CA3027611C - Traitement accelere de transactions de paiement electronique - Google Patents

Traitement accelere de transactions de paiement electronique Download PDF

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Publication number
CA3027611C
CA3027611C CA3027611A CA3027611A CA3027611C CA 3027611 C CA3027611 C CA 3027611C CA 3027611 A CA3027611 A CA 3027611A CA 3027611 A CA3027611 A CA 3027611A CA 3027611 C CA3027611 C CA 3027611C
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CA
Canada
Prior art keywords
payment
swipe
card
electronic
terminal
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
CA3027611A
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English (en)
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CA3027611A1 (fr
Inventor
David Terra
Koun Han
Michael Wells White
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
Block Inc
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Filing date
Publication date
Priority claimed from US15/197,708 external-priority patent/US9785930B1/en
Priority claimed from US15/197,711 external-priority patent/US10417628B2/en
Application filed by Block Inc filed Critical Block Inc
Priority to CA3198159A priority Critical patent/CA3198159A1/fr
Publication of CA3027611A1 publication Critical patent/CA3027611A1/fr
Application granted granted Critical
Publication of CA3027611C publication Critical patent/CA3027611C/fr
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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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
    • G06Q20/38—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
    • 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
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of 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
    • G06Q20/34—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
    • 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G07F7/12—Card verification
    • G07F7/127—Card verification in which both online and offline card verification can take place

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Pinball Game Machines (AREA)
  • Heat Sensitive Colour Forming Recording (AREA)

Abstract

Dans un mode de traitement accéléré, un terminal de paiement peut recevoir une demande de traitement d'informations de paiement électronique provenant d'une carte à puce. Le terminal de paiement peut transmettre une demande d'adhésion. Si un utilisateur accepte, le terminal de paiement peut recevoir une demande de paiement et demander une réponse de paiement électronique de la carte à puce. Le terminal de paiement peut recevoir la réponse de paiement électronique provenant de la carte à puce et la stocker en mémoire au niveau du terminal de paiement. Le terminal de paiement peut approuver la transaction de paiement associée à la réponse de paiement électronique, ce qui permet de retirer la carte à puce du terminal de paiement. Le terminal de paiement peut traiter d'autres demandes de paiement et associer des indicateurs de type de paiement et de temps à chaque réponse de paiement électronique. Il peut transmettre des demandes d'approbation à un ou plusieurs serveurs de paiement lorsqu'il détermine qu'elles peuvent être transmises, et, pour chaque demande, recevoir une réponse d'approbation de paiement.
CA3027611A 2016-06-29 2017-06-29 Traitement accelere de transactions de paiement electronique Active CA3027611C (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CA3198159A CA3198159A1 (fr) 2016-06-29 2017-06-29 Traitement accelere de transactions de paiement electronique

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US15/197,708 US9785930B1 (en) 2016-06-29 2016-06-29 Expedited processing of electronic payment transactions
US15/197,708 2016-06-29
US15/197,711 2016-06-29
US15/197,711 US10417628B2 (en) 2016-06-29 2016-06-29 Multi-interface processing of electronic payment transactions
PCT/US2017/039858 WO2018005717A1 (fr) 2016-06-29 2017-06-29 Traitement accéléré de transactions de paiement électronique

Related Child Applications (1)

Application Number Title Priority Date Filing Date
CA3198159A Division CA3198159A1 (fr) 2016-06-29 2017-06-29 Traitement accelere de transactions de paiement electronique

Publications (2)

Publication Number Publication Date
CA3027611A1 CA3027611A1 (fr) 2018-01-04
CA3027611C true CA3027611C (fr) 2023-06-27

Family

ID=59337893

Family Applications (2)

Application Number Title Priority Date Filing Date
CA3198159A Pending CA3198159A1 (fr) 2016-06-29 2017-06-29 Traitement accelere de transactions de paiement electronique
CA3027611A Active CA3027611C (fr) 2016-06-29 2017-06-29 Traitement accelere de transactions de paiement electronique

Family Applications Before (1)

Application Number Title Priority Date Filing Date
CA3198159A Pending CA3198159A1 (fr) 2016-06-29 2017-06-29 Traitement accelere de transactions de paiement electronique

Country Status (5)

Country Link
EP (1) EP3479326A1 (fr)
JP (1) JP6731080B2 (fr)
AU (3) AU2017290124A1 (fr)
CA (2) CA3198159A1 (fr)
WO (1) WO2018005717A1 (fr)

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US10248940B1 (en) 2015-09-24 2019-04-02 Square, Inc. Modular firmware for transaction system
US10108412B2 (en) 2016-03-30 2018-10-23 Square, Inc. Blocking and non-blocking firmware update
US10417628B2 (en) 2016-06-29 2019-09-17 Square, Inc. Multi-interface processing of electronic payment transactions
US11010765B2 (en) 2016-06-29 2021-05-18 Square, Inc. Preliminary acquisition of payment information
US10817869B2 (en) 2016-06-29 2020-10-27 Square, Inc. Preliminary enablement of transaction processing circuitry
JP2020021186A (ja) * 2018-07-31 2020-02-06 富士通株式会社 トランザクション制御装置、トランザクション制御プログラムおよびトランザクション制御方法
CN110969519A (zh) * 2018-09-30 2020-04-07 上海柠睿企业服务合伙企业(有限合伙) 信息审核方法、装置、系统、终端、服务器及存储介质
US10990969B2 (en) 2018-12-21 2021-04-27 Square, Inc. Point of sale (POS) systems and methods for dynamically processing payment data based on payment reader capability
US10762196B2 (en) 2018-12-21 2020-09-01 Square, Inc. Point of sale (POS) systems and methods with dynamic kernel selection
US11049095B2 (en) 2018-12-21 2021-06-29 Square, Inc. Point of sale (POS) systems and methods with dynamic kernel selection
CN111249281B (zh) * 2020-03-26 2020-11-24 徐州医科大学 Trpml1特异性小分子抑制剂ml-si3的新用途

Family Cites Families (13)

* Cited by examiner, † Cited by third party
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KR0146624B1 (ko) * 1994-12-19 1998-09-15 김광호 신용거래용 카드 및 이를 이용한 신용거래장치 및 방법
US8548927B2 (en) * 2001-07-10 2013-10-01 Xatra Fund Mx, Llc Biometric registration for facilitating an RF transaction
KR20030086818A (ko) * 2002-05-07 2003-11-12 코리아까르떼코뮤니케이션 주식회사 오프라인 거래가 가능한 신용 지불 처리 방법 및 시스템
US20080203170A1 (en) * 2007-02-28 2008-08-28 Visa U.S.A. Inc. Fraud prevention for transit fare collection
JP2010244248A (ja) * 2009-04-03 2010-10-28 Dainippon Printing Co Ltd Ｉｃチップ及びデータ記憶方法等
US20100306076A1 (en) * 2009-05-29 2010-12-02 Ebay Inc. Trusted Integrity Manager (TIM)
US9911154B2 (en) * 2010-07-08 2018-03-06 Mastercard International Incorporated Apparatus and method for dynamic offline balance management for preauthorized smart cards
CA2860586C (fr) * 2012-01-13 2017-05-09 Ebay Inc. Systemes, procedes et produits programme d'ordinateur fournissant un paiement en cooperation avec des lecteurs de carte emv
US11222329B2 (en) * 2012-11-05 2022-01-11 Mastercard International Incorporated Electronic wallet apparatus, method, and computer program product
GB2519798B (en) * 2013-10-30 2017-06-07 Barclays Bank Plc Transaction authentication
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US20150149353A1 (en) * 2013-11-27 2015-05-28 Facebook, Inc. Methods and systems for obtaining merchant identification within payment authorization networks
JP6124034B2 (ja) * 2015-10-08 2017-05-10 パナソニックＩｐマネジメント株式会社 取引処理装置、取引処理方法、プログラム及び取引処理システム

Also Published As

Publication number Publication date
JP2019527873A (ja) 2019-10-03
CA3198159A1 (fr) 2018-01-04
AU2023200488A1 (en) 2023-03-02
AU2021201114A1 (en) 2021-03-11
EP3479326A1 (fr) 2019-05-08
WO2018005717A1 (fr) 2018-01-04
AU2017290124A1 (en) 2019-01-31
JP6731080B2 (ja) 2020-07-29
CA3027611A1 (fr) 2018-01-04

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CA3027611C (fr) Traitement accelere de transactions de paiement electronique
US20200410477A1 (en) Preliminary enablement of transaction processing circuitry
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