CA2813236C - Method of conducting financial transactions where a payer's financial account information is entered only once with a payment system - Google Patents

Method of conducting financial transactions where a payer's financial account information is entered only once with a payment system Download PDF

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Publication number
CA2813236C
CA2813236C CA2813236A CA2813236A CA2813236C CA 2813236 C CA2813236 C CA 2813236C CA 2813236 A CA2813236 A CA 2813236A CA 2813236 A CA2813236 A CA 2813236A CA 2813236 C CA2813236 C CA 2813236C
Authority
CA
Canada
Prior art keywords
party
electronic device
payment system
financial
location
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.)
Active
Application number
CA2813236A
Other languages
English (en)
French (fr)
Other versions
CA2813236A1 (en
Inventor
Jack Dorsey
William Henderson
Brian Grassadonia
James M. Mckelvey
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.)
Block Inc
Original Assignee
Square 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
Priority claimed from US12/903,823 external-priority patent/US8534546B2/en
Priority claimed from US12/985,982 external-priority patent/US8573486B2/en
Priority claimed from US13/005,822 external-priority patent/US8870070B2/en
Priority claimed from US13/010,976 external-priority patent/US9016572B2/en
Priority claimed from US13/012,495 external-priority patent/US8500018B2/en
Priority claimed from US13/043,270 external-priority patent/US8235287B2/en
Priority claimed from US13/043,203 external-priority patent/US8573487B2/en
Priority claimed from US13/043,268 external-priority patent/US8302860B2/en
Priority claimed from US13/043,263 external-priority patent/US8876003B2/en
Priority claimed from US13/043,258 external-priority patent/US8870071B2/en
Application filed by Square Inc filed Critical Square Inc
Publication of CA2813236A1 publication Critical patent/CA2813236A1/en
Publication of CA2813236C publication Critical patent/CA2813236C/en
Application granted granted Critical
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/08—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
    • G06K7/082—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors
    • G06K7/083—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors inductive
    • G06K7/084—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors inductive sensing magnetic material by relative movement detecting flux changes without altering its magnetised state
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/347—Passive cards
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Artificial Intelligence (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Telephonic Communication Services (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
CA2813236A 2010-10-13 2011-10-07 Method of conducting financial transactions where a payer's financial account information is entered only once with a payment system Active CA2813236C (en)

Applications Claiming Priority (25)

Application Number Priority Date Filing Date Title
US12/903,823 US8534546B2 (en) 2009-10-13 2010-10-13 Systems and methods for card present transaction without sharing card information
US12/903,753 2010-10-13
US12/903,823 2010-10-13
US12/903,753 US20110084139A1 (en) 2009-10-13 2010-10-13 Systems and methods for financial transaction through miniaturized card reader
US12/985,982 2011-01-06
US12/985,982 US8573486B2 (en) 2010-10-13 2011-01-06 Systems and methods for financial transaction through miniaturized card reader with confirmation of payment sent to buyer
US13/005,822 2011-01-13
US13/005,822 US8870070B2 (en) 2010-10-13 2011-01-13 Card reader device
US13/010,976 US9016572B2 (en) 2010-10-13 2011-01-21 Systems and methods for financial transaction through miniaturized card with ASIC
US13/010,976 2011-01-21
US13/012,495 US8500018B2 (en) 2010-10-13 2011-01-24 Systems and methods for financial transaction through miniaturized card reader with decoding on a seller's mobile device
US13/012,495 2011-01-24
US13/043,270 US8235287B2 (en) 2010-10-13 2011-03-08 Read head device with slot configured to reduce torque
US13/043,258 2011-03-08
US13/043,203 US8573487B2 (en) 2010-10-13 2011-03-08 Integrated read head device
US13/043,268 US8302860B2 (en) 2010-10-13 2011-03-08 Read head device with narrow card reading slot
US13/043,268 2011-03-08
US13/043,270 2011-03-08
US13/043,263 US8876003B2 (en) 2010-10-13 2011-03-08 Read head device with selected output jack characteristics
US13/043,258 US8870071B2 (en) 2010-10-13 2011-03-08 Read head device with selected sampling rate
US13/043,263 2011-03-08
US13/043,203 2011-03-08
US13/088,048 US9454866B2 (en) 2010-10-13 2011-04-15 Method of conducting financial transactions where a payer's financial account information is entered only once with a payment system
US13/088,048 2011-04-15
PCT/US2011/055394 WO2012051072A1 (en) 2010-10-13 2011-10-07 Method of conducting financial transactions where a payer's financial account information is entered only once with a payment system

Publications (2)

Publication Number Publication Date
CA2813236A1 CA2813236A1 (en) 2012-04-19
CA2813236C true CA2813236C (en) 2019-07-16

Family

ID=45938666

Family Applications (1)

Application Number Title Priority Date Filing Date
CA2813236A Active CA2813236C (en) 2010-10-13 2011-10-07 Method of conducting financial transactions where a payer's financial account information is entered only once with a payment system

Country Status (5)

Country Link
US (1) US9454866B2 (https=)
EP (1) EP2638512A4 (https=)
JP (2) JP2013541106A (https=)
CA (1) CA2813236C (https=)
WO (1) WO2012051072A1 (https=)

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US12475453B1 (en) * 2024-06-28 2025-11-18 Bank Of America Corporation Micro-data transfer using a dual transmission network

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US9454866B2 (en) 2016-09-27
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CA2813236A1 (en) 2012-04-19
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JP2017062844A (ja) 2017-03-30
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