CA3066021A1 - Mobile payment roaming - Google Patents
Mobile payment roaming Download PDFInfo
- Publication number
- CA3066021A1 CA3066021A1 CA3066021A CA3066021A CA3066021A1 CA 3066021 A1 CA3066021 A1 CA 3066021A1 CA 3066021 A CA3066021 A CA 3066021A CA 3066021 A CA3066021 A CA 3066021A CA 3066021 A1 CA3066021 A1 CA 3066021A1
- Authority
- CA
- Canada
- Prior art keywords
- server
- pan
- roaming
- token
- home
- 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.)
- Pending
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
- G06Q20/30—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
- G06Q20/3672—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 initialising or reloading thereof
-
- 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
-
- 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]
- G06Q20/3224—Transactions dependent on location of 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
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- 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
-
- 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
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- 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
- G06Q2220/00—Business processing using cryptography
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)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Mobile Radio Communication Systems (AREA)
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| EP17305734.0 | 2017-06-15 | ||
| EP17305734.0A EP3416122A1 (en) | 2017-06-15 | 2017-06-15 | Mobile payment roaming |
| PCT/EP2018/063697 WO2018228798A1 (en) | 2017-06-15 | 2018-05-24 | Mobile payment roaming |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CA3066021A1 true CA3066021A1 (en) | 2018-12-20 |
Family
ID=59215679
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA3066021A Pending CA3066021A1 (en) | 2017-06-15 | 2018-05-24 | Mobile payment roaming |
Country Status (10)
| Country | Link |
|---|---|
| US (2) | US11403623B2 (https=) |
| EP (2) | EP3416122A1 (https=) |
| JP (1) | JP7265489B2 (https=) |
| CN (1) | CN110753943B (https=) |
| AU (2) | AU2018283198A1 (https=) |
| BR (1) | BR112019026580A2 (https=) |
| CA (1) | CA3066021A1 (https=) |
| ES (1) | ES3033832T3 (https=) |
| RU (1) | RU2742220C1 (https=) |
| WO (1) | WO2018228798A1 (https=) |
Families Citing this family (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112669165B (zh) * | 2019-09-27 | 2024-06-25 | 徐蔚 | 一种应用数字人码链的统一接入方法 |
| US20240232846A9 (en) * | 2021-02-25 | 2024-07-11 | Visa International Service Association | Digital tag including request for interaction |
| EP4414920A1 (en) | 2023-02-13 | 2024-08-14 | Giesecke+Devrient ePayments GmbH | System and method for enabling multi-channel, multi-currency international transactions for domestic payment schemes |
Family Cites Families (52)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| FI102860B (fi) * | 1995-11-07 | 1999-02-26 | Nokia Telecommunications Oy | Menetelmä ja järjestelmä elektronisen maksutapahtuman suorittamiseksi |
| EP0917119A3 (en) * | 1997-11-12 | 2001-01-10 | Citicorp Development Center, Inc. | Distributed network based electronic wallet |
| US7248855B2 (en) * | 1998-09-15 | 2007-07-24 | Upaid Systems, Ltd. | Convergent communications system and method with a rule set for authorizing, debiting, settling and recharging a mobile commerce account |
| US7376621B1 (en) * | 2000-01-26 | 2008-05-20 | Paybyclick Corporation | Method and apparatus for conducting electronic commerce transactions using electronic tokens |
| JP2002123772A (ja) * | 2000-10-11 | 2002-04-26 | Hewlett Packard Co <Hp> | 時間や支払い装置の場所に無関係の種々のネットワーク組織による支払いローミング |
| US6901429B2 (en) * | 2000-10-27 | 2005-05-31 | Eric Morgan Dowling | Negotiated wireless peripheral security systems |
| KR101140910B1 (ko) * | 2001-06-29 | 2012-07-03 | 유페이드 시스템스 엘티디 | 이종 네트워크 환경에서 융합 통신 플랫폼과 모바일 및 전자 상거래 방법 |
| US7640579B2 (en) | 2005-09-09 | 2009-12-29 | Microsoft Corporation | Securely roaming digital identities |
| US7886969B2 (en) * | 2005-12-06 | 2011-02-15 | Visa U.S.A. Inc. | Method and system for loading and reloading portable consumer devices |
| EP1821249A1 (en) * | 2006-02-14 | 2007-08-22 | Lufthansa AirPlus Servicekarten GmbH | Technique for interconnecting card payment networks |
| US20090070246A1 (en) * | 2007-09-10 | 2009-03-12 | First Data Corporation | Electronic Financial Transaction Routing |
| CA2725424A1 (en) * | 2008-04-21 | 2009-10-29 | Kamalini Malhotra | Apparatus, method and system for facilitating payment of monetary transactions |
| US20120271757A9 (en) * | 2008-05-09 | 2012-10-25 | Shakkarwar Rajesh G | Systems and methods for managing accounts payable |
| PT3667588T (pt) * | 2009-02-14 | 2021-06-17 | Boloro Global Ltd | Método de pagamento e faturação seguro utilizando número ou conta de telemóvel |
| US20100258620A1 (en) * | 2009-04-10 | 2010-10-14 | Denise Torreyson | Methods and systems for linking multiple accounts |
| CN101646153A (zh) * | 2009-09-03 | 2010-02-10 | 中兴通讯股份有限公司 | 支持漫游用户的移动电话支付系统、方法及相关装置 |
| US20130185166A1 (en) * | 2010-07-20 | 2013-07-18 | Moqom Limited | Cardholder mobile device positioning system and method |
| US9342832B2 (en) * | 2010-08-12 | 2016-05-17 | Visa International Service Association | Securing external systems with account token substitution |
| US9280765B2 (en) * | 2011-04-11 | 2016-03-08 | Visa International Service Association | Multiple tokenization for authentication |
| US8768830B1 (en) * | 2011-09-08 | 2014-07-01 | Citibank, N.A. | Method and system for a multi-purpose transactional platform |
| US10373152B2 (en) | 2011-12-13 | 2019-08-06 | Visa International Service Association | Integrated mobile trusted service manager |
| US20130254102A1 (en) * | 2012-03-20 | 2013-09-26 | First Data Corporation | Systems and Methods for Distributing Tokenization and De-Tokenization Services |
| US20130297501A1 (en) * | 2012-05-04 | 2013-11-07 | Justin Monk | System and method for local data conversion |
| US20140164243A1 (en) * | 2012-12-07 | 2014-06-12 | Christian Aabye | Dynamic Account Identifier With Return Real Account Identifier |
| US10043181B2 (en) * | 2013-01-15 | 2018-08-07 | Mastercard International Incorporated | Systems and methods for processing off-network transaction messages |
| US10019766B2 (en) * | 2013-01-31 | 2018-07-10 | Facebook, Inc. | Method, medium, and system for enabling gift card transactions |
| US10311426B2 (en) * | 2013-02-05 | 2019-06-04 | Visa International Service Association | Integrated communications network for transactions |
| US10460307B2 (en) * | 2013-03-13 | 2019-10-29 | Rogers Communications Inc. | Methods and devices for fraud detection based on roaming status |
| US20150032625A1 (en) * | 2013-07-24 | 2015-01-29 | Matthew Dill | Systems and methods for communicating risk using token assurance data |
| US20150041534A1 (en) * | 2013-08-07 | 2015-02-12 | 1 Oak Technologies, LLC | Electronic payment transponder |
| US10496986B2 (en) * | 2013-08-08 | 2019-12-03 | Visa International Service Association | Multi-network tokenization processing |
| GB201317109D0 (en) * | 2013-09-26 | 2013-11-06 | Mastercard International Inc | Account Information |
| EP3078156A4 (en) | 2013-10-11 | 2017-07-12 | Visa International Service Association | Network token system |
| US10515358B2 (en) * | 2013-10-18 | 2019-12-24 | Visa International Service Association | Contextual transaction token methods and systems |
| CA2931093A1 (en) * | 2013-12-19 | 2015-06-25 | Visa International Service Association | Cloud-based transactions methods and systems |
| US9600844B2 (en) * | 2014-03-04 | 2017-03-21 | Bank Of America Corporation | Foreign cross-issued token |
| US10002352B2 (en) * | 2014-03-04 | 2018-06-19 | Bank Of America Corporation | Digital wallet exposure reduction |
| US9224141B1 (en) * | 2014-03-05 | 2015-12-29 | Square, Inc. | Encoding a magnetic stripe of a card with data of multiple cards |
| US9483763B2 (en) * | 2014-05-29 | 2016-11-01 | Apple Inc. | User interface for payments |
| US9780953B2 (en) * | 2014-07-23 | 2017-10-03 | Visa International Service Association | Systems and methods for secure detokenization |
| US9692752B2 (en) | 2014-11-17 | 2017-06-27 | Bank Of America Corporation | Ensuring information security using one-time tokens |
| KR20160112133A (ko) * | 2015-03-18 | 2016-09-28 | (주)이삭랜드코리아 | 외국 관광객을 위한 휴대 단말 앱 기반 간편 결제 방법 및 시스템 |
| US9984371B2 (en) * | 2015-03-27 | 2018-05-29 | Ca, Inc. | Payment de-tokenization with risk evaluation for secure transactions |
| US10152714B2 (en) * | 2015-04-29 | 2018-12-11 | Capital One Services, LLP | System to automatically restore payment purchasing power |
| US10475020B2 (en) * | 2015-05-01 | 2019-11-12 | At&T Mobility Ii Llc | Mobile device roaming status subscription |
| US10311423B2 (en) * | 2015-06-09 | 2019-06-04 | Zumigo, Inc. | System and method for transaction approval based on confirmation of proximity of mobile subscriber device to a particular location |
| US20170004499A1 (en) * | 2015-07-02 | 2017-01-05 | Mastercard International Incorporated | Method and system for cross-border travel alerts |
| US20170061419A1 (en) | 2015-08-28 | 2017-03-02 | Samsung Electronics Co., Ltd. | Payment information processing method and apparatus of electronic device |
| BR112018004896A2 (pt) * | 2015-09-10 | 2019-04-16 | Verrency Holdings Limited | ?dispositivo proxy para representar múltiplas credenciais |
| US20170186008A1 (en) * | 2015-12-29 | 2017-06-29 | Ca, Inc. | Methods and apparatus for authenticating and authorizing secondary accounts |
| US11423395B1 (en) * | 2016-12-29 | 2022-08-23 | Wells Fargo Bank, N.A. | Pay with points virtual card |
| SG10201800711VA (en) * | 2018-01-26 | 2019-08-27 | Mastercard International Inc | Computer system and computer-implemented method for secure e-commerce |
-
2017
- 2017-06-15 EP EP17305734.0A patent/EP3416122A1/en not_active Ceased
-
2018
- 2018-05-24 CA CA3066021A patent/CA3066021A1/en active Pending
- 2018-05-24 BR BR112019026580-5A patent/BR112019026580A2/pt not_active Application Discontinuation
- 2018-05-24 JP JP2019569216A patent/JP7265489B2/ja active Active
- 2018-05-24 EP EP18726162.3A patent/EP3639231B1/en active Active
- 2018-05-24 US US16/622,347 patent/US11403623B2/en active Active
- 2018-05-24 RU RU2020100935A patent/RU2742220C1/ru active
- 2018-05-24 CN CN201880038986.8A patent/CN110753943B/zh active Active
- 2018-05-24 WO PCT/EP2018/063697 patent/WO2018228798A1/en not_active Ceased
- 2018-05-24 ES ES18726162T patent/ES3033832T3/es active Active
- 2018-05-24 AU AU2018283198A patent/AU2018283198A1/en not_active Abandoned
-
2022
- 2022-04-22 US US17/726,677 patent/US12475450B2/en active Active
-
2024
- 2024-04-10 AU AU2024202326A patent/AU2024202326B2/en active Active
Also Published As
| Publication number | Publication date |
|---|---|
| AU2018283198A1 (en) | 2019-12-19 |
| CN110753943B (zh) | 2024-01-23 |
| CN110753943A (zh) | 2020-02-04 |
| EP3639231C0 (en) | 2025-04-16 |
| RU2742220C1 (ru) | 2021-02-03 |
| JP2020523701A (ja) | 2020-08-06 |
| US12475450B2 (en) | 2025-11-18 |
| US20220245622A1 (en) | 2022-08-04 |
| AU2024202326A1 (en) | 2024-05-02 |
| EP3416122A1 (en) | 2018-12-19 |
| BR112019026580A2 (pt) | 2020-06-23 |
| EP3639231B1 (en) | 2025-04-16 |
| US20200202332A1 (en) | 2020-06-25 |
| US11403623B2 (en) | 2022-08-02 |
| JP7265489B2 (ja) | 2023-04-26 |
| WO2018228798A1 (en) | 2018-12-20 |
| AU2024202326B2 (en) | 2025-10-23 |
| EP3639231A1 (en) | 2020-04-22 |
| ES3033832T3 (en) | 2025-08-08 |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| EEER | Examination request |
Effective date: 20220817 |
|
| P11 | Amendment of application requested |
Free format text: ST27 STATUS EVENT CODE: A-2-2-P10-P11-P100 (AS PROVIDED BY THE NATIONAL OFFICE); EVENT TEXT: AMENDMENT RECEIVED - RESPONSE TO EXAMINER'S REQUISITION Effective date: 20241011 |
|
| W00 | Other event occurred |
Free format text: ST27 STATUS EVENT CODE: A-2-2-W10-W00-W111 (AS PROVIDED BY THE NATIONAL OFFICE); EVENT TEXT: CORRESPONDENT DETERMINED COMPLIANT Effective date: 20250102 |
|
| P11 | Amendment of application requested |
Free format text: ST27 STATUS EVENT CODE: A-2-2-P10-P11-P102 (AS PROVIDED BY THE NATIONAL OFFICE); EVENT TEXT: AMENDMENT DETERMINED COMPLIANT Effective date: 20250124 |
|
| P13 | Application amended |
Free format text: ST27 STATUS EVENT CODE: A-2-2-P10-P13-X000 (AS PROVIDED BY THE NATIONAL OFFICE); EVENT TEXT: APPLICATION AMENDED Effective date: 20250124 |
|
| D15 | Examination report completed |
Free format text: ST27 STATUS EVENT CODE: A-2-2-D10-D15-D126 (AS PROVIDED BY THE NATIONAL OFFICE); EVENT TEXT: EXAMINER'S REPORT Effective date: 20250128 |
|
| MFA | Maintenance fee for application paid |
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| U00 | Fee paid |
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| C11 | Application revival requested |
Free format text: ST27 STATUS EVENT CODE: A-2-2-C10-C11-C106 (AS PROVIDED BY THE NATIONAL OFFICE); EVENT TEXT: REINSTATEMENT REQUEST RECEIVED Effective date: 20251210 |
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| P11 | Amendment of application requested |
Free format text: ST27 STATUS EVENT CODE: A-2-2-P10-P11-P100 (AS PROVIDED BY THE NATIONAL OFFICE); EVENT TEXT: AMENDMENT RECEIVED - RESPONSE TO EXAMINER'S REQUISITION Effective date: 20251210 |