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SG10201701688PA - Electronic system and method for processing merchandise purchase transactions - Google Patents

Electronic system and method for processing merchandise purchase transactions

Info

Publication number
SG10201701688PA
SG10201701688PASG10201701688PASG10201701688PASG10201701688PASG 10201701688P ASG10201701688P ASG 10201701688PASG 10201701688P ASG10201701688P ASG 10201701688PASG 10201701688P ASG10201701688P ASG 10201701688PASG 10201701688P ASG10201701688P ASG 10201701688PA
Authority
SG
Singapore
Prior art keywords
merchant
consumer
merchandise
transferring
cost
Prior art date
Application number
SG10201701688PA
Inventor
Gupta Sudhir
Original Assignee
Mastercard International Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Mastercard International IncfiledCriticalMastercard International Inc
Priority to SG10201701688PApriorityCriticalpatent/SG10201701688PA/en
Priority to US15/899,944prioritypatent/US20180253722A1/en
Publication of SG10201701688PApublicationCriticalpatent/SG10201701688PA/en

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Abstract

ELECTRONICSYSTEM AND METHOD FOR PROCESSING MERCHANDISE PURCHASE TRANSACTIONS The present disclosure generally relates to an electronic system and method for processing a merchandise purchase transaction between a merchant and a consumer. The system comprises a server communicatively linked to a payment network, the server configured for performing steps of the method, comprising: receiving, from a digital wallet of the consumer, transaction data comprising identification data of the merchant, data on cost of the merchandise, and details of a consumer payment instrument linked to the digital wallet; determining, from a consumer database, a purchase credit line availed to the consumer by a financial loan instrument linked to the server; determining a loan amount from the purchase credit line to offset the merchandise cost; retrieving, from a merchant database, details of a financial account of the merchant based on the merchant identification data; and transferring the merchandise cost via the payment network to the merchant financial account, comprising: transferring the merchandise cost less the loan amount from the consumer payment instrument; and transferring the loan amount from the financial loan instrument; and communicating a reservation message to the merchant to reserve the merchandise for the consumer for a predefined time period. FIG. 30
SG10201701688PA2017-03-022017-03-02Electronic system and method for processing merchandise purchase transactionsSG10201701688PA (en)

Priority Applications (2)

Application NumberPriority DateFiling DateTitle
SG10201701688PASG10201701688PA (en)2017-03-022017-03-02Electronic system and method for processing merchandise purchase transactions
US15/899,944US20180253722A1 (en)2017-03-022018-02-20Electronic System and Method for Processing Merchandise Purchase Transactions

Applications Claiming Priority (1)

Application NumberPriority DateFiling DateTitle
SG10201701688PASG10201701688PA (en)2017-03-022017-03-02Electronic system and method for processing merchandise purchase transactions

Publications (1)

Publication NumberPublication Date
SG10201701688PAtrue SG10201701688PA (en)2018-10-30

Family

ID=63355136

Family Applications (1)

Application NumberTitlePriority DateFiling Date
SG10201701688PASG10201701688PA (en)2017-03-022017-03-02Electronic system and method for processing merchandise purchase transactions

Country Status (2)

CountryLink
US (1)US20180253722A1 (en)
SG (1)SG10201701688PA (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication numberPriority datePublication dateAssigneeTitle
IT202100005714A1 (en)*2021-03-112022-09-11Corner Banca Sa METHOD AND SYSTEM FOR PROVIDING PURCHASE PROPOSALS AND PERSONALIZED AND/OR AUTOMATED PAYMENT SERVICES

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Publication numberPriority datePublication dateAssigneeTitle
US11095456B2 (en)2019-05-242021-08-17Bank Of America CorporationDistributed tiered data exchanges within a blockchain network
CN111199484B (en)*2019-12-312023-09-26东莞盟大集团有限公司Block chain technology-based settlement method and device, equipment and storage medium
US20220207520A1 (en)*2020-12-282022-06-30Paypal, Inc.Systems and methods for managing electronic transactions

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Publication numberPriority datePublication dateAssigneeTitle
JP3660101B2 (en)*1996-11-142005-06-15松下電器産業株式会社 Personal electronic payment system
EP0950968A4 (en)*1997-08-132004-05-19Matsushita Electric Industrial Co Ltd MOBILE ELECTRONIC COMMERCE SYSTEM
WO2009124262A1 (en)*2008-04-042009-10-08MetabankSystem, program product and method for performing an incremental automatic credit line draw using a prepaid card
WO2011103520A1 (en)*2010-02-182011-08-25Bling Nation, Ltd.Automated transaction system and settlement processes
EP2649745A4 (en)*2010-12-102014-05-07Electronic Payment ExchangeTokenized contactless payments for mobile devices
AU2012261904A1 (en)*2011-06-032013-11-28Visa International Service AssociationVirtual wallet card selection apparatuses, methods and systems
US20140279469A1 (en)*2013-03-122014-09-18Carta Worldwide Inc.System and method for mobile transaction payments
WO2015039254A1 (en)*2013-09-202015-03-26Lucova Inc.Systems and methods for facilitating mobile commerce interactions between customers and merchants
US10078835B2 (en)*2014-03-052018-09-18Mastercard International IncorporatedAuthentication token for wallet based transactions
US20160371771A1 (en)*2015-06-162016-12-22BitPagos, Inc.Loan processing service utilizing a distributed ledger digital asset
JP2017027498A (en)*2015-07-272017-02-02東芝テック株式会社 Payment apparatus, payment system, and program
US11170365B2 (en)*2016-10-192021-11-09Visa International Service AssociationDigital wallet merchant-specific virtual payment accounts

Cited By (1)

* Cited by examiner, † Cited by third party
Publication numberPriority datePublication dateAssigneeTitle
IT202100005714A1 (en)*2021-03-112022-09-11Corner Banca Sa METHOD AND SYSTEM FOR PROVIDING PURCHASE PROPOSALS AND PERSONALIZED AND/OR AUTOMATED PAYMENT SERVICES

Also Published As

Publication numberPublication date
US20180253722A1 (en)2018-09-06

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