IP Library Granted Patent US 10,929,825
Granted Patent B2
US 10,929,825 · App. 15/261,057 · Granted Feb 23, 2021

Method for transmitting data, corresponding devices and computer programs

Inventor: Vincent Ducrohet (Saint-Cyr-l'Ecole, FR)
Assignee: INGENICO GROUP
G06Q20/108G06Q20/20G06Q20/3255G06Q20/34G06Q20/425H04L51/04H04L67/42
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Quick Facts
Patent No.
US 10,929,825
App. No.
15/261,057
Granted
Feb 23, 2021
Kind
B2
Abstract

The invention relates to a method for transmitting a message, emitted by a server of a merchant, to a communications terminal of a user. According to this method, the message is transmitted to the communications terminal indirectly by using at least one data transmission service specific to a server of a banking institution with which the user possesses a bank account.

Claims (20)

1. A method for sending a financial transaction message from a merchant to a mobile device of a customer, the method comprising:

receiving, by a server of a banking establishment corresponding to a payment account of the customer, a confirmation of a financial transaction made between the banking establishment corresponding to the payment account of the customer and a banking establishment corresponding to the merchant, regarding a financial transaction made between the customer and the merchant, wherein the confirmation comprises an internet protocol (IP) address or a uniform resource locator (URL) address of a server of the merchant; and

in response to receiving the confirmation:

transmitting, by the server of the banking establishment corresponding to the payment account of the customer, using the IP address or the URL address, and to the server of the merchant, a request for a message corresponding to the financial transaction,

receiving, by the server of the banking establishment corresponding to the payment account of the customer, from the server of the merchant, and after transmitting the request, a response containing the message, and

determining, by the server of the banking establishment corresponding to the payment account of the customer, based on the received confirmation of the financial transaction, an identifier of the mobile device of the customer; and

transmitting, by the server of the banking establishment corresponding to the payment account of the customer, using the determined identifier, and to the mobile device of the customer, at least a portion of the message.

2. The method of claim 1 , wherein transmitting the at least the portion of the message to the mobile device of the customer comprises transmitting, via a data transmission service, the at least the portion of the message, and wherein the data transmission service implements a telephone number of the customer.

3. The method of claim 1 , wherein transmitting the at least the portion of the message to the mobile device of the customer comprises transmitting, via a data transmission service, the at least the portion of the message, wherein the data transmission service implements an application of the banking establishment corresponding to the payment account of the customer, and wherein the application is installed in the mobile device of the customer.

4. The method of claim 1 , wherein the received confirmation comprises an identifier of the financial transaction.

5. The method of claim 1 , wherein the at least the portion of the message is transmitted to the mobile device of the customer in a form adapted to the mobile device of the customer.

6. A system comprising:

at least one processor, and

memory storing a plurality of executable instructions which, when executed by the at least one processor, cause the system to:

receive a confirmation of a financial transaction made between a banking establishment corresponding to a payment account of a customer and a banking establishment corresponding to a merchant, wherein the confirmation comprises an internet protocol (IP) address or a uniform resource locator (URL) address of a server of the merchant; and

in response to receiving the confirmation:

transmit, using the IP address or the URL address, to the server of the merchant, a request for a message corresponding to the financial transaction,

receive, from the server of the merchant, and after transmitting the request, a response containing the message,

determine, based on the received confirmation of the financial transaction, an identifier of a mobile device of the customer; and

transmit, using the determined identifier, to the mobile device of the customer, at least a portion of the message.

Assignments (2)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Nov 17, 2021
From: INGENICO GROUP
To: BANKS AND ACQUIRERS INTERNATIONAL HOLDING
Reel/Frame 058173/0055 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Oct 24, 2016
From: DUCROHET, VINCENT
To: INGENICO GROUP
Reel/Frame 040102/0029 →
Priority Claims (1)
FR 1558451 · Sep 11, 2015 · national
Continuity (1)
Related Publication 20170076261A1 · Mar 16, 2017