# US 2021/0241239 A1 · Method and system for open-loop person-to-person payments

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- Number: US 2021/0241239 A1
- Document ID: US20210241239A1
- Status: Published application
- Kind: A1
- Application number: 17/166,807
- Filed: 2021-02-03
- Published: 2021-08-05
- Earliest claimed: 2020-02-04
- Assignees: Mastercard International Incorporated
- Applicants: Mastercard International Incorporated
- Inventors: Alan Ferguson; Ravi Kapoor; Sedef Acar; Mohammad Al-Hussein; Georgina Selby
- Web page: https://patentgrep.com/patent/US20210241239A1

## CPC

- G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q 20/102: {Bill distribution or payments}
- G06Q 20/108: {Remote banking, e.g. home banking}
- G06Q 20/223: {based on the use of peer-to-peer networks}
- G06Q 20/227: {characterised in that multiple accounts are available, e.g. to the payer}
- G06Q 20/3223: {Realising banking transactions through M-devices}
- G06Q 20/3255: {using mobile network messaging services for payment, e.g. SMS}
- G06Q 20/3267: {In-app payments}
- G06Q 20/3274: {using a pictured code, e.g. barcode or QR-code, being displayed on the M-device}
- G06Q 20/3276: {using a pictured code, e.g. barcode or QR-code, being read by the M-device}
- G06Q 20/351: {Virtual cards}
- G06Q 20/363: {with the personal data of a user}
- G06Q 20/385: {using an alias or single-use codes}
- G06Q 20/42: Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06K 19/06028: {using bar codes}
- G06K 19/06037: {multi-dimensional coding}
- G06Q 20/367: {involving electronic purses or money safes}
- 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
- G06K: GRAPHICAL DATA READING (image or video recognition or understanding G06V); PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS

## Abstract

A method for open-loop person to person payments comprises: receiving, from a sender computing device, a transaction request message including an identifier of a recipient, a selection of a payment device, and a payment amount; determining, based on the identifier, a registration status of the recipient; if the recipient is registered: determining, from the identifier of the recipient, an account of the recipient, and initiating a request to a payment network to effect a transfer of the payment amount from an account associated with the selected payment device to an account of the recipient; if the recipient is unregistered, effecting a transfer of the payment amount from an account associated with the selected payment device to an escrow account, and transmitting, to the recipient based on the identifier, a payment notification message, said payment notification message including a link for the recipient to register to receive the payment amount.

## Claims

### Claim 1

A method for open-loop person to person payments, the method comprising:
receiving, at a person to person (P2P) payments platform, a transaction request message from a sender computing device, the transaction request message including an identifier of a recipient, a selection of a payment device, and a payment amount;
determining, by the P2P payments platform, based on the identifier of the recipient, that the recipient does not have an account registered with the P2P payments platform;
initiating, by the P2P payments platform, a request to a payment network to effect a transfer of the payment amount from an account associated with the selected payment device to an escrow account maintained at an acquirer system; and
transmitting, by the P2P payments platform, to the recipient based on the identifier, a payment notification message, said payment notification message including a link for the recipient to register with the P2P payments platform to receive the payment amount.

### Claim 2 (depends on 1)

The method according to claim 1, wherein the identifier of the recipient is determined by scanning, with the sender computing device, an optical code that encodes at least the identifier of the recipient.

### Claim 3 (depends on 2)

The method according to claim 2, wherein the optical code also encodes a URL of a payment webpage of the P2P payments platform.

### Claim 4 (depends on 1)

The method according to claim 1, further comprising generating an account for the recipient at the acquirer system on registration of the recipient at the P2P payments platform.

### Claim 5 (depends on 4)

The method according to claim 4, further comprising initiating a transfer of the payment amount from the escrow account to the generated recipient account.

### Claim 6 (depends on 1)

The method according to claim 1, wherein the identifier of the recipient is a mobile phone number, an email address, or an account identifier for the recipient at a messaging service.

### Claim 7

A method for open-loop person to person payments, the method comprising:
receiving, by a person to person (P2P) payments platform, from a sender computing device, a transaction request message including an identifier of a recipient, a selection of a payment device, and a payment amount;
determining, by the P2P payments platform, based on the identifier, a registration status of the recipient at the P2P payments platform;
in response to the recipient being registered:
determining, by the P2P payments platform, from the identifier of the recipient, an account of the recipient; and
initiating, by the P2P payments platform, a request to a payment network to effect a transfer of the payment amount from an account associated with the selected payment device to the account of the recipient; and
in response to the recipient being unregistered, initiating, by the P2P payments platform, a request to the payment network to effect a transfer of the payment amount from the account associated with the selected payment device to an escrow account, and transmitting, to the recipient based on the identifier, a payment notification message, said payment notification message including a link for the recipient to register to receive the payment amount.

### Claim 8 (depends on 7)

The method according to claim 7, further comprising, responsive to a determination that the recipient is unregistered, requesting generation of an account for the recipient at the acquirer system on registration of the recipient at the P2P payments platform.

### Claim 9 (depends on 8)

The method according to claim 8, further comprising initiating a transfer of the payment amount from the escrow account to the generated recipient account at the acquirer system.

### Claim 10 (depends on 7)

The method according to claim 7, wherein the identifier of the recipient is a mobile phone number, an email address, or an account identifier for the recipient at a messaging service.

### Claim 11

A system for open-loop person-to-person payments, comprising:
a person to person (P2P) payments platform that is configured to:
receive, from a sender computing device, a transaction request message including an identifier of a recipient, a selection of a payment device, and a payment amount;
determine, based on the identifier, a registration status of the recipient;
responsive to a determination that the recipient is registered:
determine, from the identifier of the recipient, an account of the recipient; and
initiate a request to a payment network to effect a transfer of the payment amount from an account associated with the selected payment device to the account of the recipient; and
responsive to a determination that the recipient is unregistered, initiate a request to the payment network to effect a transfer of the payment amount from the account associated with the selected payment device to an escrow account maintained at an acquirer system, and transmit, to the recipient based on the identifier, a payment notification message, said payment notification message including a link for the recipient to register an account with the P2P payments platform to receive the payment amount.

### Claim 12 (depends on 11)

The system according to claim 11, wherein the P2P payments platform is further configured, responsive to a determination that the recipient is unregistered, to request generation of an account for the recipient at the acquirer system on registration of the recipient at the P2P platform.

### Claim 13 (depends on 12)

The system according to claim 12, wherein the P2P payments platform is further configured to initiate a transfer of the payment amount from the escrow account to the generated recipient account at the acquirer system.

### Claim 14 (depends on 11)

The system according to claim 11, wherein the identifier of the recipient is a mobile phone number, an email address, or an account identifier for the recipient at a messaging platform.

### Claim 15 (depends on 11)

The system according to claim 11, further comprising the sender computing device.

### Claim 16 (depends on 15)

The system according to claim 15, wherein the sender computing device is configured to determine the identifier of the recipient by scanning an optical code that encodes the identifier of the recipient.

### Claim 17 (depends on 16)

The system according to claim 16, wherein the optical code also encodes a URL of a payment webpage of the P2P payments platform.