator is used to indicate to at least the issuer computer or the payment processing network that the digital wallet identifier is present in the authorization request message and can be extracted from the authorization request message.

20. The system of claim 19, further comprising the access device.

21. The system of claim 19, further comprising the payment processing network and the issuer computer, the payment processing network and the issuer computer configured to extract the digital wallet identifier from the authorization request message after determining that the indicator is present in the authorization request message.