Worldline has been granted a patent for a method of carrying out financial transactions using a user’s terminal to benefit a merchant. The method involves receiving a merchant’s identifier, transaction amount data, and generating a transaction, which is then transmitted to a transaction management server. GlobalData’s report on Worldline gives a 360-degree view of the company including its patenting strategy. Buy the report here.

According to GlobalData’s company profile on Worldline, Contactless Card Payments was a key innovation area identified from patents. Worldline's grant share as of February 2024 was 75%. Grant share is based on the ratio of number of grants to total number of patents.

Method for carrying out financial transactions using user terminal

Source: United States Patent and Trademark Office (USPTO). Credit: Worldline SA

A recently granted patent (Publication Number: US11907918B2) outlines a method for conducting transactions with a merchant terminal using a user's terminal. The method involves receiving the merchant's identifier and offer identification through various interfaces such as scanning a code with the camera, Bluetooth interface, or contactless interface of the user terminal. The user terminal decodes the received information, including the transaction amount, and generates a credit transaction for the merchant. This transaction includes location data obtained from a GPS device or mobile network, encrypted using a secured processor, and transmitted to a third-party transaction management server. Importantly, the user's bank account data is not shared with the merchant or their terminal, ensuring privacy and security.

Furthermore, the patent includes additional claims related to the method, such as the user entering a personal securing identifier, receiving validation of the transaction from the merchant terminal, and testing the validity of the offer based on the user terminal's location. The user terminal described in the patent includes interfaces like a camera, Bluetooth, and contactless, along with a processor and non-transitory computer-readable medium for executing the transaction process. The method also involves encrypting the transaction record using a secured processor before transmission to the third-party server, which completes the transaction with the merchant's identifier against the user's bank account. Overall, the patent aims to streamline and secure transactions between users and merchants while safeguarding sensitive financial information.

To know more about GlobalData’s detailed insights on Worldline, buy the report here.

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GlobalData, the leading provider of industry intelligence, provided the underlying data, research, and analysis used to produce this article.

GlobalData Patent Analytics tracks bibliographic data, legal events data, point in time patent ownerships, and backward and forward citations from global patenting offices. Textual analysis and official patent classifications are used to group patents into key thematic areas and link them to specific companies across the world’s largest industries.