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Method and system for identification of credentials stored in a computing device

A technology for vouchers and receiving devices, which is applied in the field of multiple payment vouchers, and can solve problems such as impossibility, difficulty, and time-consuming

Inactive Publication Date: 2018-08-03
MASTERCARD INT INC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Therefore, it is often difficult and time consuming for a person to configure a computing device to use multiple different payment accounts in a transaction and to select a specific payment account when making a payment
In addition, many financial institutions and other digital entities can provide payment methods to individuals, but may lack the computing infrastructure and technology to support various electronic payments and transfer of payment vouchers
Accordingly, utilizing a computing device to communicate payment credentials for multiple different accounts used in a transaction can be difficult, and in some cases impossible

Method used

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  • Method and system for identification of credentials stored in a computing device
  • Method and system for identification of credentials stored in a computing device
  • Method and system for identification of credentials stored in a computing device

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Embodiment Construction

[0020] Glossary of terms

[0021] Payment Network - A system or network for transferring money by using cash substitutes. Payment networks may use a variety of different protocols and processes to handle money transfers for various types of transactions. Transactions that may be performed through the payment network may include product or service purchases, credit purchases, debit transactions, funds transfers, account withdrawals, and the like. The payment network may be configured to execute transactions through cash substitutes, which may include payment cards, letters of credit, checks, financial accounts, and the like. Examples of networks or systems configured to perform as payment networks include American operating networks or systems. Use of the term "payment network" herein may refer to the payment network as an entity and to the physical payment network, eg, including the payment network's equipment, hardware, and software.

[0022] Transaction Account - ...

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Abstract

A method for identifying payment credentials using a proxy electronic wallet comprises storing an account profile for a proxy electronic wallet that includes payment credentials for one or more payment accounts and account and / or payment credentials payment accounts associated with one or more paired electronic wallets. An account request is received from a digital entity that indicates the account profile, payment account identifiers are transmitted to a user computing device, a selection of a payment account is received from the user computing device, and a corresponding set of credentials in the account profile are identified. The credentials are then transmitted, where payment credentials are transmitted for use in a transaction, and account credentials are transmitted to an entity associated with the paired electronic wallet for use in identifying and providing corresponding payment credentials.

Description

[0001] Cross References to Related Applications [0002] This application claims priority and benefit to US Application Serial No. 14 / 874,834, filed October 5, 2015, which is hereby incorporated by reference in its entirety. technical field [0003] The present disclosure relates to identifying credentials stored in a computing device, and in particular, to identifying one of multiple sets of payment credentials stored in an electronic wallet acting as a proxy for one or more paired electronic wallets. Background technique [0004] As technologies related to computer security, especially the security of data storage and data transmission, have improved, so has the degree of trust that individuals have in computing devices for handling sensitive data. As an alternative to traditional physical means, the use of computing devices to store and transfer data often results in faster and more efficient processes, which can provide additional convenience in an individual's day-to-da...

Claims

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Application Information

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IPC IPC(8): G06Q20/36G06Q20/32G06Q20/38G06Q20/40
CPCG06Q20/3223G06Q20/363G06Q20/4014G06Q20/367G06Q20/3674G06Q20/3821G06Q20/105
Inventor A·德哈拉A·E·J·C·凯特兰德N·伯德E·基钦
Owner MASTERCARD INT INC