CN101449509A - 用于增强的消费者支付的方法和系统 - Google Patents

用于增强的消费者支付的方法和系统 Download PDF

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Publication number
CN101449509A
CN101449509A CNA2007800180394A CN200780018039A CN101449509A CN 101449509 A CN101449509 A CN 101449509A CN A2007800180394 A CNA2007800180394 A CN A2007800180394A CN 200780018039 A CN200780018039 A CN 200780018039A CN 101449509 A CN101449509 A CN 101449509A
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CN
China
Prior art keywords
consumer
payment
payment information
information
identifier
Prior art date
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Pending
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CNA2007800180394A
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English (en)
Chinese (zh)
Inventor
T·穆-初·李
G·E·格伯
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Visa International Service Association
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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 CN101449509A publication Critical patent/CN101449509A/zh
Pending legal-status Critical Current

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    • 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
    • G06Q20/38—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
    • 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

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (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)
CNA2007800180394A 2006-04-05 2007-04-05 用于增强的消费者支付的方法和系统 Pending CN101449509A (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US74429706P 2006-04-05 2006-04-05
US60/744,297 2006-04-05

Publications (1)

Publication Number Publication Date
CN101449509A true CN101449509A (zh) 2009-06-03

Family

ID=38581835

Family Applications (1)

Application Number Title Priority Date Filing Date
CNA2007800180394A Pending CN101449509A (zh) 2006-04-05 2007-04-05 用于增强的消费者支付的方法和系统

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) CA2648759C (https=)
MX (1) MX2008012675A (https=)
RU (1) RU2449481C2 (https=)
WO (1) WO2007118178A2 (https=)

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102804682A (zh) * 2010-03-31 2012-11-28 维萨国际服务协会 使用密钥管理中心的相互移动认证
CN105631733A (zh) * 2016-01-22 2016-06-01 祝珂 一种商品订购系统及其订购方法
CN106164965A (zh) * 2014-04-08 2016-11-23 美国邮政管理局 用于找出并交付服务的系统和方法
CN110633974A (zh) * 2013-01-15 2019-12-31 万事达卡国际公司 用于处理离网交易消息的系统和方法
CN115115394A (zh) * 2016-02-11 2022-09-27 维萨国际服务协会 在链接的推广中的支付设备注册
US12493861B2 (en) 2023-01-05 2025-12-09 Mastercard International Incorporated Systems and methods for implementing off-network services

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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
US8914307B2 (en) 2010-11-08 2014-12-16 Bank Of America Corporation Processing loan transactions
US8606692B2 (en) 2010-11-08 2013-12-10 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
US20180121914A1 (en) * 2015-05-18 2018-05-03 Visa International Service Association Method and System for Authorizing a Payment Transaction
RU2625050C1 (ru) * 2016-04-25 2017-07-11 Акционерное общество "Лаборатория Касперского" Система и способ признания транзакций доверенными

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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
DE69431306T2 (de) * 1993-12-16 2003-05-15 Open Market, Inc. Datennetzgestütztes zahlungssystem und verfahren zum gebrauch eines derartigen systems
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
NZ503311A (en) * 1997-09-12 2003-05-30 Amazon Single action 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
WO2001041032A1 (en) * 1999-11-30 2001-06-07 David Russell Methods, systems, and apparatuses 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
JP5348711B2 (ja) * 2000-07-11 2013-11-20 ペイパル， インコーポレイテッド サードパーティ支払い処理のシステムおよび方法
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
US20050246268A1 (en) * 2002-08-16 2005-11-03 Inter-Net Payments Patents Limeted 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
CA2531487C (en) * 2003-07-02 2015-09-08 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
US8291492B2 (en) * 2007-12-12 2012-10-16 Google Inc. Authentication of a contributor of online content
US20130297510A1 (en) * 2012-05-04 2013-11-07 Ip Origins, Llc Financial intermediary for electronic commerce

Cited By (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102804682A (zh) * 2010-03-31 2012-11-28 维萨国际服务协会 使用密钥管理中心的相互移动认证
US9009478B2 (en) 2010-03-31 2015-04-14 Visa International Service Association Mutual mobile authentication using a key management center
CN102804682B (zh) * 2010-03-31 2016-03-02 维萨国际服务协会 使用密钥管理中心的相互移动认证的系统、方法和服务器计算机
US9898729B2 (en) 2010-03-31 2018-02-20 Visa International Service Association Mutual mobile authentication using a key management center
US10140607B2 (en) 2010-03-31 2018-11-27 Visa International Service Association Mutual mobile authentication using a key management center
CN110633974A (zh) * 2013-01-15 2019-12-31 万事达卡国际公司 用于处理离网交易消息的系统和方法
CN110633974B (zh) * 2013-01-15 2023-09-12 万事达卡国际公司 用于处理离网交易消息的系统和方法
CN106164965A (zh) * 2014-04-08 2016-11-23 美国邮政管理局 用于找出并交付服务的系统和方法
US10521839B2 (en) 2014-04-08 2019-12-31 United States Postal Service System and method for find and deliver service
CN105631733A (zh) * 2016-01-22 2016-06-01 祝珂 一种商品订购系统及其订购方法
CN115115394A (zh) * 2016-02-11 2022-09-27 维萨国际服务协会 在链接的推广中的支付设备注册
US12493861B2 (en) 2023-01-05 2025-12-09 Mastercard International Incorporated Systems and methods for implementing off-network services

Also Published As

Publication number Publication date
CA3049789A1 (en) 2007-10-18
WO2007118178A2 (en) 2007-10-18
KR20090005314A (ko) 2009-01-13
EP2002588A4 (en) 2011-11-30
CA2648759A1 (en) 2007-10-18
AU2007234789A1 (en) 2007-10-18
CA3049789C (en) 2022-06-28
RU2449481C2 (ru) 2012-04-27
JP2009532814A (ja) 2009-09-10
EP2002588A2 (en) 2008-12-17
AU2007234789B2 (en) 2011-10-06
BRPI0709748A2 (pt) 2011-07-26
JP2013157036A (ja) 2013-08-15
CA2648759C (en) 2023-09-26
MX2008012675A (es) 2008-10-15
RU2008140850A (ru) 2010-04-20
WO2007118178A3 (en) 2007-12-13
US20070294184A1 (en) 2007-12-20

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Application publication date: 20090603