AU2012262317A1 - A system for payment via electronic wallet - Google Patents

A system for payment via electronic wallet Download PDF

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Publication number
AU2012262317A1
AU2012262317A1 AU2012262317A AU2012262317A AU2012262317A1 AU 2012262317 A1 AU2012262317 A1 AU 2012262317A1 AU 2012262317 A AU2012262317 A AU 2012262317A AU 2012262317 A AU2012262317 A AU 2012262317A AU 2012262317 A1 AU2012262317 A1 AU 2012262317A1
Authority
AU
Australia
Prior art keywords
wallet
request
value token
sub
electronic
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.)
Abandoned
Application number
AU2012262317A
Other languages
English (en)
Inventor
Ansar Ansari
Tomas Ariel CAMPOS
Kellie D. Harper
Teri Llach
Keith Miller
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.)
Blackhawk Network Inc
Original Assignee
Blackhawk Network Inc
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
Application filed by Blackhawk Network Inc filed Critical Blackhawk Network Inc
Publication of AU2012262317A1 publication Critical patent/AU2012262317A1/en
Priority to AU2017210537A priority Critical patent/AU2017210537A1/en
Priority to AU2017218967A priority patent/AU2017218967A1/en
Priority to AU2019232775A priority patent/AU2019232775A1/en
Priority to AU2019246813A priority patent/AU2019246813A1/en
Priority to AU2021229141A priority patent/AU2021229141A1/en
Priority to AU2021236487A priority patent/AU2021236487A1/en
Priority to AU2023248078A priority patent/AU2023248078A1/en
Priority to AU2023258434A priority patent/AU2023258434A1/en
Abandoned 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or 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
    • 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
    • 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
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G06Q20/0655—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed centrally
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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]
    • 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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/384—Payment protocols; Details thereof using social networks
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4093—Monitoring of device authentication
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
AU2012262317A 2011-05-31 2012-05-30 A system for payment via electronic wallet Abandoned AU2012262317A1 (en)

Priority Applications (8)

Application Number Priority Date Filing Date Title
AU2017210537A AU2017210537A1 (en) 2011-05-31 2017-08-02 A system for payment via electronic wallet
AU2017218967A AU2017218967A1 (en) 2011-05-31 2017-08-22 A system for payment via electronic wallet
AU2019232775A AU2019232775A1 (en) 2011-05-31 2019-09-16 A system for payment via electronic wallet
AU2019246813A AU2019246813A1 (en) 2011-05-31 2019-10-09 A system for payment via electronic wallet
AU2021229141A AU2021229141A1 (en) 2011-05-31 2021-09-06 A system for payment via electronic wallet
AU2021236487A AU2021236487A1 (en) 2011-05-31 2021-09-22 A system for payment via electronic wallet
AU2023248078A AU2023248078A1 (en) 2011-05-31 2023-10-10 A system for payment via electronic wallet
AU2023258434A AU2023258434A1 (en) 2011-05-31 2023-11-03 A system for payment via electronic wallet

Applications Claiming Priority (9)

Application Number Priority Date Filing Date Title
US201161491813P 2011-05-31 2011-05-31
US201161491791P 2011-05-31 2011-05-31
US61/491,791 2011-05-31
US61/491,813 2011-05-31
US201161496397P 2011-06-13 2011-06-13
US201161496404P 2011-06-13 2011-06-13
US61/496,397 2011-06-13
US61/496,404 2011-06-13
PCT/US2012/039981 WO2012166790A1 (en) 2011-05-31 2012-05-30 A system for payment via electronic wallet

Related Child Applications (2)

Application Number Title Priority Date Filing Date
AU2017210537A Division AU2017210537A1 (en) 2011-05-31 2017-08-02 A system for payment via electronic wallet
AU2017218967A Division AU2017218967A1 (en) 2011-05-31 2017-08-22 A system for payment via electronic wallet

Publications (1)

Publication Number Publication Date
AU2012262317A1 true AU2012262317A1 (en) 2013-12-19

Family

ID=47259821

Family Applications (9)

Application Number Title Priority Date Filing Date
AU2012262317A Abandoned AU2012262317A1 (en) 2011-05-31 2012-05-30 A system for payment via electronic wallet
AU2017210537A Abandoned AU2017210537A1 (en) 2011-05-31 2017-08-02 A system for payment via electronic wallet
AU2017218967A Abandoned AU2017218967A1 (en) 2011-05-31 2017-08-22 A system for payment via electronic wallet
AU2019232775A Abandoned AU2019232775A1 (en) 2011-05-31 2019-09-16 A system for payment via electronic wallet
AU2019246813A Abandoned AU2019246813A1 (en) 2011-05-31 2019-10-09 A system for payment via electronic wallet
AU2021229141A Abandoned AU2021229141A1 (en) 2011-05-31 2021-09-06 A system for payment via electronic wallet
AU2021236487A Abandoned AU2021236487A1 (en) 2011-05-31 2021-09-22 A system for payment via electronic wallet
AU2023248078A Pending AU2023248078A1 (en) 2011-05-31 2023-10-10 A system for payment via electronic wallet
AU2023258434A Pending AU2023258434A1 (en) 2011-05-31 2023-11-03 A system for payment via electronic wallet

Family Applications After (8)

Application Number Title Priority Date Filing Date
AU2017210537A Abandoned AU2017210537A1 (en) 2011-05-31 2017-08-02 A system for payment via electronic wallet
AU2017218967A Abandoned AU2017218967A1 (en) 2011-05-31 2017-08-22 A system for payment via electronic wallet
AU2019232775A Abandoned AU2019232775A1 (en) 2011-05-31 2019-09-16 A system for payment via electronic wallet
AU2019246813A Abandoned AU2019246813A1 (en) 2011-05-31 2019-10-09 A system for payment via electronic wallet
AU2021229141A Abandoned AU2021229141A1 (en) 2011-05-31 2021-09-06 A system for payment via electronic wallet
AU2021236487A Abandoned AU2021236487A1 (en) 2011-05-31 2021-09-22 A system for payment via electronic wallet
AU2023248078A Pending AU2023248078A1 (en) 2011-05-31 2023-10-10 A system for payment via electronic wallet
AU2023258434A Pending AU2023258434A1 (en) 2011-05-31 2023-11-03 A system for payment via electronic wallet

Country Status (9)

Country Link
JP (4) JP2014519657A (zh)
KR (4) KR20200138828A (zh)
CN (2) CN106803176A (zh)
AU (9) AU2012262317A1 (zh)
CA (2) CA3161647A1 (zh)
GB (1) GB2505382A (zh)
IN (1) IN2013DN11079A (zh)
MX (1) MX2013013903A (zh)
WO (1) WO2012166790A1 (zh)

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