A method and apparatus for performing request conversion between a card payment processing company and a digital wallet, and a computer system.

The integration of card payment and digital wallet systems through request conversion allows for seamless cross-border payments using digital wallets, addressing the challenge of differing payment systems and ensuring a consistent user experience.

JP2026116789APending Publication Date: 2026-07-13ADVANCED NOVA TECH (SINGAPORE) HLDG PTE LTD
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Patent Information

Application Number
JP2025188482
Authority / Receiving Office
JP · JP
Patent Type
Applications
Current Assignee / Owner
Priority Date
2024-12-31
Filing Date
2025-11-07
Publication Date
2026-07-13

AI Technical Summary

Technical Problem

Differences in payment systems and financial infrastructures across countries and regions create challenges for seamless cross-border and international payments, particularly when digital wallets are not supported by acquiring terminals, leading to inconvenience for users.

Method used

A method and apparatus for converting requests between a card payment agent and a digital wallet, integrating two different payment flows to enable seamless payments using a digital wallet even in regions that only support card payments, without altering the conventional flow process or request format of either system.

Benefits of technology

Enables users to make payments using a digital wallet across different regions with a consistent experience, eliminating the need for cash transactions and ensuring smooth cross-border payments without requiring additional card applications.

✦ Generated by Eureka AI based on patent content.

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Abstract

The present invention provides a method and apparatus for performing request conversion between a card payment processing company and a digital wallet, as well as a computer system for this purpose. [Solution] Embodiments of this specification disclose a method, apparatus and computer system for performing request conversion between a card payment service provider and a digital wallet. The method is performed by a processing system and includes: first receiving a first request from a card payment service provider, including a transaction ID and a first token for an outstanding transaction, for requesting a suspension of authorization for funds; second determining a first account in a first digital wallet corresponding to the first token; and subsequently sending a second request to the first digital wallet, including the transaction ID and the first account.
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