Description:FORM 2
THE PATENTS ACT, 1970
(39 of 1970)
&
THE PATENT RULES, 2003
COMPLETE SPECIFICATION
(See Section 10 and Rule 13)

Title of invention:
A SYSTEM AND A METHOD FOR FACILITATING E-TOKEN EXCHANGE BETWEEN USERS

APPLICANT:
GOCASHLESS INDIA PRIVATE LIMITED
An Indian Entity having address as:
At/Post- Kherade Wangi, Tal-Kadegaon, Dist-Sangli. Pin 415311

The following specification particularly describes the invention and the manner which is to be performed.
CROSS-REFERENCE TO RELATED APPLICATIONS
The present application does not claim priority from any Patent Application.
TECHNICAL FIELD
The present disclosure relates to a system and a method for facilitating an online financial exchange, and more particularly to a system and a method for facilitating a e-token exchange between two users over two same or distinct payment gateway.
BACKGROUND
The subject matter discussed in the background section should not be assumed to be prior art merely as a result of its mention in the background section. Similarly, a problem mentioned in the background section or associated with the subject matter of the background section should not be assumed to have been previously recognized in the prior art. The subject matter in the background section merely represents different approaches, which in and of themselves may also correspond to implementations of the claimed technology.
Worldwide financial transaction systems have changed drastically. With an increased use of smartphones, maximum percent of financial transactions have moved to online mode instead of traditional modes. With latest software applications and technologies, one can easily conduct a transaction within a few minutes with the help of a few details. Payment gateways have been an unparallel boon in the field of financial transaction. However, there has been a parallel issue of security when one has to divulge their account details while doing a financial transaction. Many users are still apprehensive to share such critical details to any person. A real-time payment or financial transaction system like UPI which facilitates instant transfer of funds between two bank accounts on a mobile platform is facing the issue of sharing the critical details even more.
Further, the disadvantage of not able to do transaction remains when the payment gateway of the payer and payee is different. In one such prior art a system and a method for an electronic payment system were disclosed. The method as disclosed facilitated sending and receiving money in a simple manner using user devices. It further provided the unified payments interface (UPI) and enables users to push and pull/collect payments from accounts of concerned persons/entities. The system enabled payment transactions between a payer and a payee without mandatorily needing bank information and bank account details of each other. It eliminated the risk of storing customers’ account details and was used by customers which do not have credit/debit cards. It provided payment transaction privacy. Further, the electronic payment system in the prior disclosure worked across various interfaces, where payment requests can be generated on a web interface and authorized on a mobile interface (application tool). However, the reference failed to provide the facility of transacting even when the payment gateways of the payer and payee are different.
As such, there is an indispensable need for a system and a method for an electronic token exchange between two user devices in which the need of disclosing or sharing critical information like bank details or wallet details is removed while allowing the user(s) to exchange token over the same server gateway or two- distinct server gateways of the payer and payee.
SUMMARY
This summary is provided to introduce concepts related to a system and a method for facilitating electronic token (e-token) exchange between two users and the concepts are further described below in the detailed description. This summary is not intended to identify essential features of the claimed subject matter nor is it intended for use in determining or limiting the scope of the claimed subject matter.
In an implementation a method for facilitating an e-token exchange is disclosed. The method 400 as disclosed comprises capturing an identifying tag of a transferee by a first device 100a of a transferer at step 402. Further the identifying tag is received at a remote server 102 over a network 104 at step 404. The method as disclosed in the exemplary embodiment may further comprises at step 406 initiating a search for retrieving a plurality of records from a first database 213, associated with the identifying tag. At step 408 recommending, a preferred record from the plurality of records, to the transferer, wherein an AI module 210 is configured to recommend the preferred account. Further at step 410 the first device 100(a) may receive a selected record, by the transferer, The selected record is either any record from the plurality of records or the preferred record. At step 412 a communication link may be initiated between server gateways of the transferer and the record selected for the transferee.
In another implementation a method for facilitating a e-token exchange is disclosed. The method 500 as disclosed comprises launching an application module 207 at step 502 to initiate the e-token exchange. The application module 207 may be configured to access a camera module 206 or an input module on a first user device 100a of transferer. At step 504 an identifying tag of transferee is captured using the first user device to initiate the e-token exchange. Further at step 506 the identifying tag is sent to a remote server 102. Further at step 508 a first database is searched to retrieve a plurality of record, wherein each record represents a bank account or an electronic wallet address of the transferee. At step 510 the plurality of records are rendered on the first device of the transferer, wherein only bank name or electronic wallet name is rendered.
In one implementation, at first, a user may use the client/user device 100(a) to access the system 100 via the I/O interface 203. The user device 100(a) may be communicably connected to a server. Further other module 211 or camera module 206, of the first user device 100(a) may be configured to capture an input data related to identifying tag of the second user device 100(b). Further a recognizing module 209, may confirm the initiation of an exchange based on certain identifiers. The processor 202, may be further configured to detect an initiation of the exchange and generate an exchange initiation prompt to be sent to the second user device 100(b) for confirmation. Further the processor 202 is further configured to receive the confirmed exchange initiation prompt to initiate the extraction of all related account details of the second user device 100(b). The extraction module 208, of the first user device 100a may be further configured to extract all the account details of the second user device 100b. In accordance with the exemplary embodiment the other module 211, may enlist all the associated payment gateways of the extracted accounts by the processor 202.
BRIEF DESCRIPTION OF DRAWINGS
The detailed description is described with reference to the accompanying Figures. In the Figures, the digit(s) of a reference number identifies the Figure in which the reference number first appears. The same numbers are used throughout the drawings to refer like features and components.
Figure 1 illustrates various components involved in an electronic token exchange, in accordance with an embodiment of the present subject matter.
Figure 2 illustrates a system for facilitating an electronic token exchange, in accordance with an exemplary embodiment of the present subject matter.
Figure 3 illustrates a method for facilitating an electronic token exchange, in accordance with an exemplary embodiment of the present subject matter.
Figure 4 illustrates an exemplary embodiment method for facilitating an electronic token exchange.
Figure 5 illustrates another exemplary embodiment method for facilitating an electronic token exchange.
DETAILED DESCRIPTION
Reference throughout the specification to “various embodiments,” “some embodiments,” “one embodiment,” or “an embodiment” means that a particular feature, structure, or characteristic described in connection with the embodiment is included in at least one embodiment. Thus, appearances of the phrases “in various embodiments,” “in some embodiments,” “in one embodiment,” or “in an embodiment” in places throughout the specification are not necessarily all referring to the same embodiment. Furthermore, the particular features, structures or characteristics may be combined in any suitable manner in one or more embodiments.
The words "comprising," "having," "containing," and "including," and other forms thereof, are intended to be equivalent in meaning and be open ended in that an item or items following any one of these words is not meant to be an exhaustive listing of such item or items or meant to be limited to only the listed item or items.
It must also be noted that, the singular forms "a," "an," and "the" include plural references unless the context clearly dictates otherwise. Although any methods similar or equivalent to those described herein can be used in the practice or testing of embodiments of the present disclosure, the exemplary methods are described. The disclosed embodiments are merely exemplary of the disclosure, which may be embodied in various forms.
In accordance with an exemplary embodiment of the present disclosure a method and system is disclosed to enable an exchange, wherein electronic tokens (e-tokens) can be exchanged either between two users, from one user to another user, wherein the users may be on the same server gateway or two distinct server gateway. The gateway can be payment gateway in accordance with an exemplary embodiment.
In accordance with the exemplary embodiment, a transferer may capture an unique ID or an identifying tag associated with a transferee. The identifying tag can be a mobile number. Further the identifying tag may be associated with a plurality of accounts, of the transferee. The plurality of accounts may be bank accounts, and/or electronic wallets, i.e. the mobile number may be associated with bank account and the electronic wallets, including various UPI id’s (Unified Payment Interface ID’s)or virtual payment account (VPA).
Further in accordance with the exemplary embodiment all the bank accounts and/or the electronic wallets, including the UPI id’s and/or VPA would be rendered or displayed on the transferer’s screen. In an exemplary embodiment only the name of the bank, along with the branch may appear in case of bank account, and further in case of electronic wallet only the name of the wallet may be displayed on the screen.
In another exemplary embodiment of the present disclosure to initiate an exchange of the e-token, an application embedded into the transferer’s device may be invoked. Further the embedded application may be configured to capture the identifying tag of the transferee. The identifying tag, that may be a mobile number of the transferee in accordance with the exemplary embodiment, may be captured and further sent to a remote server with a first database. The first database may be configured to store all registered UPI id’s. Further all the UPI id’s associated with the identifying tag may be retrieved from the first database.
The UPI id in accordance with the present exemplary embodiment may be a virtual payment address (VPA), and the e-token may be currency, virtual currency or crypto-currency. Further at least one attributes of the UPI id is identified using an AI module. The at least one attribute identified enables identification of the bank or the electronic wallet being used by the transferee. For e.g. if the transferee has at least one UPI id associated with the identifying tag which is XYS@ybl, then the AI module may be able to identify the attribute after “@”sign, i.e. “ybl”; further the AI module will run another search in a second database and match “ybl” with the bank having code “ybl” or electronic wallet represented by “ybl”.
The present disclosure in accordance with all the exemplary embodiments may further comprise recommending at least one account or UPI id from the plurality of accounts or UPI id’s.
Referring to Figure 1, illustrates an exemplary embodiment of the present disclosure. The system 100 as illustrated comprises a first device 100(a), wherein the first device 100(a) may be configured as a transferer’s device. The e-token exchange may be initiated on the first device 100(a) by invoking an application embedded in the first device 100(a). Further a capture module may be configured to capture an identifying tag either via camera module or by keying in the same. The first device 100(a) may further connect with a remote server 102 via a network 104. The first device 100(a) may further access a first database 106, or a second database 106 or an UPI database 106. The first database 106 or the second database 106 or the UPI database 106 may be embedded into the remote server 102, or may be distributed over a cloud network.
In accordance with exemplary embodiment the first database 106 or the second database 106 or the UPI database 106 are searched to retrieve a plurality of accounts associated with the identifying tag. Further the plurality of accounts may be rendered on a screen of the first device. The transferer may select at least one account from the plurality of accounts to transfer or complete the e-token exchange. A transferee can verify the receipt of the transfer on a second device 100(b).
In accordance with the exemplary embodiment of the present system 100, the plurality of accounts may refer to a plurality of virtual payment addresses (VPA). Further each VPA may have an attribute identifying a bank or electronic wallet. The attribute identifying the bank or the electronic wallet may be present after an “@” in the VPA. Further the first database 106, or the second database 106, or the UPI database 106 may be updated at defined interval to capture new VPA and to capture representation for the banks and electronic wallet.
In one implementation, the network 104 may be a wireless network, a wired network or a combination thereof. The network 104 can be implemented as one of the different types of networks, such as intranet, local area network (LAN), wide area network (WAN), the internet, and the like. The network 104 may either be a dedicated network or a shared network. The shared network represents an association of the different types of networks that use a variety of protocols, for example, Hypertext Transfer Protocol (HTTP), Transmission Control Protocol/Internet Protocol (TCP/IP), Wireless Application Protocol (WAP), and the like, to communicate with one another. Further the network 104 may include a variety of network devices, including routers, bridges, servers, computing devices, storage devices, and the like.
The aforementioned devices may support communication over one or more types of networks in accordance with the described embodiments. For example, some computing devices and networks may support communications over a Wide Area Network (WAN), the Internet, a telephone network (e.g., analog, digital, POTS, PSTN, ISDN, xDSL), a mobile telephone network (e.g., CDMA, GSM, NDAC, TDMA, E-TDMA, NAMPS, WCDMA, CDMA-2000, UMTS, 3G, 4G), a radio network, a television network, a cable network, an optical network (e.g., PON), a satellite network (e.g., VSAT), a packet-switched network, a circuit-switched network, a public network, a private network, and/or other wired or wireless communications network configured to carry data. Computing devices and networks also may support wireless wide area network (WWAN) communications services including Internet access such as EV-DO, EV-DV, CDMA/1×RTT, GSM/GPRS, EDGE, HSDPA, HSUPA, and others.
The aforementioned devices and networks may support wireless local area network (WLAN) and/or wireless metropolitan area network (WMAN) data communications functionality in accordance with Institute of Electrical and Electronics Engineers (IEEE) standards, protocols, and variants such as IEEE 802.11 (“WiFi”), IEEE 802.16 (“WiMAX”), IEEE 802.20x (“Mobile-Fi”), and others. Computing devices and networks also may support short range communication such as a wireless personal area network (WPAN) communication, Bluetooth® data communication, infrared (IR) communication, near-field communication, electromagnetic induction (EMI) communication, passive or active RFID communication, micro-impulse radar (MIR), ultra-wide band (UWB) communication, automatic identification and data capture (AIDC) communication, and others.
Referring now to Figure 2, the system 100 is illustrated in accordance with an embodiment of the present subject matter. In one embodiment, the system 100 may include one processor 202, an input/output (I/O) interfaces 203, and one memory 204. The processor 202 may be implemented as microprocessors, microcomputers, microcontrollers, digital signal processors, central processing units, state machines, logic circuitries, and/or any devices that manipulate signals based on operational instructions. Among other capabilities, the processor 202 is configured to fetch and execute computer-readable instructions stored in the memory 204.
The I/O interface 203 may include a variety of software and hardware interfaces, for example, a web interface, a graphical user interface, and the like. The I/O interface 203 may allow the system 100 to interact with a user directly or through the client devices. Further, the I/O interface 203 may enable the system 100 to communicate with other computing devices, such as web servers and external data servers (not shown). The I/O interface 203 can facilitate multiple communications within a wide variety of networks and protocol types, including wired networks, for example, LAN, cable, etc., and wireless networks, such as WLAN, cellular, or satellite. The I/O interface 203 may include one or more ports for connecting a number of devices to one another or to another server.
The memory 204 may include any computer-readable medium known in the art including, for example, volatile memory, such as static random access memory (SRAM) and dynamic random access memory (DRAM), and/or non-volatile memory, such as read only memory (ROM), erasable programmable ROM, flash memories, hard disks, optical disks, and magnetic tapes. The memory 204 may include modules 205 and database 212.

The programmed instructions/modules 205 include routines, programs, objects, components, data structures, etc., which perform particular tasks or implement particular abstract data types. In one implementation, the modules 205 may include a camera module 206, application module 207, an extraction module 208, a recognising module 209, and an AI module 210. Further the modules 205 may include other modules 211, wherein the other modules 211 may include programs or coded instructions that supplement applications and functions of the system 100.
The database 212, amongst other things, serves as a repository for storing data processed, received, and generated by one or more of the modules 205. The database 212 may also include other database 216. The other database 216 may include data generated as a result of the execution of one or more modules in the other module 211.
In accordance with an exemplary embodiment the plurality of modules 205 and the plurality of database 212 may be emended in the single system 100, wherein the system 100 may be a user device or transferer or transferee device. Further plurality of the modules 205 and the plurality of database 212 may be distributed between the system 100 and the remote server 102, wherein in turn the remote server may be dedicated server or a cloud server.
In accordance with the exemplary embodiment, at first, a user may use the client/user device 100(a) to access the system 100 via the I/O interface 203. The user device 100(a) may be communicably connected to a server. Further other module 211 or camera module 206, of the first user device 100(a) may be configured to capture an input data related to identifying tag of the second user device 100(b). Further a recognizing module 209, may confirm the initiation of an exchange based on certain identifiers. The processor 202, may be further configured to detect an initiation of the exchange and generate an exchange initiation prompt to be sent to the second user device 100(b) for confirmation. Further the processor 202 is further configured to receive the confirmed exchange initiation prompt to initiate the extraction of all related account details of the second user device 100(b).
The extraction module 208, of the first user device 100a may be further configured to extract all the account details of the second user device 100b. In accordance with the exemplary embodiment the other module 211, may enlist all the associated payment gateways of the extracted accounts by the processor 202.
Referring now to Figure 3, illustrating a flow of a e-token exchange, in accordance with an embodiment of the present subject matter. Although the present subject matter is explained considering that the system of a e-token exchange may be implemented in different configurations.
The method for facilitating the e-token exchange between transferer and transferee comprises the transferer invokes an application module which is embedded in a first user device. The embedded application module has a provision for the transferer to capture a unique ID like a mobile number, or identifying tag in step 310. Further at step 320 the processing module of the first user device recognizes an exchange initiation through a signal of exchange initiation sent by the application module. Further at step 330 an exchange prompt is generated. At Step 340 the exchange Prompt is then sent to the application server of the first user device. Further at step 350 the application server of the first user device then sends the exchange Prompt to the application server of the second user device for confirmation of the user of the second user device.
At step 360 the application server of the second user device then sends a confirmation Prompt to the processing module of the second user device. The processing module of the second user device then processes the confirmation prompt and allows the user of the second user device to confirm either YES or select NO. If the user of the second user device selects a NO prompt, the exchange initiation is terminated at this end which is relayed to the application server of the first user device and the entire exchange is terminated. In case, the user of the second user device selects a YES prompt, the exchange initiation is confirmed and the processing module of the second user device conveys the same to the application server of the second user device.
In accordance with the implementation the application server of the second user device then sends the YES prompt to the application server of the first user device. Further the processing module sends the Request command to the application server of the first user device and either of the two embodiments can be configured:
(a) the application server of the first user device sends a Request command to a remote database directly to retrieve all the associated accounts.
(b) the application server of the first user device sends a Request command to the application server of the second user device. The application server of the second user device further accesses a remote database to retrieve all the associated accounts.
Further the remote database may consists of an Authentication Module which verifies the Request command. Further, the remote database consists a processing module too which after verification,
(a) retrieves all the accounts of the user of the second user device and sends them back to the application server of the first user device.
(b) retrieves all the accounts of the user of the second user device and sends them back to the application of server of the second user device which in turn sends the same to the application server of the first user device.
At Step 370 once, the application server of the first user device receives all the accounts of the user of the second user device, the application module embedded in the first user device encrypts and decrypts the accounts via an encrypting and a decrypting module present in the embedded application module. At step 380 the decrypting module decrypts the accounts and extracts all payment gateways and UPI IDs associated with the accounts. The display module then enlists all the payment gateways and UPI IDs associated with the accounts for the user of the first user device to select any one payment gateway. Further at step 390 the embedded application module allows the user to select either a same or a different payment gateway or a UPI ID for completing the e-token exchange.
Now referring to Figure 4, illustrates an exemplary embodiment method for facilitating a e-token exchange. The method 400 as disclosed comprises capturing an identifying tag of a transferee by a first device 100a of a transferer at step 402. Further the identifying tag is received at a remote server 102 over a network 104 at step 404. The method as disclosed in the exemplary embodiment may further comprises at step 406 initiating a search for retrieving a plurality of records from a first database 213, associated with the identifying tag. Each record may further represent a bank account or an electronic wallet address. The bank account or the electronic wallet address may be Virtual Payment Address (VPA). Further the plurality of records may be transferred to the first device 100(a). Further on a screen of the first device 100(a) only bank name or electronic wallet name is rendered.
At step 408 recommending, a preferred record from the plurality of records, to the transferer, wherein an AI module 210 is configured to recommend the preferred account. The step 408 for recommendation may further comprise capturing historical data for the plurality of records, analysing exchanges for each record from the plurality of records, and mapping the current exchange with the analysed exchange.
In accordance with the exemplary embodiment at step 410 the first device 100(a) may receive a selected record, by the transferer, The selected record is either any record from the plurality of records or the preferred record. At step 412 a communication link may be initiated between server gateways of the transferer and the record selected for the transferee. The method as disclosed may further comprise training a neural network to identify a first attribute of the bank account and a second attribute of the electronic wallet. The first attribute may enable identification of Indian Financial System Code (IFSC) or a SWIFT Code of the bank account, and further an alphanumeric value enabling in case of electronic wallet.
In accordance with the exemplary method further comprises mapping the first identified attribute with a bank database, and the second identified attribute with the electronic wallet database. The neural network as disclosed in the present exemplary embodiment may further be configured to update the bank database and the electronic wallet database.
Now referring to figure 5, illustrates another exemplary embodiment method for facilitating a e-token exchange. The method 500 as disclosed comprises launching an application module 207 at step 502 to initiate the e-token exchange. The application module 207 may be configured to access a camera module 206 or an input module on a first user device 100a of transferer. At step 504 an identifying tag of transferee is captured using the first user device to initiate the e-token exchange. Further at step 506 the identifying tag is sent to a remote server 102.
In accordance with the exemplary embodiment at step 508 a first database is searched to retrieve a plurality of record, wherein each record represents a bank account or an electronic wallet address of the transferee. Searching for each record further comprises, mapping the identifying tag with a bank database and an electronic wallet database, retrieving a first attribute associated with the bank account, and second attribute associated with the electronic wallet, and identifying a bank name based on the first attribute, electronic wallet name based on the second attribute.
At step 510 the plurality of records are rendered on the first device of the transferer, wherein only bank name or electronic wallet name is rendered. The method further comprises recommending a preferred record from the plurality of records to the transferer of the transferee, wherein an AI module 210 is configured to recommend the preferred account. Further the first device may receive a selected record, by the transferer, wherein the selected record is either any record from the plurality of records or the preferred record.
The method in accordance with the exemplary embodiment may further comprise initiating a communication link between server gateways of the transferer and the record selected for the transferee. The server gateways may be same for the transferer and transferee or distinct gateway between the transferer and transferee.

, Claims:WE CLAIM:
1. A method for facilitating an e-token exchange, the method comprising:
capturing an identifying tag of a transferee by a first device of a transferer;
receiving the identifying tag at a remote server over a network;
initiating a search for retrieving a plurality of records from a first database, associated with the identifying tag, wherein each record represents a bank account or an electronic wallet address;
transferring the plurality of records to the first device, wherein on a screen of the first device only bank name or electronic wallet name is rendered;
recommending, a preferred record from the plurality of records, to the transferer, wherein an AI module is configured to recommend the preferred account by:
capturing historical data for the plurality of records;
analysing exchanges for each record from the plurality of records; and
mapping the current exchange with the analysed exchange;
receiving from the first device a selected record, by the transferer, wherein the selected record is either any record from the plurality of records or the preferred record; and
initiating a communication link between server gateways of the transferer and the record selected for the transferee.
2. The method claim as claimed in claim 1, further comprises training a neural network to identify a first attribute of the bank account and a second attribute of the electronic wallet.
3. The method as claimed in claim 2, wherein the identifying the first attribute further comprises identifying Indian Financial System Code (IFSC) or a SWIFT Code of the bank account.
4. The method as claimed in claim 2, wherein the identifying the second attribute further comprises identifying an alphanumeric value enabling to identify the electronic wallet.
5. The method as claimed in claim 2, further comprises mapping the first identified attribute with a bank database.
6. The method as claimed in claim 2, further comprises mapping the second identified attribute with the electronic wallet database.
7. The method as claimed in claim 2, further comprises training the neural network to update the bank database and the electronic wallet database.
8. A method for facilitating a e-token exchange, the method comprising:
launching an application module to initiate the e-token exchange, wherein the application module is configured to access a camera or an input module on a first user device of transferer;
capturing an identifying tag of transferee using the first user device to initiate the e-token exchange;
sending the identifying tag to a remote server;
searching a first database to retrieve a plurality of record, wherein each record represents a bank account or an electronic wallet address of the transferee, searching further comprises, for each record:
mapping the identifying tag with a bank database and an electronic wallet database;
retrieving a first attribute associated with the bank account, and second attribute associated with the electronic wallet;
identifying a bank name based on the first attribute, electronic wallet name based on the second attribute; and
rendering the plurality of record on the first device of the transferer, wherein only bank name or electronic wallet name is rendered.
9. The method as claimed in claim 8, further comprises recommending a preferred record from the plurality of records to the transferer of the transferee, wherein an AI module is configured to recommend the preferred account.
10. The method as claimed in claim 8, further comprises receiving from the first device a selected record, by the transferer, wherein the selected record is either any record from the plurality of records or the preferred record.
11. The method as claimed in claim 8, further comprises initiating a communication link between e-token gateways of the transferer and the record selected for the transferee.
12. A system for facilitating e-token exchanges, the system comprising:
a plurality of user devices (100), wherein each user device is registered with a user, wherein at least two user devices (first user device (100a) and second user device (100b)) are from the plurality of user devices (100);
a server (102), wherein the server (300) is communicatively connected with a plurality of user devices (100);
an input module (120), of the first user device (100a) configured to capture an input data of the second user device (100b);
a recognizing module (111), to confirm the initiation of an exchange based on certain identifiers;
a processor (110), wherein the processor (110) is configured to detect an initiation of the exchange and generate an exchange initiation prompt to be sent to the second user device (100b) for confirmation, wherein the processor (110) is further configured to receive the confirmed exchange initiation prompt to initiate the extraction of all related account details of the second user device (100b);
an extraction module (112), of the first user device (100a) configured to extract all the account details of the second user device (100b);
an output module (130), to enlist all the associated payment gateways of the extracted accounts by the processor (110);
characterized in that the processor (110) of the first user device (100a) allows the selection of payment gateway from the displayed list of the payment gateways, wherein the selected payment gateway can be either a similar or a different payment gateway from the first user device (100a) to complete a e-token exchange.
Dated this 31st Day of May 2022
Priyank Gupta
Agent for the Applicant
IN/PA-1454