# US 2018/0322479 A9 · Method and device for digital payment transactions > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2018/0322479 A9 - Document ID: US20180322479A9 - Status: Published application - Kind: A9 - Application number: 15/728,362 - Filed: 2017-10-09 - Published: 2018-11-08 - Earliest claimed: 2016-10-11 - Assignees: Mastercard Asia/Pacific Pte. Ltd. - Applicants: Mastercard Asia/Pacific Pte. Ltd. - Inventors: Ian David Alan Maddocks; Syam Sasidharan Nair - Web page: https://patentgrep.com/patent/US20180322479A9 ## CPC - G06Q 20/105: {involving programming of a portable memory device, e.g. IC cards, "electronic purses"} - G06Q 20/3274: {using a pictured code, e.g. barcode or QR-code, being displayed on the M-device} - G06Q 20/352: {Contactless payments by cards} - G06Q 20/3563: {Software being resident on card} - G06Q 20/367: {involving electronic purses or money safes} - G06Q 20/3821: {Electronic credentials} - G06Q 20/4018: {using the card verification value [CVV] associated with the card} - G06Q 20/409: {Device specific authentication in transaction processing} - G06Q 30/0207: Discounts or incentives, e.g. coupons or rebates - G07F 7/0846: {On-card display means} - G07F 7/0866: {by active credit-cards adapted therefor (G07F7/1008 takes precedence)} - G07F 7/122: {Online card verification} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00}) ## Abstract A method and device for digital payment transactions is provided. A method for encoding data for use in a digital payment transaction between a cardholder and a merchant includes generating, by a cardholder electronic device, dynamic magnetic stripe data associated with a digital payment card of a digital wallet application stored in a data storage module of the cardholder electronic device, retrieving merchant-related data stored in the data storage module of the cardholder electronic device, and encoding, by the cardholder electronic device, the generated dynamic magnetic stripe data and the retrieved merchant-related data in a machine-readable visual code for use in the digital payment transaction. ## Claims ### Claim 1 A method for encoding data for use in a digital payment transaction between a cardholder and a merchant, comprising: generating, by a cardholder electronic device, dynamic magnetic stripe data associated with a digital payment card of a digital wallet application stored in a data storage module of the cardholder electronic device; retrieving merchant-related data stored in the data storage module of the cardholder electronic device; and encoding, by the cardholder electronic device, the generated dynamic magnetic stripe data and the retrieved merchant-related data in a machine-readable visual code for use in the digital payment transaction. ### Claim 2 (depends on 1) The method according to claim 1, wherein the merchant-related data comprises at least one of: merchant loyalty-program data; discount data; and coupon data, for use within the digital payment transaction. ### Claim 3 (depends on 1) The method according to claim 1, wherein the machine-readable visual code comprises a Quick Response Code (QR-code). ### Claim 4 (depends on 1) The method according to claim 1, wherein the dynamic magnetic stripe data comprises at least one of: ISO 7813 Track 1, Track 2, and Track 3 data. ### Claim 5 (depends on 1) The method according to claim 1, further comprising: transmitting a token request from the cardholder electronic device to a token service computer server that is in communication with the cardholder electronic device; receiving a token by the cardholder electronic device from the token service computer server in response to the token request; and generating the dynamic magnetic stripe data based on the received token. ### Claim 6 (depends on 1) The method according to claim 1, wherein the dynamic magnetic stripe data comprises dynamic CVC data. ### Claim 7 (depends on 1) The method according to claim 1, further comprising: displaying, by a display module of the cardholder electronic device, the machine-readable visual code. ### Claim 8 (depends on 1) The method according to claim 1, wherein the merchant-related data stored in the data storage module of the cardholder electronic device comprises data associated with a plurality of different merchants, and wherein the method further comprises: receiving, at the cardholder electronic device, a selection of one of the plurality of different merchants; and retrieving the merchant-related data that is related to the selected one of the plurality of different merchants. ### Claim 9 A cardholder electronic device for use in a digital payment transaction, comprising: a mobile device processor module; a communications module for transmitting and receiving data, the communications module operably connected to the mobile device processor module; and a data storage module operably connected to the mobile device processor module and having stored therein a digital wallet application, merchant-related data, and instructions configured to cause the mobile device processor module to: generate dynamic magnetic stripe data associated with a digital payment card of the digital wallet application; retrieve the merchant-related data stored in the data storage module; and encode the generated dynamic magnetic stripe data and the retrieved merchant-related data in a machine-readable visual code for use in the digital payment transaction. ### Claim 10 (depends on 9) The cardholder electronic device according to claim 9, wherein the merchant-related data comprises at least one of: merchant loyalty-program data; discount data; and coupon data, for use within the digital payment transaction. ### Claim 11 (depends on 9) The cardholder electronic device according to claim 9, wherein the machine-readable visual code comprises a Quick Response Code (QR-code). ### Claim 12 (depends on 9) The cardholder electronic device according to claim 9, wherein the dynamic magnetic stripe data comprises at least one of: ISO 7813 Track 1, Track 2, and Track 3 data. ### Claim 13 (depends on 9) The cardholder electronic device according to claim 9, wherein the instructions are further configured to cause the mobile device processor module to: transmit a token request to a token service computer server that is in communication with the cardholder electronic device; receive a token from the token service computer server in response to the token request; and generate the dynamic magnetic stripe data based on the received token. ### Claim 14 (depends on 9) The cardholder electronic device according to claim 9, wherein the dynamic magnetic stripe data comprises dynamic CVC data. ### Claim 15 (depends on 9) The cardholder electronic device according to claim 9, further comprising a display module operably connected to the mobile device processor module, wherein the display module is configured to display the machine-readable visual code. ### Claim 16 (depends on 9) The cardholder electronic device according to claim 9, wherein the merchant-related data stored in the data storage module comprises data associated with a plurality of different merchants, wherein the cardholder electronic device further comprises a user input module operably connected to the mobile device processor module, the user input module configured to receive a user selection of one of the plurality of different merchants; and wherein the mobile device processor module is further caused to retrieve the merchant-related data that is related to the user selected one of the plurality of different merchants. ### Claim 17 A merchant device for use in a digital payment transaction between a cardholder and a merchant, comprising: a visual code scanner module for reading a machine-readable visual code having encoded therein dynamic magnetic stripe data and merchant-related data; a processor module operably connected to the visual code scanner module for separating the dynamic magnetic stripe data from the merchant-related data; and a transmitter module operably connected to the processor module for: transmitting the merchant-related data to a merchant payment device such that transaction data can be generated by the merchant payment device based on the merchant-related data; and transmitting the dynamic magnetic stripe data to the merchant payment device for authorizing the digital payment transaction. ### Claim 18 (depends on 17) The merchant device according to claim 17, wherein the merchant-related data comprises at least one of: merchant loyalty-program data; discount data; and coupon data, for use within the digital payment transaction. ### Claim 19 (depends on 17) The merchant device according to claim 17, wherein the machine-readable visual code comprises a Quick Response Code (QR-code), and wherein the dynamic magnetic stripe data comprises at least one of: ISO 7813 Track 1, Track 2, and Track 3 data. ### Claim 20 (depends on 18) The merchant device according to claim 18, wherein the transaction data comprises a price of a product purchased by the cardholder from the merchant, and wherein the price of the product is adjusted by the merchant payment device based on one of the discount data and coupon data.