PULL AND PUSH SYSTEM FOR X-PAY DIGITAL WALLETS

FIG100 PULL OR Code (51) International Patent Classification: G06Q 20/32 (2012.01) (21) International Application Number: PCT/US2018/024005 (22) International Filing Date: 23 March 2018 (23.03.2018) (25) Filing Language: English (26) Publication Language: English (30) Priority Data: 62/476,971 27 March 2017 (27.03.2017) US 62/534,734 20 July 2017 (20.07.2017) US (71) Applicant: MASTERCARD INTERNATIONAL IN- CORPORATED [US/US]; 2000 Purchase Street, Pur- chase, NY 10577 (US). (72) Inventors: LISCIA, Maurice, David; 4821 5th Street, Apt 1B, Long Island City, NY 11101 (US). HAGMEIER, Shawn, Eric; 510 Greenbriar Downs Drive, St. Peters, MO 63376 (US). LAKKA, Sowmya, Reddy; 17637 Lasian- dra Drive, Wildwood, MO 63005 (US). FOUREZ, Pablo; 9 Sycamore Lane, White Plains, NY 10605 (US). CAR- DONE, Gerardo; 780 Davis Avenue, Staten Island, NY 10310 (US). (74) Agent: DOBBYN, Colm, J.; Mastercard International In- corporated, 2000 Purchase Street, Purchase, NY 10577 (US). (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, (54) Title: PULL AND PUSH SYSTEM FOR X-PAY DIGITAL WALLETS Send Request Mobile Device 110 (Digital Wallet) P 4 Z Payment Network 150 0 - el Payment Network 150 Sponsor System 120 Sending Issuer 130 0\" 15) PUSH 1-1 co O co 00 O O (12) INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (43) International Publication Date 04 October 2018 (04.10.2018) WIPO I PCT Receiving Issuer 140 (57) : Provided are systems and methods for extending QR and person-to-person based digital wallet payments to non-issuer digital wallets. In one example, the method may include receiving a send request to send payment from a sending account of a digital wallet to a receiving account, executing an authentication protocol between the mobile device and an issuer of the sending account, pulling the requested payment from the issuer of the sending account to the sponsor system, where the pulling shifts a liability of a chargeback to the issuer of the sending account, and pushing the requested payment from the sponsor system to an issuer of the receiving account. In addition, if the merchant is a QR merchant, a met