CN108701300A - 多方案支付移动装置及系统 - Google Patents

多方案支付移动装置及系统 Download PDF

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Publication number
CN108701300A
CN108701300A CN201680078097.5A CN201680078097A CN108701300A CN 108701300 A CN108701300 A CN 108701300A CN 201680078097 A CN201680078097 A CN 201680078097A CN 108701300 A CN108701300 A CN 108701300A
Authority
CN
China
Prior art keywords
group
electronic circuits
card
user
digital
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
Application number
CN201680078097.5A
Other languages
English (en)
Chinese (zh)
Inventor
大卫·查尔斯·鲍尔
马可斯·大卫·雷曼修里尔
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.)
Simsec Hong Kong Ltd
Original Assignee
Simsec Hong Kong Ltd
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 AU2015904945A external-priority patent/AU2015904945A0/en
Application filed by Simsec Hong Kong Ltd filed Critical Simsec Hong Kong Ltd
Publication of CN108701300A publication Critical patent/CN108701300A/zh
Pending legal-status Critical Current

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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
    • G06Q20/32—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]
    • G06Q20/3223—Realising banking transactions through 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
    • G06Q20/353—Payments by cards read by 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
    • G06Q20/32—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]
    • G06Q20/3221—Access to banking information through 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
    • G06Q20/22—Payment schemes or models
    • 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]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in 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
    • G06Q20/32—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 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
    • 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
    • G06Q20/34—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
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3555—Personalisation of two or more cards
    • 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
    • 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]

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 Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
CN201680078097.5A 2015-11-30 2016-11-21 多方案支付移动装置及系统 Pending CN108701300A (zh)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
AU2015904945A AU2015904945A0 (en) 2015-11-30 Multi-scheme payment mobile device and system
AU2015904945 2015-11-30
PCT/AU2016/051130 WO2017091846A1 (en) 2015-11-30 2016-11-21 Multi-scheme payment mobile device and system

Publications (1)

Publication Number Publication Date
CN108701300A true CN108701300A (zh) 2018-10-23

Family

ID=58795977

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201680078097.5A Pending CN108701300A (zh) 2015-11-30 2016-11-21 多方案支付移动装置及系统

Country Status (6)

Country Link
US (1) US20180365682A1 (https=)
EP (1) EP3384446A4 (https=)
JP (1) JP2019502984A (https=)
KR (1) KR20180089468A (https=)
CN (1) CN108701300A (https=)
WO (1) WO2017091846A1 (https=)

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US10366279B2 (en) * 2017-08-29 2019-07-30 Bank Of America Corporation System for execution of multiple events based on image data extraction and evaluation
US11861593B1 (en) * 2018-01-11 2024-01-02 Wells Fargo Bank, N.A. Payment vehicle recycling system and method
CN108171492B (zh) * 2018-01-12 2020-10-16 阿里巴巴集团控股有限公司 支付方法、装置及设备
US12021872B2 (en) 2018-06-21 2024-06-25 Capital One Services, Llc Systems and methods for providing electronic items
US10380596B1 (en) * 2018-06-21 2019-08-13 Capital One Services, Llc Systems for providing and processing pre-authorized customizable gift tokens
US11244169B2 (en) 2020-06-15 2022-02-08 Bank Of America Corporation System for executing multiple events based on video data extraction and evaluation
CN117813616A (zh) * 2021-08-18 2024-04-02 万事达卡国际公司 用于支付卡网络和区块链交易的自保管钱包组合支付卡
US20250240299A1 (en) * 2024-01-24 2025-07-24 Bank Of America Corporation System and method for generating masked virtual resource credentials for processing resource interactions

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US20100274677A1 (en) * 2008-09-19 2010-10-28 Logomotion, S.R.O. Electronic payment application system and payment authorization method
WO2012042262A1 (en) * 2010-09-28 2012-04-05 Barclays Bank Plc Mobile payment system
CN102460520A (zh) * 2009-05-03 2012-05-16 洛格摩提公司 使用移动通信装置的支付终端，例如移动电话；直接借记支付交易的方法
CN102769846A (zh) * 2011-05-04 2012-11-07 中国银联股份有限公司 一种用户终端及支付系统
US20130124346A1 (en) * 2011-11-14 2013-05-16 At&T Intellectual Property I, L.P. Security Token for Mobile Near Field Communication Transactions
US20150118958A1 (en) * 2013-10-25 2015-04-30 Devicefidelity, Inc. Switching between near-field communication systems
CN104838398A (zh) * 2012-10-15 2015-08-12 驱动卡解决方案有限公司 使用移动设备和有源显示卡的安全远程访问和远程支付的系统及方法

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US8041338B2 (en) * 2007-09-10 2011-10-18 Microsoft Corporation Mobile wallet and digital payment
US8070057B2 (en) * 2007-09-12 2011-12-06 Devicefidelity, Inc. Switching between internal and external antennas
US20090216680A1 (en) * 2008-02-26 2009-08-27 Battelle Energy Alliance, Llc Systems and Methods for Performing File Distribution and Purchase
WO2011117624A1 (en) * 2010-03-23 2011-09-29 Sebastien Pochic Delivery of information services to personal devices
JP2012048694A (ja) * 2010-08-26 2012-03-08 Zybox:Kk ワンクリック決済機能付オーダリング端末機
US9558481B2 (en) * 2010-09-28 2017-01-31 Barclays Bank Plc Secure account provisioning
JP2015513738A (ja) * 2012-02-29 2015-05-14 モビーウェイブ インコーポレイテッド 装置上でセキュアな金融取引を行うための方法、装置及びセキュア要素
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US20100274677A1 (en) * 2008-09-19 2010-10-28 Logomotion, S.R.O. Electronic payment application system and payment authorization method
CN102460520A (zh) * 2009-05-03 2012-05-16 洛格摩提公司 使用移动通信装置的支付终端，例如移动电话；直接借记支付交易的方法
WO2012042262A1 (en) * 2010-09-28 2012-04-05 Barclays Bank Plc Mobile payment system
CN102769846A (zh) * 2011-05-04 2012-11-07 中国银联股份有限公司 一种用户终端及支付系统
US20130124346A1 (en) * 2011-11-14 2013-05-16 At&T Intellectual Property I, L.P. Security Token for Mobile Near Field Communication Transactions
CN104838398A (zh) * 2012-10-15 2015-08-12 驱动卡解决方案有限公司 使用移动设备和有源显示卡的安全远程访问和远程支付的系统及方法
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Also Published As

Publication number Publication date
KR20180089468A (ko) 2018-08-08
EP3384446A1 (en) 2018-10-10
JP2019502984A (ja) 2019-01-31
WO2017091846A1 (en) 2017-06-08
US20180365682A1 (en) 2018-12-20
EP3384446A4 (en) 2018-12-19

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