CA3049789C - Methods and systems for enhanced consumer payment - Google Patents

Methods and systems for enhanced consumer payment Download PDF

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Publication number
CA3049789C
CA3049789C CA3049789A CA3049789A CA3049789C CA 3049789 C CA3049789 C CA 3049789C CA 3049789 A CA3049789 A CA 3049789A CA 3049789 A CA3049789 A CA 3049789A CA 3049789 C CA3049789 C CA 3049789C
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CA
Canada
Prior art keywords
transaction
consumer
merchant
information
service platform
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
CA3049789A
Other languages
English (en)
French (fr)
Other versions
CA3049789A1 (en
Inventor
Timothy Mu-Chu Lee
Gary E. Gerber
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.)
Visa International Service Association
Original Assignee
Visa International Service Association
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 Visa International Service Association filed Critical Visa International Service Association
Publication of CA3049789A1 publication Critical patent/CA3049789A1/en
Application granted granted Critical
Publication of CA3049789C publication Critical patent/CA3049789C/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Classifications

    • 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
    • G06Q20/38—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
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • 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
    • G06Q20/367—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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Development Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
CA3049789A 2006-04-05 2007-04-05 Methods and systems for enhanced consumer payment Active CA3049789C (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US74429706P 2006-04-05 2006-04-05
US60/744,297 2006-04-05
CA2648759A CA2648759C (en) 2006-04-05 2007-04-05 Methods and systems for enhanced consumer payment

Related Parent Applications (1)

Application Number Title Priority Date Filing Date
CA2648759A Division CA2648759C (en) 2006-04-05 2007-04-05 Methods and systems for enhanced consumer payment

Publications (2)

Publication Number Publication Date
CA3049789A1 CA3049789A1 (en) 2007-10-18
CA3049789C true CA3049789C (en) 2022-06-28

Family

ID=38581835

Family Applications (2)

Application Number Title Priority Date Filing Date
CA3049789A Active CA3049789C (en) 2006-04-05 2007-04-05 Methods and systems for enhanced consumer payment
CA2648759A Active CA2648759C (en) 2006-04-05 2007-04-05 Methods and systems for enhanced consumer payment

Family Applications After (1)

Application Number Title Priority Date Filing Date
CA2648759A Active CA2648759C (en) 2006-04-05 2007-04-05 Methods and systems for enhanced consumer payment

Country Status (11)

Country Link
US (1) US20070294184A1 (https=)
EP (1) EP2002588A4 (https=)
JP (2) JP2009532814A (https=)
KR (1) KR20090005314A (https=)
CN (1) CN101449509A (https=)
AU (1) AU2007234789B2 (https=)
BR (1) BRPI0709748A2 (https=)
CA (2) CA3049789C (https=)
MX (1) MX2008012675A (https=)
RU (1) RU2449481C2 (https=)
WO (1) WO2007118178A2 (https=)

Families Citing this family (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9760921B2 (en) * 2008-08-21 2017-09-12 Digital River, Inc. Half-graphical user interface order processing system and method
US20110022446A1 (en) * 2009-07-22 2011-01-27 Carney Ii Conrad R Simplified rebate redemption system
US8601266B2 (en) 2010-03-31 2013-12-03 Visa International Service Association Mutual mobile authentication using a key management center
US8606692B2 (en) 2010-11-08 2013-12-10 Bank Of America Corporation Processing loan transactions
US8914307B2 (en) 2010-11-08 2014-12-16 Bank Of America Corporation Processing loan transactions
US20120246071A1 (en) * 2011-03-21 2012-09-27 Nikhil Jain System and method for presentment of nonconfidential transaction token identifier
US20140095356A1 (en) * 2012-01-16 2014-04-03 Weyenot, Inc. Enhanced Microgift System and Method of Operation
US10043181B2 (en) * 2013-01-15 2018-08-07 Mastercard International Incorporated Systems and methods for processing off-network transaction messages
EP3678083A1 (en) 2014-04-08 2020-07-08 United States Postal Service System and method for find and deliver service
WO2016185337A1 (en) * 2015-05-18 2016-11-24 Visa International Service Association Method and system for authorizing a payment transaction
CN105631733A (zh) * 2016-01-22 2016-06-01 祝珂 一种商品订购系统及其订购方法
US10373199B2 (en) * 2016-02-11 2019-08-06 Visa International Service Association Payment device enrollment in linked offers
RU2625050C1 (ru) * 2016-04-25 2017-07-11 Акционерное общество "Лаборатория Касперского" Система и способ признания транзакций доверенными
US12493861B2 (en) 2023-01-05 2025-12-09 Mastercard International Incorporated Systems and methods for implementing off-network services

Family Cites Families (28)

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Publication number Priority date Publication date Assignee Title
US3582900A (en) * 1969-05-05 1971-06-01 Telecredit Information processing machine
US5794207A (en) * 1996-09-04 1998-08-11 Walker Asset Management Limited Partnership Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers
JP3367675B2 (ja) * 1993-12-16 2003-01-14 オープン マーケット インコーポレイテッド オープンネットワーク販売システム及び取引トランザクションのリアルタイムでの承認を行う方法
US5715314A (en) * 1994-10-24 1998-02-03 Open Market, Inc. Network sales system
US5892900A (en) * 1996-08-30 1999-04-06 Intertrust Technologies Corp. Systems and methods for secure transaction management and electronic rights protection
US5960411A (en) * 1997-09-12 1999-09-28 Amazon.Com, Inc. Method and system for placing a purchase order via a communications network
WO1999013424A1 (en) * 1997-09-12 1999-03-18 Amazon.Com, Inc. Method and system for placing a purchase order via a communications network
US6023688A (en) * 1997-11-28 2000-02-08 Diebold, Incorporated Transaction apparatus and method that identifies an authorized user by appearance and voice
US6327578B1 (en) * 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
US7249097B2 (en) * 1999-06-18 2007-07-24 Echarge Corporation Method for ordering goods, services, and content over an internetwork using a virtual payment account
EP1238355A4 (en) * 1999-11-30 2006-08-16 David Russell METHODS, SYSTEMS AND APPARATUS FOR SECURE INTERACTIONS
US6990464B1 (en) * 2000-01-11 2006-01-24 Ncr Corporation Apparatus, system and method for electronic book distribution
US20010044787A1 (en) * 2000-01-13 2001-11-22 Gil Shwartz Secure private agent for electronic transactions
US7552094B2 (en) * 2000-03-16 2009-06-23 Harexinfotech, Inc. Optical payment transceiver and system using the same
US6473738B1 (en) * 2000-03-23 2002-10-29 James Gordon Garrett Multiple-person buying information system with application to on-line merchandizing
EP1299865A2 (en) * 2000-07-11 2003-04-09 Paypal, Inc. System and method for third-party payment processing
US7266522B2 (en) * 2000-12-07 2007-09-04 International Business Machines Corporation Method and system in electronic commerce for uniquely identifying products to improve reliability and confidence in transactions initiated online
JP2002312567A (ja) * 2001-04-12 2002-10-25 Misawa Homes Co Ltd 顧客情報管理装置、顧客情報管理システム、顧客情報管理方法、および記録媒体
JP4560237B2 (ja) * 2001-05-24 2010-10-13 サンデン株式会社 自動販売機を利用した入金システム
JP2003030451A (ja) * 2001-07-19 2003-01-31 Hitachi Ltd 決済システム
JP2003123012A (ja) * 2001-10-16 2003-04-25 Hitachi Ltd 決済処理装置、決済処理方法
IES20030603A2 (en) * 2002-08-16 2004-02-25 Internet Payments Patents Ltd A funds transfer method and system
US20040148251A1 (en) * 2003-01-28 2004-07-29 Jerry Kavoun Method and system for providing funds for on-line gaming
WO2005003924A2 (en) * 2003-07-02 2005-01-13 Visa International Service Association Managing activation of cardholders in a secure authentication program
US8762283B2 (en) * 2004-05-03 2014-06-24 Visa International Service Association Multiple party benefit from an online authentication service
US20060212387A1 (en) * 2005-03-21 2006-09-21 Genzen Ltd. Method and system for administrating funding of product development
US8126882B2 (en) * 2007-12-12 2012-02-28 Google Inc. Credibility of an author of online content
US20130297510A1 (en) * 2012-05-04 2013-11-07 Ip Origins, Llc Financial intermediary for electronic commerce

Also Published As

Publication number Publication date
AU2007234789A1 (en) 2007-10-18
EP2002588A4 (en) 2011-11-30
WO2007118178A3 (en) 2007-12-13
AU2007234789B2 (en) 2011-10-06
JP2009532814A (ja) 2009-09-10
US20070294184A1 (en) 2007-12-20
CA2648759A1 (en) 2007-10-18
RU2449481C2 (ru) 2012-04-27
RU2008140850A (ru) 2010-04-20
WO2007118178A2 (en) 2007-10-18
CA2648759C (en) 2023-09-26
CA3049789A1 (en) 2007-10-18
CN101449509A (zh) 2009-06-03
JP2013157036A (ja) 2013-08-15
EP2002588A2 (en) 2008-12-17
KR20090005314A (ko) 2009-01-13
BRPI0709748A2 (pt) 2011-07-26
MX2008012675A (es) 2008-10-15

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