System and method for administering a user account

Patent metadata

Field	Value
Publication number	US-2018293572-A1
Application number	US-201815941684-A
Country	US
Kind code	A1
Filing date	Mar 30, 2018
Priority date	Apr 10, 2017
Publication date	Oct 11, 2018
Grant date	—

Abstract

A system and a method for administering a user account are provided. The system includes at least one processor, and at least one memory including computer program code. The at least one memory and the computer program code are configured to, with the at least one processor, cause the system at least to receive from a device, a user account identifier, receive from a merchant device, a credit request including a merchant identifier and a credit amount, determine based on the user account identifier, at least one digital wallet associated with the user account identifier, and determine an amount of points to be credited to the user account associated with the at least one digital wallet, the user account being determined according to the user account identifier and the merchant identifier, and the amount of points being determined in response to the credit amount.

First claim

1 . A system configured to administer a user account, the system comprising:
at least one processor; and at least one memory including computer program code; the at least one memory and the computer program code configured to, with the at least one processor, cause the system at least to: receive, from a device, a user account identifier; receive, from a merchant device, a credit request comprising a merchant identifier and a credit amount; determine, based on the user account identifier, at least one digital wallet associated with the user account identifier; and determine an amount of points to be credited to the user account associated with the at least one digital wallet, the user account being determined according to the user account identifier and the merchant identifier, and the amount of points being determined in response to the credit amount.

2 . The system of claim 1 , wherein the system is further configured to:
receive a user selection of the at least one digital wallet and/or the user account.

3 . The system of claim 1 , wherein the system is further configured to credit the determined points to the user account.

4 . The system of claim 3 , wherein determining the amount of points to be credited, further comprising the system is configured to:
send a verification request to the device, the verification request requesting a verification input; receive the verification input in response to the verification request from the device; and compare the received verification input with registration data that has been registered for the at least one digital wallet and/or the user account; wherein the step of crediting the determined points to the user account is performed in response to a result of the comparison step.

5 . The system of claim 4 , wherein receiving the verification input, further comprising the system is configured to:
receive the verification input from the merchant device, the verification input comprising any one or more of: a user identification code and a one-time password generated by the device using at least the user account identifier.

6 . The system of claim 4 , wherein the system is configured to credit the determined points to the user account responsive to the received verification input matching the registration data.

7 . The system of claim 4 , wherein the system is further configured to send a failure message to a device responsive to the received verification input not matching the registration data.

8 . The system of claim 1 , wherein the system is further configured to transmit a credit message to the device, the credit message indicative of the points credited to the user account.

9 . A method for administering a user account, the method comprising:
receiving, from a device, a user account identifier; receiving, from a merchant device, a credit request comprising a merchant identifier and a credit amount; determining, based on the user account identifier, at least one digital wallet associated with the user account identifier; and determining an amount of points to be credited to the user account associated with the at least one digital wallet, the user account being determined according to the user account identifier and the merchant identifier, and the amount of points being determined in response to the credit amount.

10 . The method of claim 9 , further comprising receiving a user selection of the at least one digital wallet and/or the user account.

11 . The method of claim 9 , further comprising crediting the determined amount of points to the user account.

12 . The method of claim 11 , wherein the step of determining the amount of points to be credited comprises:
sending, to the device, a verification request, the verification request requesting a verification input; receiving, from the device, the verification input in response to the verification request; and comparing the received verification input with registration data that has been registered for the at least one digital wallet and/or the user account; wherein the step of crediting the determined points to the user account is performed in response to a result of the comparison step.

13 . The method of claim 12 , wherein the step of receiving the verification input comprises:
receiving, from the merchant device, the verification input, the verification input comprising any one or more of: a user identification code and a one-time password generated, by the device, using at least the user account identifier.

14 . The method of claim 12 , wherein the step of crediting the determined amount of points to the user account is performed responsive to the received verification input matching the registration data.

15 . The method of claim 12 , further comprising sending a failure message, to a device, responsive to the received verification input not matching the registration data.

16 . The method of claim 9 , further comprising transmitting, to the device, a credit message indicating the amount of points that have been credited to the user account.

17 . The method of claim 16 , wherein transmitting the credit message comprises transmitting the credit message via a near field communications link through the merchant device.

18 . A non-transitory computer readable medium having stored thereon an application which when executed by a computer causes the computer to perform steps comprising:
receiving, from a device, a user account identifier; receiving, from a merchant device, a credit request comprising a merchant identifier and a credit amount; determining, based on the user account identifier, at least one digital wallet associated with the user account identifier; and determining an amount of points to be credited to a user account associated with the at least one digital wallet, the user account being determined according to the user account identifier and the merchant identifier, the amount of points being determined in response to the credit amount.

Assignees

• Mastercard Asia Pacific Pte Ltd

Inventors

• Gilbey Benjamin Charles
• Aggarwal Naman
• Choo Ai Ling Felicia

Classifications

• G06Q20/36 Primary

  using electronic wallets or electronic money safes · CPC title

• G06Q20/401

  Transaction verification · CPC title

• G06Q20/20 Primary

  Point-of-sale [POS] network systems · CPC title

• G06Q20/206

  comprising security or operator identification provisions, e.g. password entry · CPC title

• G06Q20/363

  with the personal data of a user · CPC title