CA2839150C - Payment selection and authorization by a mobile device - Google Patents

Payment selection and authorization by a mobile device Download PDF

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Publication number
CA2839150C
CA2839150C CA2839150A CA2839150A CA2839150C CA 2839150 C CA2839150 C CA 2839150C CA 2839150 A CA2839150 A CA 2839150A CA 2839150 A CA2839150 A CA 2839150A CA 2839150 C CA2839150 C CA 2839150C
Authority
CA
Canada
Prior art keywords
user
payment
request
merchant
authorization
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
CA2839150A
Other languages
English (en)
French (fr)
Other versions
CA2839150A1 (en
Inventor
Robert Hanson
Brad L. Seeley
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.)
Amazon Technologies Inc
Original Assignee
Amazon Technologies 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 US13/170,144 external-priority patent/US20120330788A1/en
Priority claimed from US13/170,121 external-priority patent/US10055740B2/en
Application filed by Amazon Technologies Inc filed Critical Amazon Technologies Inc
Publication of CA2839150A1 publication Critical patent/CA2839150A1/en
Application granted granted Critical
Publication of CA2839150C publication Critical patent/CA2839150C/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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
    • G06Q20/322—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
    • G06Q20/38—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
    • G06Q20/38—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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation

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)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Telephonic Communication Services (AREA)
CA2839150A 2011-06-27 2012-06-26 Payment selection and authorization by a mobile device Active CA2839150C (en)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US13/170,121 2011-06-27
US13/170,144 US20120330788A1 (en) 2011-06-27 2011-06-27 Payment selection and authorization by a mobile device
US13/170,121 US10055740B2 (en) 2011-06-27 2011-06-27 Payment selection and authorization
US13/170,144 2011-06-27
PCT/US2012/044246 WO2013003372A1 (en) 2011-06-27 2012-06-26 Payment selection and authorization by a mobile device

Publications (2)

Publication Number Publication Date
CA2839150A1 CA2839150A1 (en) 2013-01-03
CA2839150C true CA2839150C (en) 2018-02-13

Family

ID=47424510

Family Applications (1)

Application Number Title Priority Date Filing Date
CA2839150A Active CA2839150C (en) 2011-06-27 2012-06-26 Payment selection and authorization by a mobile device

Country Status (5)

Country Link
EP (1) EP2724523A4 (zh)
JP (2) JP5957524B2 (zh)
CN (1) CN103765861B (zh)
CA (1) CA2839150C (zh)
WO (1) WO2013003372A1 (zh)

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US20210374737A1 (en) * 2015-06-19 2021-12-02 Paypal, Inc. Split path data communication

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US8600120B2 (en) 2008-01-03 2013-12-03 Apple Inc. Personal computing device control using face detection and recognition
US9002322B2 (en) 2011-09-29 2015-04-07 Apple Inc. Authentication with secondary approver
US11080701B2 (en) 2015-07-02 2021-08-03 Royal Bank Of Canada Secure processing of electronic payments
US11210648B2 (en) 2012-10-17 2021-12-28 Royal Bank Of Canada Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments
US9082119B2 (en) 2012-10-17 2015-07-14 Royal Bank of Canada. Virtualization and secure processing of data
US11080700B2 (en) 2015-01-19 2021-08-03 Royal Bank Of Canada Secure processing of electronic payments
US9898642B2 (en) 2013-09-09 2018-02-20 Apple Inc. Device, method, and graphical user interface for manipulating user interfaces based on fingerprint sensor inputs
CN104703124B (zh) * 2013-12-06 2018-10-16 阿里巴巴集团控股有限公司 对象信息获得方法及系统
US10482461B2 (en) 2014-05-29 2019-11-19 Apple Inc. User interface for payments
CN115545699B (zh) * 2014-05-29 2024-04-23 苹果公司 用于支付的用户接口
CN105450583B (zh) 2014-07-03 2019-07-05 阿里巴巴集团控股有限公司 一种信息认证的方法及装置
CN105446992A (zh) 2014-07-08 2016-03-30 阿里巴巴集团控股有限公司 建立商品对象回收信息数据库、确定价值信息方法及装置
CN105450411B (zh) 2014-08-14 2019-01-08 阿里巴巴集团控股有限公司 利用卡片特征进行身份验证的方法、装置及系统
CN105354190A (zh) * 2014-08-18 2016-02-24 阿里巴巴集团控股有限公司 一种数值信息转移方法及装置
WO2016036552A1 (en) 2014-09-02 2016-03-10 Apple Inc. User interactions for a mapping application
AU2015330644A1 (en) 2014-10-10 2017-04-20 Royal Bank Of Canada Systems for processing electronic transactions
CN105590211B (zh) * 2014-10-21 2019-11-15 腾讯科技（深圳）有限公司 一种数据转移的方法、装置及系统
CN105654293B (zh) * 2014-12-03 2020-01-17 阿里巴巴集团控股有限公司 支付方法及装置
CN105719183A (zh) 2014-12-03 2016-06-29 阿里巴巴集团控股有限公司 定向转账方法及其装置
US11354651B2 (en) 2015-01-19 2022-06-07 Royal Bank Of Canada System and method for location-based token transaction processing
CN105869043A (zh) 2015-01-19 2016-08-17 阿里巴巴集团控股有限公司 分散热点的数据库账户转入、转出的记账方法及装置
US20160224973A1 (en) * 2015-02-01 2016-08-04 Apple Inc. User interface for payments
CN105989467A (zh) 2015-02-03 2016-10-05 阿里巴巴集团控股有限公司 无线支付方法与装置及交通工具乘坐费检验方法与系统
KR102460459B1 (ko) * 2015-02-27 2022-10-28 삼성전자주식회사 전자 장치를 이용한 카드 서비스 방법 및 장치
JP2016218861A (ja) * 2015-05-22 2016-12-22 大日本印刷株式会社 支払可否決定システム、携帯端末、装置およびそれらのプログラム
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
US11599879B2 (en) 2015-07-02 2023-03-07 Royal Bank Of Canada Processing of electronic transactions
KR102463753B1 (ko) * 2015-08-06 2022-11-07 에스케이플래닛 주식회사 실적 달성을 고려한 카드 분할 결제를 위한 사용자 장치, 서비스 제공 장치, pos 단말, 그를 포함하는 결제 시스템, 그의 제어 방법 및 컴퓨터 프로그램이 기록된 기록매체
CN106570009B (zh) 2015-10-09 2020-07-28 阿里巴巴集团控股有限公司 导航类目更新方法及装置
EP3179432A1 (en) * 2015-12-11 2017-06-14 Mastercard International Incorporated Delegation of transactions
EP3179431A1 (en) * 2015-12-11 2017-06-14 Mastercard International Incorporated User authentication for transactions
CN106651379A (zh) * 2016-11-17 2017-05-10 北京小米移动软件有限公司 支付方法及装置
CN117077102A (zh) 2017-09-09 2023-11-17 苹果公司 生物识别认证的实现
WO2019108130A1 (en) * 2017-11-29 2019-06-06 Mastercard Asia/Pacific Pte. Ltd. A payment transaction system for processing a tokenized transaction over a domestic switch
CN108734371A (zh) 2018-02-12 2018-11-02 阿里巴巴集团控股有限公司 一种针对风控指令的处理方法、装置及设备
CN108632348B (zh) 2018-03-19 2020-02-18 阿里巴巴集团控股有限公司 一种业务校验方法和装置
US11170085B2 (en) 2018-06-03 2021-11-09 Apple Inc. Implementation of biometric authentication
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TWI789971B (zh) * 2020-05-15 2023-01-11 華南商業銀行股份有限公司 交互判斷合法性的交易驗證系統及方法
TWI789972B (zh) * 2020-05-15 2023-01-11 華南商業銀行股份有限公司 可中斷連接之交易驗證系統及方法
EP4281884A4 (en) * 2021-01-19 2024-03-06 Visa Int Service Ass SYSTEM AND PROCEDURES FOR INTERACTION REQUESTS

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20210201323A1 (en) * 2013-10-30 2021-07-01 Tencent Technology (Shenzhen) Company Limited Information transmission method, apparatus and system
US11972428B2 (en) * 2013-10-30 2024-04-30 Tencent Technology (Shenzhen) Company Limited Information transmission method, apparatus and system
US20210374737A1 (en) * 2015-06-19 2021-12-02 Paypal, Inc. Split path data communication

Also Published As

Publication number Publication date
CA2839150A1 (en) 2013-01-03
CN103765861A (zh) 2014-04-30
EP2724523A4 (en) 2014-12-03
JP2014522022A (ja) 2014-08-28
JP5957524B2 (ja) 2016-07-27
CN103765861B (zh) 2016-08-17
JP2016131033A (ja) 2016-07-21
EP2724523A1 (en) 2014-04-30
WO2013003372A1 (en) 2013-01-03
JP6254204B2 (ja) 2017-12-27

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Effective date: 20131211