US Patent:
20130254115, Sep 26, 2013
Inventors:
Michael J. Friedman - Norwalk CT, US
Ngassam Ngnoumen - Chesterfield MO, US
Celine Martig - Greenwich CT, US
Shoshana C. Rosenfield - Rye NY, US
Rupa Subramanian - Norwalk CT, US
Zavida Mangaru - Valley Stream NY, US
John F. Cacioppo - Foristell MO, US
Scott Moser - Kings Park NY, US
Amyn Dhala - White Plains NY, US
Assignee:
MasterCard International Incorporated - Purchase NY
International Classification:
G06Q 20/36
Abstract:
Various consumer interface platforms are converged to facilitate user access to an electronic network of wallets. The functions of both remote and NFC payment, among other interface platforms, give the purchaser access to a single electronic wallet for online E-commerce and a variety of mCommerce scenarios, some including brick and mortar, face-to-face (F2F), and/or point-of-sale (POS) transaction payments. The network of wallets has a network operator intermediating payment transactions between merchants and wallet providers. In this way, the parallel consumer interface platforms, such as remote platform enabling e-commerce payments, an NFC platform, and/or others, into a single converged payment platform that is usable in either or both transaction settings.
