Mastercard International Incorporated

Celine Martig

Shoon Ping Wong

Pablo Fourez

Michael S Ameiss

Alan Mushing

Michael J Shaon

Kenneth Chung Lem Moy

Fredrik Lundequist

Michael Shaon

Michael Ameiss

Kenneth Chung Moy

Michael Jason Friedman

Shoshana Rosenfield

John Cacioppo

Ngassam Ngnoumen

Zavida Mangaru

Mehmet Pasa

Rupa Subramanian

A phone-based electronic wallet providing authenticated transactions across multiple channels of commerce. The electronic wallet may be used for point-of-sale payments, remote mobile payments and/or web-based payments, and may use authentication tools such as offline PINs, SecureCode PINs and/or online PINs.

Multi-commerce channel wallet for authenticated transactions

A method for authorizing a digital wallet transaction initiated by a consumer from a merchant web site or app includes providing an acceptance mark on a merchant landing page associated with the merchant web site or app for initiating the digital wallet transaction, the acceptance mark comprising a link to a host server accessing an acceptance network for authorizing payment, the acceptance network comprising a plurality of digital wallets. A wallet selector switch allows selection of a wallet, the transaction is routed to the selected wallet, a payment card and shipping address are selected and the transaction is redirected back to the merchant with purchase details for authorizing and completing the digital wallet transaction. The wallets can include federated and non-federated cobranded wallets and partner-hosted wallets. Direct provisioning with partner credentials and automatic update of consumer details is provided in a federated cobranded wallet.

System and method to enable a network of digital wallets

Growing community of inventors

Singapore, Singapore

Celine Martig