EP2962262A4 - Methods and arrangements for smartphone payments and transactions - Google Patents

Methods and arrangements for smartphone payments and transactions

Info

Publication number
EP2962262A4
EP2962262A4 EP14709848.7A EP14709848A EP2962262A4 EP 2962262 A4 EP2962262 A4 EP 2962262A4 EP 14709848 A EP14709848 A EP 14709848A EP 2962262 A4 EP2962262 A4 EP 2962262A4
Authority
EP
European Patent Office
Prior art keywords
transactions
arrangements
methods
payments
smartphone
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
EP14709848.7A
Other languages
German (de)
French (fr)
Other versions
EP2962262A2 (en
Inventor
Tony F Rodriguez
Bruce L Davis
Tomas Filler
Brian T Macintosh
Ravi K Sharma
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Digimarc Corp
Original Assignee
Digimarc Corp
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US13/792,764 external-priority patent/US9965756B2/en
Priority claimed from US13/873,117 external-priority patent/US9830588B2/en
Priority claimed from US14/074,072 external-priority patent/US20140258110A1/en
Priority claimed from US14/180,277 external-priority patent/US9311640B2/en
Application filed by Digimarc Corp filed Critical Digimarc Corp
Publication of EP2962262A2 publication Critical patent/EP2962262A2/en
Publication of EP2962262A4 publication Critical patent/EP2962262A4/en
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/306—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using TV related infrastructures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3221—Access to banking information through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
EP14709848.7A 2013-02-26 2014-02-26 Methods and arrangements for smartphone payments and transactions Ceased EP2962262A4 (en)

Applications Claiming Priority (8)

Application Number Priority Date Filing Date Title
US201361769701P 2013-02-26 2013-02-26
US13/792,764 US9965756B2 (en) 2013-02-26 2013-03-11 Methods and arrangements for smartphone payments
US13/873,117 US9830588B2 (en) 2013-02-26 2013-04-29 Methods and arrangements for smartphone payments
US201361825059P 2013-05-19 2013-05-19
US14/074,072 US20140258110A1 (en) 2013-03-11 2013-11-07 Methods and arrangements for smartphone payments and transactions
US201461938673P 2014-02-11 2014-02-11
US14/180,277 US9311640B2 (en) 2014-02-11 2014-02-13 Methods and arrangements for smartphone payments and transactions
PCT/US2014/018715 WO2014134180A2 (en) 2013-02-26 2014-02-26 Methods and arrangements for smartphone payments and transactions

Publications (2)

Publication Number Publication Date
EP2962262A2 EP2962262A2 (en) 2016-01-06
EP2962262A4 true EP2962262A4 (en) 2016-08-24

Family

ID=50272764

Family Applications (1)

Application Number Title Priority Date Filing Date
EP14709848.7A Ceased EP2962262A4 (en) 2013-02-26 2014-02-26 Methods and arrangements for smartphone payments and transactions

Country Status (3)

Country Link
EP (1) EP2962262A4 (en)
CN (1) CN105190659B (en)
WO (1) WO2014134180A2 (en)

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US9965756B2 (en) 2013-02-26 2018-05-08 Digimarc Corporation Methods and arrangements for smartphone payments
US9830588B2 (en) 2013-02-26 2017-11-28 Digimarc Corporation Methods and arrangements for smartphone payments
KR102405189B1 (en) 2013-10-30 2022-06-07 애플 인크. Displaying relevant user interface objects
US9311639B2 (en) 2014-02-11 2016-04-12 Digimarc Corporation Methods, apparatus and arrangements for device to device communication
US11461766B1 (en) 2014-04-30 2022-10-04 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US9652770B1 (en) 2014-04-30 2017-05-16 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US9483763B2 (en) 2014-05-29 2016-11-01 Apple Inc. User interface for payments
CN106538029B (en) 2014-06-27 2020-10-16 泰科弗勒克斯公司 Method and apparatus for transmitting data units
US10066959B2 (en) 2014-09-02 2018-09-04 Apple Inc. User interactions for a mapping application
KR101697599B1 (en) * 2015-06-04 2017-01-18 엘지전자 주식회사 Mobile terminal and method for controlling the same
US9940637B2 (en) 2015-06-05 2018-04-10 Apple Inc. User interface for loyalty accounts and private label accounts
US20160358133A1 (en) 2015-06-05 2016-12-08 Apple Inc. User interface for loyalty accounts and private label accounts for a wearable device
US10275116B2 (en) 2015-06-07 2019-04-30 Apple Inc. Browser with docked tabs
KR20170011181A (en) * 2015-07-21 2017-02-02 엘지전자 주식회사 Mobile terminal and paying method using extended display and finger scan thereof
US9955303B2 (en) 2015-07-21 2018-04-24 IP Funding Group, LLC Determining relative position with a BLE beacon
KR102576420B1 (en) 2016-01-15 2023-09-08 삼성전자 주식회사 Method and device for displaying indication of payment methods
US20170213206A1 (en) * 2016-01-25 2017-07-27 Apple Inc. Conducting transactions using electronic devices with geographically restricted non-native credentials
DK201770423A1 (en) 2016-06-11 2018-01-15 Apple Inc Activity and workout updates
CN106170809B (en) * 2016-06-22 2020-09-01 北京小米支付技术有限公司 Virtual card display method and device
WO2017219269A1 (en) * 2016-06-22 2017-12-28 北京小米移动软件有限公司 Method and device for activating virtual card
CN107665440A (en) * 2016-07-28 2018-02-06 腾讯科技（深圳）有限公司 Credit accounts system of selection and device
CN106921728A (en) 2016-08-31 2017-07-04 阿里巴巴集团控股有限公司 A kind of method for positioning user, information-pushing method and relevant device
US20180068313A1 (en) 2016-09-06 2018-03-08 Apple Inc. User interfaces for stored-value accounts
WO2018221935A1 (en) * 2017-05-29 2018-12-06 Lg Electronics Inc. Mobile terminal and method of controlling same
JP6736686B1 (en) 2017-09-09 2020-08-05 アップル インコーポレイテッドＡｐｐｌｅ Ｉｎｃ． Implementation of biometrics
KR102185854B1 (en) 2017-09-09 2020-12-02 애플 인크. Implementation of biometric authentication
CN107680608B (en) * 2017-09-27 2020-09-11 天津大学 Fountain code-based fragile watermark self-recovery method
CN110068328B (en) * 2018-01-22 2022-08-26 腾讯科技（深圳）有限公司 Navigation route generation method and device, computer readable storage medium and computer equipment
CN113421087A (en) * 2018-06-12 2021-09-21 创新先进技术有限公司 Payment processing method and device and server
US11551208B2 (en) 2018-10-04 2023-01-10 Verifone, Inc. Systems and methods for point-to-point encryption compliance
CN109615379B (en) * 2018-10-24 2023-04-21 创新先进技术有限公司 Generating method and device of rejection processing system
CN109598668B (en) * 2018-12-05 2023-03-14 吉林大学 Touch form digital watermark embedding and detecting method based on electrostatic force
US11328352B2 (en) 2019-03-24 2022-05-10 Apple Inc. User interfaces for managing an account
US11551190B1 (en) 2019-06-03 2023-01-10 Wells Fargo Bank, N.A. Instant network cash transfer at point of sale
IT201900019241A1 (en) * 2019-10-18 2021-04-18 Gaetano Rizzi METHOD AND SYSTEM FOR THE CONTROL OF ELECTRONIC PAYMENTS.
CN110991234A (en) * 2019-10-29 2020-04-10 深圳市龙岳科技有限公司 Face recognition equipment and auxiliary authentication method
CN110866580B (en) * 2019-10-31 2024-01-16 天星数科科技有限公司 Preprocessing method and device for configuring NFC smart card
CN110807502B (en) * 2019-10-31 2024-04-09 天星数科科技有限公司 NFC intelligent card configuration method and device
US11829499B2 (en) * 2020-03-26 2023-11-28 Bank Of America Corporation Securing PIN information using obfuscation by applying extra security layer
US11206544B2 (en) * 2020-04-13 2021-12-21 Apple Inc. Checkpoint identity verification on validation using mobile identification credential
US11314395B2 (en) 2020-05-29 2022-04-26 Apple Inc. Sharing and using passes or accounts
JP6889892B1 (en) * 2020-12-21 2021-06-18 株式会社Ｋｐｉソリューションズ Management system, server equipment, programs and methods
CN114979744B (en) * 2021-02-25 2024-03-19 腾讯科技（深圳）有限公司 Interface processing method, device, server and storage medium
CN113489763B (en) * 2021-06-18 2023-11-21 深圳软牛科技有限公司 Method, device, equipment and storage medium for closing and searching My mobile phone function
US11556264B1 (en) 2021-07-26 2023-01-17 Bank Of America Corporation Offline data transfer between devices using gestures
US20230063333A1 (en) * 2021-08-30 2023-03-02 Mastercard International Incorporated Data analysis to determine offers made to credit card customers
CN116868740A (en) * 2023-06-30 2023-10-13 广东环境保护工程职业学院 Plant maintenance method, device, system and medium

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Also Published As

Publication number Publication date
WO2014134180A2 (en) 2014-09-04
EP2962262A2 (en) 2016-01-06
CN105190659A (en) 2015-12-23
CN105190659B (en) 2021-02-05
WO2014134180A3 (en) 2015-01-08

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