CN115461773A - 轻敲以支付信用卡账单 - Google Patents

轻敲以支付信用卡账单 Download PDF

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Publication number
CN115461773A
CN115461773A CN202180031178.0A CN202180031178A CN115461773A CN 115461773 A CN115461773 A CN 115461773A CN 202180031178 A CN202180031178 A CN 202180031178A CN 115461773 A CN115461773 A CN 115461773A
Authority
CN
China
Prior art keywords
payment
user
card
amount
authentication
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
CN202180031178.0A
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English (en)
Chinese (zh)
Inventor
杰弗里·鲁尔
克莱顿·约翰逊
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.)
Capital One Services LLC
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Capital One Services LLC
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 Capital One Services LLC filed Critical Capital One Services LLC
Publication of CN115461773A publication Critical patent/CN115461773A/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
    • 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
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/34—User authentication involving the use of external additional devices, e.g. dongles or smart cards
    • G06F21/35—User authentication involving the use of external additional devices, e.g. dongles or smart cards communicating wirelessly
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • 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
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/32—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]
    • G06Q20/3226—Use of secure elements separate from 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
    • 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
    • G06Q20/352—Contactless payments by 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
    • G06Q20/353—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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/409—Device specific authentication in transaction processing

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Hardware Design (AREA)
  • Software Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Telephonic Communication Services (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Information Transfer Between Computers (AREA)
  • Detergent Compositions (AREA)
  • Graft Or Block Polymers (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
CN202180031178.0A 2020-04-30 2021-04-29 轻敲以支付信用卡账单 Pending CN115461773A (zh)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US16/863,658 2020-04-30
US16/863,658 US11455606B2 (en) 2020-04-30 2020-04-30 Tap to pay a credit bill via a computing device
PCT/US2021/029821 WO2021222517A1 (en) 2020-04-30 2021-04-29 Tap to pay credit bill

Publications (1)

Publication Number Publication Date
CN115461773A true CN115461773A (zh) 2022-12-09

Family

ID=76035132

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202180031178.0A Pending CN115461773A (zh) 2020-04-30 2021-04-29 轻敲以支付信用卡账单

Country Status (8)

Country Link
US (2) US11455606B2 (enExample)
EP (1) EP4143770A1 (enExample)
JP (2) JP2023524392A (enExample)
KR (1) KR20230005815A (enExample)
CN (1) CN115461773A (enExample)
AU (1) AU2021263903A1 (enExample)
CA (1) CA3171736A1 (enExample)
WO (1) WO2021222517A1 (enExample)

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US11188919B1 (en) 2015-03-27 2021-11-30 Wells Fargo Bank, N.A. Systems and methods for contactless smart card authentication
US11113688B1 (en) 2016-04-22 2021-09-07 Wells Fargo Bank, N.A. Systems and methods for mobile wallet provisioning
US11210654B2 (en) * 2018-10-23 2021-12-28 Capital One Services, Llc Systems and methods for multicomputer data transferring to activate contactless communication
US11941608B1 (en) 2019-09-18 2024-03-26 Wells Fargo Bank, N.A. Systems and methods for a transaction card having a customer-specific URL
US12450591B1 (en) 2020-09-16 2025-10-21 Wells Fargo Bank, N.A. Systems and methods for contactless card activation via unique activation codes
US11165586B1 (en) * 2020-10-30 2021-11-02 Capital One Services, Llc Call center web-based authentication using a contactless card
US11423392B1 (en) 2020-12-01 2022-08-23 Wells Fargo Bank, N.A. Systems and methods for information verification using a contactless card
US12061682B2 (en) 2021-07-19 2024-08-13 Capital One Services, Llc System and method to perform digital authentication using multiple channels of communication
KR102444679B1 (ko) * 2022-01-11 2022-09-20 주식회사 픽셀스 전자 영수증 발행 방법
USD1026017S1 (en) * 2022-05-05 2024-05-07 Capital One Services, Llc Display screen with animated graphical user interface for card communication
KR102836041B1 (ko) * 2022-11-23 2025-07-17 한국정보통신주식회사 결제 중계 서버를 이용한 edi 거래 데이터의 api 서비스 제공 장치 및 그 동작 방법
WO2025059739A1 (pt) * 2023-09-18 2025-03-27 Nobre Tacito Processo e sistema de provimento de serviços de pagamentos para compras realizadas pela internet
US12469022B2 (en) 2023-11-10 2025-11-11 Capital One Services, Llc Systems and methods for sharing a virtual card
US12406248B2 (en) 2023-11-10 2025-09-02 Capital One Services, Llc Systems and methods for authorizing a transfer

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JP2002099849A (ja) * 2000-09-21 2002-04-05 Jcb:Kk クレジットカード支払方式変更システム
CN103559756A (zh) * 2013-11-12 2014-02-05 蔡迎辉 一种利用nfc手机给非接触式ic卡充值的系统和方法
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US10467622B1 (en) * 2019-02-01 2019-11-05 Capital One Services, Llc Using on-demand applications to generate virtual numbers for a contactless card to securely autofill forms
WO2020072575A1 (en) * 2018-10-02 2020-04-09 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards

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Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002099849A (ja) * 2000-09-21 2002-04-05 Jcb:Kk クレジットカード支払方式変更システム
CN103559756A (zh) * 2013-11-12 2014-02-05 蔡迎辉 一种利用nfc手机给非接触式ic卡充值的系统和方法
US20170116596A1 (en) * 2014-07-25 2017-04-27 XPressTap, Inc. Mobile Communication Device with Proximity Based Communication Circuitry
WO2020072575A1 (en) * 2018-10-02 2020-04-09 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10467622B1 (en) * 2019-02-01 2019-11-05 Capital One Services, Llc Using on-demand applications to generate virtual numbers for a contactless card to securely autofill forms

Also Published As

Publication number Publication date
JP2023524392A (ja) 2023-06-12
US20210342809A1 (en) 2021-11-04
JP2026016573A (ja) 2026-02-03
US20230045349A1 (en) 2023-02-09
WO2021222517A1 (en) 2021-11-04
AU2021263903A1 (en) 2022-10-06
US11455606B2 (en) 2022-09-27
CA3171736A1 (en) 2021-11-04
KR20230005815A (ko) 2023-01-10
EP4143770A1 (en) 2023-03-08

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