BRPI0912714A2 - sistema móvel de comércio, dispositivo de comunicações móvel, e, método para efetuar uma transação comercial em tempo real com segurança - Google Patents

sistema móvel de comércio, dispositivo de comunicações móvel, e, método para efetuar uma transação comercial em tempo real com segurança

Info

Publication number
BRPI0912714A2
BRPI0912714A2 BRPI0912714A BRPI0912714A BRPI0912714A2 BR PI0912714 A2 BRPI0912714 A2 BR PI0912714A2 BR PI0912714 A BRPI0912714 A BR PI0912714A BR PI0912714 A BRPI0912714 A BR PI0912714A BR PI0912714 A2 BRPI0912714 A2 BR PI0912714A2
Authority
BR
Brazil
Prior art keywords
mobile
real
communications device
trading system
business transaction
Prior art date
Application number
BRPI0912714A
Other languages
English (en)
Inventor
Cedric Ronald Franz
Original Assignee
Fundamo Pty Ltd
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 Fundamo Pty Ltd filed Critical Fundamo Pty Ltd
Publication of BRPI0912714A2 publication Critical patent/BRPI0912714A2/pt

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
    • G06Q20/326—Payment applications installed on the mobile 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • G06Q20/356—Aspects of software for card payments
    • G06Q20/3563—Software being resident on card
    • 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
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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
    • G06Q2220/00—Business processing using cryptography
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
BRPI0912714A 2008-05-14 2009-05-12 sistema móvel de comércio, dispositivo de comunicações móvel, e, método para efetuar uma transação comercial em tempo real com segurança BRPI0912714A2 (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA200804181 2008-05-14
PCT/IB2009/005566 WO2009138848A2 (en) 2008-05-14 2009-05-12 Mobile commerce payment system

Publications (1)

Publication Number Publication Date
BRPI0912714A2 true BRPI0912714A2 (pt) 2015-10-13

Family

ID=41319111

Family Applications (1)

Application Number Title Priority Date Filing Date
BRPI0912714A BRPI0912714A2 (pt) 2008-05-14 2009-05-12 sistema móvel de comércio, dispositivo de comunicações móvel, e, método para efetuar uma transação comercial em tempo real com segurança

Country Status (6)

Country Link
US (4) US9280769B2 (pt)
EP (1) EP2304663A2 (pt)
AU (1) AU2009247677B2 (pt)
BR (1) BRPI0912714A2 (pt)
WO (1) WO2009138848A2 (pt)
ZA (1) ZA200903256B (pt)

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US11257080B2 (en) 2007-05-04 2022-02-22 Michael Sasha John Fraud deterrence for secure transactions
US8078515B2 (en) * 2007-05-04 2011-12-13 Michael Sasha John Systems and methods for facilitating electronic transactions and deterring fraud
US11080678B2 (en) 2008-05-09 2021-08-03 Verient, Inc. Payment processing platform
US9953313B2 (en) 2008-05-09 2018-04-24 Verient, Inc. System and method for distributed payment products
US9280769B2 (en) * 2008-05-14 2016-03-08 Visa Cape Town (Pty) Ltd. Mobile commerce payment system
US20090307140A1 (en) * 2008-06-06 2009-12-10 Upendra Mardikar Mobile device over-the-air (ota) registration and point-of-sale (pos) payment
US9373141B1 (en) * 2009-09-23 2016-06-21 Verient, Inc. System and method for automatically filling webpage fields
US10454693B2 (en) 2009-09-30 2019-10-22 Visa International Service Association Mobile payment application architecture
US8862767B2 (en) 2011-09-02 2014-10-14 Ebay Inc. Secure elements broker (SEB) for application communication channel selector optimization
US20130232084A1 (en) * 2011-09-30 2013-09-05 Turkcell Teknoloji Arastirma Ve Gelistirme Anonim Sirketi Mobile Financial Transaction System and Method
US8620805B2 (en) 2012-03-27 2013-12-31 Citicorp Credit Services, Inc. Methods and systems for processing payments globally over one of a plurality of processing paths
US20130346317A1 (en) * 2012-06-26 2013-12-26 Tareq Augustino Korkis Personal Communications Applications, Devices and Systems
CN103856458B (zh) * 2012-12-04 2018-12-11 腾讯科技（深圳）有限公司 页面认证方法及装置
US9866382B2 (en) 2012-12-21 2018-01-09 Mobile Iron, Inc. Secure app-to-app communication
US9059974B2 (en) * 2012-12-21 2015-06-16 Mobile Iron, Inc. Secure mobile app connection bus
KR102255458B1 (ko) 2013-07-15 2021-05-25 비자 인터네셔널 서비스 어소시에이션 보안 원격 지불 거래 처리
US9646303B2 (en) * 2013-08-15 2017-05-09 Visa International Service Association Secure remote payment transaction processing using a secure element
CN115358746A (zh) 2013-09-20 2022-11-18 维萨国际服务协会 包括消费者认证的安全远程支付交易处理
US20160012433A1 (en) * 2014-07-09 2016-01-14 Paydunk, Llc Systems and methods for sending payment data using a mobile electronic device to transact with other computing devices
US10484345B2 (en) 2014-07-31 2019-11-19 Visa International Service Association System and method for identity verification across mobile applications
CN113535382A (zh) * 2016-12-23 2021-10-22 创新先进技术有限公司 资源处理方法及装置
US11102646B1 (en) 2020-03-17 2021-08-24 Sprint Communications Company L.P. Triggering electronic subscriber identity module activation
US11115810B1 (en) 2020-03-17 2021-09-07 Sprint Communications Company L.P. Bootstrap electronic subscriber identity module configuration
US10887741B1 (en) * 2020-03-17 2021-01-05 Sprint Communications Company L.P. Activation communication addresses of internet of things devices
US11140543B1 (en) 2020-05-21 2021-10-05 Sprint Communications Company L.P. Embedded subscriber identity module (eSIM) profile adaptation based on context
US11190985B1 (en) 2020-05-28 2021-11-30 Sprint Communications Company L.P. Internet of things (IoT) devices wireless communication service management platform
US11477636B1 (en) 2020-09-16 2022-10-18 Sprint Communications Company L.P. Electronic subscriber identity module (eSIM) profile provisioning
US11310654B1 (en) 2020-09-16 2022-04-19 Sprint Communications Company L.P. Electronic subscriber identity module (eSIM) profile delivery and activation system and methods

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EP1125262A1 (en) * 1998-10-27 2001-08-22 Visa International Service Association Delegated management of smart card applications
US20070111713A1 (en) * 1999-05-25 2007-05-17 Silverbrook Research Pty Ltd Method for accessing content from a computer network via a mobile phone using a two-step retrieval process
US7729986B1 (en) * 1999-07-30 2010-06-01 Visa International Service Association Smart card transactions using wireless telecommunications network
US7953671B2 (en) * 1999-08-31 2011-05-31 American Express Travel Related Services Company, Inc. Methods and apparatus for conducting electronic transactions
GB2366432A (en) 2000-09-04 2002-03-06 Sonera Smarttrust Oy Secure electronic payment system
US7336973B2 (en) * 2002-10-30 2008-02-26 Way Systems, Inc Mobile communication device equipped with a magnetic stripe reader
US20040019564A1 (en) * 2002-07-26 2004-01-29 Scott Goldthwaite System and method for payment transaction authentication
US20050222961A1 (en) * 2004-04-05 2005-10-06 Philippe Staib System and method of facilitating contactless payment transactions across different payment systems using a common mobile device acting as a stored value device
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Also Published As

Publication number Publication date
WO2009138848A3 (en) 2010-11-25
US20160148203A1 (en) 2016-05-26
US20200065804A1 (en) 2020-02-27
US11481767B2 (en) 2022-10-25
AU2009247677B2 (en) 2014-09-04
ZA200903256B (en) 2010-06-30
US20160148204A1 (en) 2016-05-26
US20110246374A1 (en) 2011-10-06
AU2009247677A1 (en) 2009-11-19
EP2304663A2 (en) 2011-04-06
US9280769B2 (en) 2016-03-08
US10489782B2 (en) 2019-11-26
WO2009138848A2 (en) 2009-11-19
US10489783B2 (en) 2019-11-26

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Legal Events

Date Code Title Description
B08F Application dismissed because of non-payment of annual fees [chapter 8.6 patent gazette]

Free format text: REFERENTE A 6A ANUIDADE.

B08K Patent lapsed as no evidence of payment of the annual fee has been furnished to inpi [chapter 8.11 patent gazette]

Free format text: EM VIRTUDE DO ARQUIVAMENTO PUBLICADO NA RPI 2344 DE 08-12-2015 E CONSIDERANDO AUSENCIA DE MANIFESTACAO DENTRO DOS PRAZOS LEGAIS, INFORMO QUE CABE SER MANTIDO O ARQUIVAMENTO DO PEDIDO DE PATENTE, CONFORME O DISPOSTO NO ARTIGO 12, DA RESOLUCAO 113/2013.