CO6311125A2 - Un método para procesar transacciones de pago usando un teléfono celular como dispositivo de pago - Google Patents

Un método para procesar transacciones de pago usando un teléfono celular como dispositivo de pago

Info

Publication number
CO6311125A2
CO6311125A2 CO10135691A CO10135691A CO6311125A2 CO 6311125 A2 CO6311125 A2 CO 6311125A2 CO 10135691 A CO10135691 A CO 10135691A CO 10135691 A CO10135691 A CO 10135691A CO 6311125 A2 CO6311125 A2 CO 6311125A2
Authority
CO
Colombia
Prior art keywords
cell phone
payment
person
transactions
payment device
Prior art date
Application number
CO10135691A
Other languages
English (en)
Inventor
Jennifer Pharris
Original Assignee
Global 1 Entpr Inc
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 Global 1 Entpr Inc filed Critical Global 1 Entpr Inc
Publication of CO6311125A2 publication Critical patent/CO6311125A2/es

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/12—Applying verification of the received information
    • H04L63/126—Applying verification of the received information the source of the received data
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/34—Network arrangements or protocols for supporting network services or applications involving the movement of software or configuration parameters 

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Computer Hardware Design (AREA)
  • Computing Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Signal Processing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)
  • Telephone Function (AREA)

Abstract

Un método implementado por computadora para procesar transacciones de pago iniciadas usando un teléfono celular como dispositivo de pago, caracterizado porque comprende:recibir una solicitud para inscribir un teléfono celular en un sistema de transacción de pago, en donde la solicitud incluye una indicación de la identidad de una persona que inscribe el teléfono celular y el número de teléfono del teléfono celular;establecer una cuenta bancaria para el teléfono celular, en donde la cuenta bancaria está vinculada tanto a la persona como al número de teléfono del teléfono celular recibido con la solicitud, y proporcionar una aplicación de pago para su instalación en el teléfono celular, en donde la aplicación de pago, cuando se ejecuta en el teléfono celular, permite a la persona iniciar las transacciones de pago usando el teléfono celular como dispositivo de pago.
CO10135691A 2008-04-02 2010-11-02 Un método para procesar transacciones de pago usando un teléfono celular como dispositivo de pago CO6311125A2 (es)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US4172308P 2008-04-02 2008-04-02
US12731408P 2008-05-12 2008-05-12
US12/412,219 US8301500B2 (en) 2008-04-02 2009-03-26 Ghosting payment account data in a mobile telephone payment transaction system
US12/412,235 US20090281904A1 (en) 2008-04-02 2009-03-26 Mobile telephone transaction systems and methods
US12/412,193 US20090254479A1 (en) 2008-04-02 2009-03-26 Transaction server configured to authorize payment transactions using mobile telephone devices

Publications (1)

Publication Number Publication Date
CO6311125A2 true CO6311125A2 (es) 2011-08-22

Family

ID=41134122

Family Applications (2)

Application Number Title Priority Date Filing Date
CO10135696A CO6311124A2 (es) 2008-04-02 2010-11-02 Un método para usar un teléfono celular como dispositivo de pago
CO10135691A CO6311125A2 (es) 2008-04-02 2010-11-02 Un método para procesar transacciones de pago usando un teléfono celular como dispositivo de pago

Family Applications Before (1)

Application Number Title Priority Date Filing Date
CO10135696A CO6311124A2 (es) 2008-04-02 2010-11-02 Un método para usar un teléfono celular como dispositivo de pago

Country Status (17)

Country Link
US (3) US20090281904A1 (es)
EP (3) EP2266087A4 (es)
JP (2) JP2011518377A (es)
KR (3) KR20100123895A (es)
CN (3) CN101990770A (es)
AP (2) AP2010005445A0 (es)
AU (3) AU2009251576A1 (es)
BR (3) BRPI0911093A2 (es)
CA (3) CA2719944A1 (es)
CO (2) CO6311124A2 (es)
DO (2) DOP2010000288A (es)
EA (3) EA201071155A1 (es)
EC (2) ECSP10010590A (es)
MX (3) MX2010010811A (es)
NZ (1) NZ588573A (es)
TW (1) TW201005667A (es)
WO (3) WO2009146110A1 (es)

Families Citing this family (406)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1237108A3 (en) 2001-02-23 2003-08-13 Navaho Networks Inc. Secure electronic commerce
US20130026232A1 (en) * 2011-07-18 2013-01-31 Tiger T G Zhou Methods and systems for preventing card payment fraud and receiving payments using codes and mobile devices
US20130043305A1 (en) * 2011-07-18 2013-02-21 Tiger T. G. Zhou Methods and systems for receiving compensation for using mobile payment services
US20050097046A1 (en) 2003-10-30 2005-05-05 Singfield Joy S. Wireless electronic check deposit scanning and cashing machine with web-based online account cash management computer application system
US8002175B2 (en) * 2004-12-31 2011-08-23 Veritec, Inc. System and method for utilizing a highly secure two-dimensional matrix code on a mobile communications display
US7917396B1 (en) * 2005-02-15 2011-03-29 Embarq Holdings Company, Llc Method and system for processing communications orders
US8205791B2 (en) * 2005-10-11 2012-06-26 National Payment Card Association Payment system and methods
US7873200B1 (en) 2006-10-31 2011-01-18 United Services Automobile Association (Usaa) Systems and methods for remote deposit of checks
US8351677B1 (en) 2006-10-31 2013-01-08 United Services Automobile Association (Usaa) Systems and methods for remote deposit of checks
US8799147B1 (en) 2006-10-31 2014-08-05 United Services Automobile Association (Usaa) Systems and methods for remote deposit of negotiable instruments with non-payee institutions
US7876949B1 (en) 2006-10-31 2011-01-25 United Services Automobile Association Systems and methods for remote deposit of checks
US7885451B1 (en) 2006-10-31 2011-02-08 United Services Automobile Association (Usaa) Systems and methods for displaying negotiable instruments derived from various sources
US8708227B1 (en) 2006-10-31 2014-04-29 United Services Automobile Association (Usaa) Systems and methods for remote deposit of checks
US8959033B1 (en) 2007-03-15 2015-02-17 United Services Automobile Association (Usaa) Systems and methods for verification of remotely deposited checks
US10380559B1 (en) 2007-03-15 2019-08-13 United Services Automobile Association (Usaa) Systems and methods for check representment prevention
US8433127B1 (en) 2007-05-10 2013-04-30 United Services Automobile Association (Usaa) Systems and methods for real-time validation of check image quality
US8538124B1 (en) 2007-05-10 2013-09-17 United Services Auto Association (USAA) Systems and methods for real-time validation of check image quality
US8768778B2 (en) 2007-06-29 2014-07-01 Boku, Inc. Effecting an electronic payment
US8295457B2 (en) 2007-09-26 2012-10-23 Dsi-Iti, Llc System and method for controlling free phone calls through an institutional phone system
US9058512B1 (en) 2007-09-28 2015-06-16 United Services Automobile Association (Usaa) Systems and methods for digital signature detection
US9747598B2 (en) 2007-10-02 2017-08-29 Iii Holdings 1, Llc Dynamic security code push
US8358826B1 (en) 2007-10-23 2013-01-22 United Services Automobile Association (Usaa) Systems and methods for receiving and orienting an image of one or more checks
US9892454B1 (en) 2007-10-23 2018-02-13 United Services Automobile Association (Usaa) Systems and methods for obtaining an image of a check to be deposited
US9159101B1 (en) 2007-10-23 2015-10-13 United Services Automobile Association (Usaa) Image processing
US9898778B1 (en) 2007-10-23 2018-02-20 United Services Automobile Association (Usaa) Systems and methods for obtaining an image of a check to be deposited
US8046301B1 (en) 2007-10-30 2011-10-25 United Services Automobile Association (Usaa) Systems and methods to modify a negotiable instrument
US8001051B1 (en) 2007-10-30 2011-08-16 United Services Automobile Association (Usaa) Systems and methods to modify a negotiable instrument
US7996314B1 (en) 2007-10-30 2011-08-09 United Services Automobile Association (Usaa) Systems and methods to modify a negotiable instrument
US7996316B1 (en) 2007-10-30 2011-08-09 United Services Automobile Association Systems and methods to modify a negotiable instrument
US7996315B1 (en) 2007-10-30 2011-08-09 United Services Automobile Association (Usaa) Systems and methods to modify a negotiable instrument
US8320657B1 (en) 2007-10-31 2012-11-27 United Services Automobile Association (Usaa) Systems and methods to use a digital camera to remotely deposit a negotiable instrument
US8290237B1 (en) 2007-10-31 2012-10-16 United Services Automobile Association (Usaa) Systems and methods to use a digital camera to remotely deposit a negotiable instrument
US7900822B1 (en) 2007-11-06 2011-03-08 United Services Automobile Association (Usaa) Systems, methods, and apparatus for receiving images of one or more checks
US7896232B1 (en) 2007-11-06 2011-03-01 United Services Automobile Association (Usaa) Systems, methods, and apparatus for receiving images of one or more checks
US10380562B1 (en) 2008-02-07 2019-08-13 United Services Automobile Association (Usaa) Systems and methods for mobile deposit of negotiable instruments
US11816665B2 (en) 2008-02-20 2023-11-14 Stripe, Inc. Method and system for multi-modal transaction authentication
US8577804B1 (en) 2008-02-20 2013-11-05 Collective Dynamics LLC Method and system for securing payment transactions
US9852426B2 (en) 2008-02-20 2017-12-26 Collective Dynamics LLC Method and system for secure transactions
US20090281904A1 (en) * 2008-04-02 2009-11-12 Pharris Dennis J Mobile telephone transaction systems and methods
US20120047070A1 (en) * 2008-04-02 2012-02-23 Jennifer Pharris ATM/KIOSK Cash Acceptance
US20090288012A1 (en) * 2008-05-18 2009-11-19 Zetawire Inc. Secured Electronic Transaction System
GB0809383D0 (en) 2008-05-23 2008-07-02 Vidicom Ltd Customer to supplier funds transfer
WO2009146415A1 (en) * 2008-05-30 2009-12-03 Total System Services, Inc. System and method for processing transactions without providing account information to a payee
US8351678B1 (en) 2008-06-11 2013-01-08 United Services Automobile Association (Usaa) Duplicate check detection
US9053474B2 (en) * 2008-08-04 2015-06-09 At&T Mobility Ii Llc Systems and methods for handling point-of-sale transactions using a mobile device
US8447669B2 (en) 2008-08-26 2013-05-21 Visa U.S.A. Inc. System and method for implementing financial assistance programs
US8422758B1 (en) 2008-09-02 2013-04-16 United Services Automobile Association (Usaa) Systems and methods of check re-presentment deterrent
US7936736B2 (en) 2008-09-08 2011-05-03 Proctor Jr James Arthur Enforcing policies in wireless communication using exchanged identities
US10504185B1 (en) 2008-09-08 2019-12-10 United Services Automobile Association (Usaa) Systems and methods for live video financial deposit
US9639852B2 (en) * 2008-09-24 2017-05-02 Paypal, Inc. GUI-based wallet program for online transactions
US8275710B1 (en) 2008-09-30 2012-09-25 United Services Automobile Association (Usaa) Systems and methods for automatic bill pay enrollment
US7885880B1 (en) 2008-09-30 2011-02-08 United Services Automobile Association (Usaa) Atomic deposit transaction
US10127537B1 (en) 2008-09-30 2018-11-13 Wells Fargo Bank, N.A. System and method for a mobile wallet
US7962411B1 (en) * 2008-09-30 2011-06-14 United Services Automobile Association (Usaa) Atomic deposit transaction
US20100078472A1 (en) * 2008-09-30 2010-04-01 Apple Inc. Group peer-to-peer financial transactions
US7974899B1 (en) 2008-09-30 2011-07-05 United Services Automobile Association (Usaa) Atomic deposit transaction
US8391599B1 (en) 2008-10-17 2013-03-05 United Services Automobile Association (Usaa) Systems and methods for adaptive binarization of an image
US7949587B1 (en) 2008-10-24 2011-05-24 United States Automobile Association (USAA) Systems and methods for financial deposits by electronic message
US7970677B1 (en) * 2008-10-24 2011-06-28 United Services Automobile Association (Usaa) Systems and methods for financial deposits by electronic message
US8126449B2 (en) * 2008-11-13 2012-02-28 American Express Travel Related Services Company, Inc. Servicing attributes on a mobile device
US8930272B2 (en) * 2008-12-19 2015-01-06 Ebay Inc. Systems and methods for mobile transactions
US9652761B2 (en) 2009-01-23 2017-05-16 Boku, Inc. Systems and methods to facilitate electronic payments
US8452689B1 (en) 2009-02-18 2013-05-28 United Services Automobile Association (Usaa) Systems and methods of check detection
US8548426B2 (en) 2009-02-20 2013-10-01 Boku, Inc. Systems and methods to approve electronic payments
US9990623B2 (en) 2009-03-02 2018-06-05 Boku, Inc. Systems and methods to provide information
US10956728B1 (en) 2009-03-04 2021-03-23 United Services Automobile Association (Usaa) Systems and methods of check processing with background removal
US8700530B2 (en) 2009-03-10 2014-04-15 Boku, Inc. Systems and methods to process user initiated transactions
US8224727B2 (en) 2009-05-27 2012-07-17 Boku, Inc. Systems and methods to process transactions based on social networking
US9886693B2 (en) * 2009-03-30 2018-02-06 Yuh-Shen Song Privacy protected anti identity theft and payment network
US20100257067A1 (en) * 2009-04-01 2010-10-07 Tai Man Chan Remote web service appliance for point of sale actions
US8146805B1 (en) * 2009-04-22 2012-04-03 United Services Automobile Association (Usaa) Systems and methods for depositing cash into deposit account
US20100299220A1 (en) * 2009-05-19 2010-11-25 Boku, Inc. Systems and Methods to Confirm Transactions via Mobile Devices
US20100312703A1 (en) * 2009-06-03 2010-12-09 Ashish Kulpati System and method for providing authentication for card not present transactions using mobile device
US9595028B2 (en) 2009-06-08 2017-03-14 Boku, Inc. Systems and methods to add funds to an account via a mobile communication device
CN101576989A (zh) * 2009-06-09 2009-11-11 阿里巴巴集团控股有限公司 移动终端中实现支付的方法及移动设备
US20100325040A1 (en) * 2009-06-23 2010-12-23 Craig Stephen Etchegoyen Device Authority for Authenticating a User of an Online Service
US8825548B2 (en) * 2009-06-30 2014-09-02 Ebay Inc. Secure authentication between multiple parties
US9697510B2 (en) * 2009-07-23 2017-07-04 Boku, Inc. Systems and methods to facilitate retail transactions
US8542921B1 (en) 2009-07-27 2013-09-24 United Services Automobile Association (Usaa) Systems and methods for remote deposit of negotiable instrument using brightness correction
US9519892B2 (en) 2009-08-04 2016-12-13 Boku, Inc. Systems and methods to accelerate transactions
US20110035290A1 (en) * 2009-08-10 2011-02-10 Diego Franco Mortillaro System and method for transferring money from a mobile phone account
US9779392B1 (en) 2009-08-19 2017-10-03 United Services Automobile Association (Usaa) Apparatuses, methods and systems for a publishing and subscribing platform of depositing negotiable instruments
US8977571B1 (en) 2009-08-21 2015-03-10 United Services Automobile Association (Usaa) Systems and methods for image monitoring of check during mobile deposit
US8699779B1 (en) 2009-08-28 2014-04-15 United Services Automobile Association (Usaa) Systems and methods for alignment of check during mobile deposit
WO2011032263A1 (en) * 2009-09-17 2011-03-24 Meir Weis Mobile payment system with two-point authentication
US20110071924A1 (en) * 2009-09-18 2011-03-24 Pitney Bowes Inc. System and method for processing consumer transactions using a central server and a mobile processor
US8660911B2 (en) * 2009-09-23 2014-02-25 Boku, Inc. Systems and methods to facilitate online transactions
US10454693B2 (en) 2009-09-30 2019-10-22 Visa International Service Association Mobile payment application architecture
US8224709B2 (en) 2009-10-01 2012-07-17 Boku, Inc. Systems and methods for pre-defined purchases on a mobile communication device
US9064246B1 (en) * 2009-10-13 2015-06-23 Sprint Communications Company L.P. Payment service and platform authentication integration
WO2012158133A1 (en) * 2011-05-13 2012-11-22 Heeter Thomas W Methods for conducting electronic payment transactions, with scannable codes
US20110125610A1 (en) * 2009-11-20 2011-05-26 Boku, Inc. Systems and Methods to Automate the Initiation of Transactions via Mobile Devices
FI20090449L (fi) * 2009-11-27 2011-05-28 Eazybreak Oy Järjestelmä ja menetelmä järjestelmään pääsyn myöntämiseksi
US8452267B2 (en) * 2009-11-27 2013-05-28 Eazybreak Oy System and method for granting access to a system
US8412626B2 (en) * 2009-12-10 2013-04-02 Boku, Inc. Systems and methods to secure transactions via mobile devices
US8566188B2 (en) 2010-01-13 2013-10-22 Boku, Inc. Systems and methods to route messages to facilitate online transactions
CN102893297A (zh) * 2010-01-19 2013-01-23 卡迪斯国际企业公司 包括非信任商户终端的可信储值支付系统
US8738450B2 (en) * 2010-01-28 2014-05-27 Bank Of America Corporation Audible transaction process and system
US8744914B2 (en) * 2010-01-28 2014-06-03 Bank Of America Corporation Mobile device consumer interface process and system
US20110191161A1 (en) * 2010-02-02 2011-08-04 Xia Dai Secured Mobile Transaction Device
US9195982B2 (en) 2010-02-04 2015-11-24 Rick N. Orr System and method for interfacing a client device with a point of sale system
US10255601B2 (en) 2010-02-25 2019-04-09 Visa International Service Association Multifactor authentication using a directory server
US20110219427A1 (en) * 2010-03-04 2011-09-08 RSSBus, Inc. Smart Device User Authentication
WO2011112752A1 (en) * 2010-03-09 2011-09-15 Alejandro Diaz Arceo Electronic transaction techniques implemented over a computer network
SI23227A (sl) * 2010-03-10 2011-05-31 Margento R&D D.O.O. Brezžični mobilni transakcijski sistem in postopek izvedbe transakcije z mobilnim telefonom
US20110223930A1 (en) * 2010-03-11 2011-09-15 Todd Marc A System and method for monitoring signal quality
JP6129560B2 (ja) * 2010-03-11 2017-05-17 ウォル−マート・ストアーズ・インコーポレイテッドＷａｌ−Ｍａｒｔ Ｓｔｏｒｅｓ， Ｉｎｃ． 携帯機器を用いた取引払のためのシステム及び方法
US9280768B2 (en) * 2010-03-17 2016-03-08 Verifone, Inc. Payment systems and methodologies
US8219542B2 (en) 2010-03-25 2012-07-10 Boku, Inc. Systems and methods to provide access control via mobile phones
US8583504B2 (en) * 2010-03-29 2013-11-12 Boku, Inc. Systems and methods to provide offers on mobile devices
US20110238483A1 (en) * 2010-03-29 2011-09-29 Boku, Inc. Systems and Methods to Distribute and Redeem Offers
US9189786B2 (en) * 2010-03-31 2015-11-17 Mastercard International Incorporated Systems and methods for operating transaction terminals
US8380177B2 (en) 2010-04-09 2013-02-19 Paydiant, Inc. Mobile phone payment processing methods and systems
US11887105B2 (en) 2010-04-09 2024-01-30 Paypal, Inc. Transaction token issuing authorities
US10134031B2 (en) 2010-04-09 2018-11-20 Paypal, Inc. Transaction token issuing authorities
US9208482B2 (en) 2010-04-09 2015-12-08 Paypal, Inc. Transaction token issuing authorities
US10445723B2 (en) 2010-04-09 2019-10-15 Paypal, Inc. NFC-transaction processing systems and methods
US10304051B2 (en) 2010-04-09 2019-05-28 Paypal, Inc. NFC mobile wallet processing systems and methods
US9400978B2 (en) 2010-04-09 2016-07-26 Paypal, Inc. Methods and systems for selecting accounts and offers in payment transactions
US9031868B2 (en) 2010-04-13 2015-05-12 Locomobi, Inc. Payment processing methods
US9286733B2 (en) 2010-04-13 2016-03-15 Locomobi Inc. Location based systems for entry and exit
US20110270744A1 (en) * 2010-04-30 2011-11-03 Ginger Baker Mobile tangible value banking system
WO2011140301A1 (en) * 2010-05-05 2011-11-10 Last Mile Technologies, Llc Method and apparatus for making secure transactions using an internet accessible device and application
CA2704864A1 (en) 2010-06-07 2010-08-16 S. Bhinder Mundip Method and system for controlling access to a monetary valued account
US9129340B1 (en) 2010-06-08 2015-09-08 United Services Automobile Association (Usaa) Apparatuses, methods and systems for remote deposit capture with enhanced image detection
US8571939B2 (en) 2010-07-07 2013-10-29 Toshiba Global Commerce Solutions Holdings Corporation Two phase payment link and authorization for mobile devices
US8719103B2 (en) * 2010-07-14 2014-05-06 iLoveVelvet, Inc. System, method, and apparatus to facilitate commerce and sales
US10552809B2 (en) * 2010-07-26 2020-02-04 Visa International Service Association Programmable card
US20120041879A1 (en) * 2010-08-10 2012-02-16 Paul Kim Methods and systems for payment processing between consumers and merchants
US8589290B2 (en) 2010-08-11 2013-11-19 Boku, Inc. Systems and methods to identify carrier information for transmission of billing messages
US9342832B2 (en) 2010-08-12 2016-05-17 Visa International Service Association Securing external systems with account token substitution
US9595036B2 (en) 2010-09-10 2017-03-14 Bank Of America Corporation Service for exceeding account thresholds via mobile device
US9508076B2 (en) 2010-09-10 2016-11-29 Bank Of America Corporation Service for account with unavailable funds or credit using a passcode
US9595035B2 (en) 2010-09-10 2017-03-14 Bank Of America Corporation Service for exceeding account thresholds via transaction machine
US9047639B1 (en) 2010-09-10 2015-06-02 Bank Of America Corporation Service participation acknowledgement system
US9047640B2 (en) 2010-09-10 2015-06-02 Bank Of America Corporation Exceeded account threshold service involving exceeded account threshold magnetic stripe
EP2619736A4 (en) * 2010-09-21 2015-04-15 Marvin T Ling METHOD AND APPARATUS FOR MAKING OFFLINE TRADING TRANSACTIONS
US20120284195A1 (en) * 2011-05-04 2012-11-08 Mcmillen Glenn Curtiss Method and system for secure user registration
US8898805B2 (en) * 2010-10-12 2014-11-25 Verizon Patent And Licensing Inc. Electronic identification
WO2012049356A1 (en) * 2010-10-13 2012-04-19 Nokia Corporation Method and apparatus for performing transactions via a sponsor account
US20120123924A1 (en) 2010-10-20 2012-05-17 Mark Rose Virtual currency configuration apparatuses, methods and systems
US20120109762A1 (en) * 2010-11-03 2012-05-03 Verizon Patent And Licensing Inc. Method and apparatus for providing mobile payment through a device user interface
US8850181B2 (en) * 2010-11-16 2014-09-30 Ncr Corporation Accessing a secure terminal
MX341079B (es) * 2010-11-19 2016-08-05 Mastercard International Inc Metodo y dispositivo y sistema de tarjeta financiera utilizando codigos de barras para identificar detalles de transaccion.
US20120130790A1 (en) 2010-11-19 2012-05-24 Mastercard International Incorporated Method and system for location- and history-based distribution of offers to mobile devices
US10043209B2 (en) 2010-11-19 2018-08-07 Mastercard International Incorporated Method and system for consumer transactions using voice or human based gesture actions
US9836780B2 (en) 2010-11-19 2017-12-05 Mastercard International Incorporated Method and system for consumer transactions using voice or human based gesture actions
US9836737B2 (en) 2010-11-19 2017-12-05 Mastercard International Incorporated Method and system for distribution of advertisements to mobile devices prompted by aural sound stimulus
US9292870B2 (en) * 2010-12-13 2016-03-22 Qualcomm Incorporated System and method for point of service payment acceptance via wireless communication
US8699994B2 (en) 2010-12-16 2014-04-15 Boku, Inc. Systems and methods to selectively authenticate via mobile communications
US8412155B2 (en) 2010-12-20 2013-04-02 Boku, Inc. Systems and methods to accelerate transactions based on predictions
US20120158580A1 (en) * 2010-12-20 2012-06-21 Antonio Claudiu Eram System, Method and Apparatus for Mobile Payments Enablement and Order Fulfillment
CN111476654B (zh) 2010-12-23 2024-03-12 贝宝公司 移动电话atm处理方法和系统
US20120166309A1 (en) * 2010-12-27 2012-06-28 Electronics And Telecommunications Research Institute Authentication system and authentication method using barcodes
US8583496B2 (en) 2010-12-29 2013-11-12 Boku, Inc. Systems and methods to process payments via account identifiers and phone numbers
US8700524B2 (en) 2011-01-04 2014-04-15 Boku, Inc. Systems and methods to restrict payment transactions
US20120179607A1 (en) * 2011-01-07 2012-07-12 Transaction Wireless, Inc. Multi-merchant / item stored value account transactions
US20120191556A1 (en) * 2011-01-21 2012-07-26 American Express Travel Related Services Company, Inc. Systems and methods for virtual mobile transaction
US9123040B2 (en) * 2011-01-21 2015-09-01 Iii Holdings 1, Llc Systems and methods for encoded alias based transactions
AU2012200452A1 (en) * 2011-01-25 2012-08-09 PayWithMyBank, Inc. A method and apparatus for facilitating payment via mobile networks
US10204327B2 (en) 2011-02-05 2019-02-12 Visa International Service Association Merchant-consumer bridging platform apparatuses, methods and systems
US20120203695A1 (en) * 2011-02-09 2012-08-09 American Express Travel Related Services Company, Inc. Systems and methods for facilitating secure transactions
WO2012109628A2 (en) 2011-02-10 2012-08-16 Visa International Service Assocation Electronic coupon issuance and redemption apparatuses, methods and systems
WO2012112822A2 (en) * 2011-02-16 2012-08-23 Visa International Service Association Snap mobile payment apparatuses, methods and systems
US10586227B2 (en) 2011-02-16 2020-03-10 Visa International Service Association Snap mobile payment apparatuses, methods and systems
SG193510A1 (en) 2011-02-22 2013-10-30 Visa Int Service Ass Universal electronic payment apparatuses, methods and systems
AU2012223415B2 (en) 2011-02-28 2017-05-18 Visa International Service Association Secure anonymous transaction apparatuses, methods and systems
WO2012122060A1 (en) 2011-03-04 2012-09-13 Visa International Service Association Cloud service facilitator apparatuses, methods and systems
US9224166B2 (en) 2011-03-08 2015-12-29 Bank Of America Corporation Retrieving product information from embedded sensors via mobile device video analysis
US9317860B2 (en) 2011-03-08 2016-04-19 Bank Of America Corporation Collective network of augmented reality users
US9773285B2 (en) 2011-03-08 2017-09-26 Bank Of America Corporation Providing data associated with relationships between individuals and images
US9317835B2 (en) 2011-03-08 2016-04-19 Bank Of America Corporation Populating budgets and/or wish lists using real-time video image analysis
US9406031B2 (en) 2011-03-08 2016-08-02 Bank Of America Corporation Providing social impact information associated with identified products or businesses
US20120239542A1 (en) * 2011-03-17 2012-09-20 Dan Richard Preston Systems and methods for capturing payment information using mobile devices
US9904934B1 (en) * 2011-03-29 2018-02-27 Amazon Technologies, Inc. Offline payment processing
GB201105765D0 (en) 2011-04-05 2011-05-18 Visa Europe Ltd Payment system
CN102156943A (zh) * 2011-04-18 2011-08-17 徐蔚 一种通过嵌入感动芯引擎的移动终端实现即时交易的信息处理系统及其方法
KR101195541B1 (ko) 2011-04-20 2012-10-29 (주)와이제이인터와이드 모바일 결제를 위한 휴대단말기
WO2012148842A1 (en) 2011-04-26 2012-11-01 Boku, Inc. Systems and methods to facilitate repeated purchases
US20120278188A1 (en) * 2011-04-28 2012-11-01 Digimo Ltd. Carrying out an alternative payment via a user equipment over a wireless network at a point of sale without altering the point of sale
US9830622B1 (en) 2011-04-28 2017-11-28 Boku, Inc. Systems and methods to process donations
US9191217B2 (en) 2011-04-28 2015-11-17 Boku, Inc. Systems and methods to process donations
US9053478B2 (en) 2011-05-03 2015-06-09 Verifone, Inc. Mobile commerce system
US20120284130A1 (en) * 2011-05-05 2012-11-08 Ebay, Inc. Barcode checkout at point of sale
US9547861B2 (en) 2011-05-11 2017-01-17 Mark Itwaru System and method for wireless communication with an IC chip for submission of pin data
US9734498B2 (en) 2011-05-11 2017-08-15 Riavera Corp Mobile image payment system using short codes
US10223674B2 (en) 2011-05-11 2019-03-05 Riavera Corp. Customized transaction flow for multiple transaction types using encoded image representation of transaction information
US20150287021A1 (en) * 2011-05-11 2015-10-08 Mark Itwaru Mobile image payment system
US9715704B2 (en) 2011-05-11 2017-07-25 Riavera Corp Merchant ordering system using optical machine readable image representation of invoice information
US8616453B2 (en) 2012-02-15 2013-12-31 Mark Itwaru System and method for processing funds transfer between entities based on received optical machine readable image information
WO2012155081A1 (en) 2011-05-11 2012-11-15 Visa International Service Association Electronic receipt manager apparatuses, methods and systems
CA2835733A1 (en) 2011-05-11 2012-11-15 Mark Itwaru Mobile image payment system using short codes
US9785935B2 (en) 2011-05-11 2017-10-10 Riavera Corp. Split mobile payment system
US9721243B2 (en) 2011-05-11 2017-08-01 Riavera Corp. Mobile payment system using subaccounts of account holder
WO2012151660A1 (en) * 2011-05-11 2012-11-15 Mark Itwaru Mobile image payment system
US20120290468A1 (en) * 2011-05-13 2012-11-15 Benco David S Method and apparatus for secure payment using a network-connectable device
US20120295580A1 (en) * 2011-05-19 2012-11-22 Boku, Inc. Systems and Methods to Detect Fraudulent Payment Requests
US9455982B2 (en) * 2011-05-20 2016-09-27 Steve Smith Identification authentication in a communications network
US8577803B2 (en) 2011-06-03 2013-11-05 Visa International Service Association Virtual wallet card selection apparatuses, methods and systems
US8538845B2 (en) 2011-06-03 2013-09-17 Mozido, Llc Monetary transaction system
WO2012174122A2 (en) 2011-06-13 2012-12-20 Visa International Service Association Selective authorization method and system
JP2013020609A (ja) * 2011-06-13 2013-01-31 Kazunori Fujisawa 認証システム
US20120330764A1 (en) * 2011-06-22 2012-12-27 Broadcom Corporation Point of Sale System for Transaction Payment Delegation
AT511626B1 (de) * 2011-06-22 2014-09-15 Secure Payment Technologies Gmbh Verfahren und vorrichtung zum durchführen von bargeldlosen zahlungen
CA2840467A1 (en) 2011-06-24 2012-12-27 Planet Payment Solutions Limited Distributed transaction processing system and methods
US10055740B2 (en) 2011-06-27 2018-08-21 Amazon Technologies, Inc. Payment selection and authorization
JP5957524B2 (ja) * 2011-06-27 2016-07-27 アマゾン テクノロジーズ インコーポレイテッド モバイルデバイスによる支払い選択および承認
US9230251B1 (en) * 2011-07-01 2016-01-05 United Services Automobile Association (Usaa) Cash deposit at point of sale using deposit product inventory item systems and methods
US9355393B2 (en) 2011-08-18 2016-05-31 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US10121129B2 (en) 2011-07-05 2018-11-06 Visa International Service Association Electronic wallet checkout platform apparatuses, methods and systems
US9582598B2 (en) 2011-07-05 2017-02-28 Visa International Service Association Hybrid applications utilizing distributed models and views apparatuses, methods and systems
US20130018758A1 (en) * 2011-07-15 2013-01-17 Raghuram Balasubramanian Quidlr
US10438176B2 (en) 2011-07-17 2019-10-08 Visa International Service Association Multiple merchant payment processor platform apparatuses, methods and systems
US8554671B2 (en) * 2011-07-18 2013-10-08 Rabih Salem Ballout System and associated method and service for providing a platform that allows for the exchange of cash between members in a mobile environment
ITRM20110391A1 (it) * 2011-07-22 2013-01-23 Marco Cavaterra Metodo e apparecchiatura per il trasferimento di una somma di denaro con l'utilizzo di un codice immagine bidimensionale
CA2809304A1 (en) * 2011-07-27 2013-01-31 Cheng-Hao Hsiao Mobile device payment method
US20140244507A1 (en) * 2011-07-28 2014-08-28 Upc Konsultointi Oy Offline transaction
US20130036050A1 (en) * 2011-08-02 2013-02-07 Bank Of America Corporation System and method for using a near field communication device to conduct a transaction with an alias
US20130036051A1 (en) * 2011-08-02 2013-02-07 Bank Of America Corporation Non-near field communication point of sale experience
US8788881B2 (en) * 2011-08-17 2014-07-22 Lookout, Inc. System and method for mobile device push communications
US10825001B2 (en) 2011-08-18 2020-11-03 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US10242358B2 (en) 2011-08-18 2019-03-26 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US9710807B2 (en) 2011-08-18 2017-07-18 Visa International Service Association Third-party value added wallet features and interfaces apparatuses, methods and systems
US10318941B2 (en) 2011-12-13 2019-06-11 Visa International Service Association Payment platform interface widget generation apparatuses, methods and systems
US8500013B2 (en) * 2011-08-19 2013-08-06 General Electric Company Systems and methods for accessing charging capabilities of electric vehicle charging stations
US20130060693A1 (en) * 2011-09-06 2013-03-07 Rawllin International Inc. Unified charging system
US20130060708A1 (en) * 2011-09-06 2013-03-07 Rawllin International Inc. User verification for electronic money transfers
US9117225B2 (en) 2011-09-16 2015-08-25 Visa International Service Association Apparatuses, methods and systems for transforming user infrastructure requests inputs to infrastructure design product and infrastructure allocation outputs
US9390414B2 (en) * 2011-09-18 2016-07-12 Google Inc. One-click offline buying
US20130073458A1 (en) * 2011-09-19 2013-03-21 Cardinalcommerce Corporation Open wallet for electronic transactions
US20130073462A1 (en) * 2011-09-19 2013-03-21 Bank Of America Corporation Processing a Payment Transaction From a Mobile Device
US10223730B2 (en) 2011-09-23 2019-03-05 Visa International Service Association E-wallet store injection search apparatuses, methods and systems
SE1200088A1 (sv) * 2012-02-10 2013-08-11 Seamless Distrib Ab Förfarande och system
US20130097034A1 (en) * 2011-10-12 2013-04-18 First Data Corporation Systems and Methods for Facilitating Point of Sale Transactions
US9922370B2 (en) * 2011-11-15 2018-03-20 Ncr Corporation Techniques for automated teller machine (ATM) transactions
US8738540B2 (en) * 2011-10-31 2014-05-27 Ncr Corporation Techniques for mobile transaction processing
US8774781B1 (en) * 2011-11-01 2014-07-08 First Data Corporation Mobile payment and identity verification system
AT512070B1 (de) * 2011-11-08 2018-02-15 Secure Payment Tech Gmbh Verfahren und vorrichtung zum durchführen von bargeldlosen zahlungen
US10387876B1 (en) 2011-11-09 2019-08-20 United Services Automobile Association (Usaa) Transacting in advance
US10373148B1 (en) * 2011-11-09 2019-08-06 United Services Automobile Association (Usaa) Proactive bank transaction staging methods and systems
US11715084B1 (en) * 2011-11-09 2023-08-01 United Services Automobile Association (Usaa) Proactive bank transaction staging methods and systems
US20140297533A1 (en) * 2011-11-13 2014-10-02 Millind Mittal System and method of electronic payment using payee provided transaction identification codes
US10007906B2 (en) * 2011-11-17 2018-06-26 Abdolreza Behjat Using a mobile device in a commercial transaction
US9208488B2 (en) 2011-11-21 2015-12-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US10438196B2 (en) 2011-11-21 2019-10-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
CN102496223A (zh) * 2011-11-30 2012-06-13 钱袋网（北京）信息技术有限公司 近距离现场支付设备和系统
US9953378B2 (en) 2012-04-27 2018-04-24 Visa International Service Association Social checkout widget generation and integration apparatuses, methods and systems
CN103164791B (zh) * 2011-12-13 2016-04-06 阿里巴巴集团控股有限公司 一种通过电子终端实现安全支付的方法和装置
WO2013090611A2 (en) 2011-12-13 2013-06-20 Visa International Service Association Dynamic widget generator apparatuses, methods and systems
CN103177360A (zh) * 2011-12-21 2013-06-26 中国银联股份有限公司 一种基于统一个人信息的支付系统和方法
US10223710B2 (en) 2013-01-04 2019-03-05 Visa International Service Association Wearable intelligent vision device apparatuses, methods and systems
US10380565B1 (en) 2012-01-05 2019-08-13 United Services Automobile Association (Usaa) System and method for storefront bank deposits
US11308227B2 (en) 2012-01-09 2022-04-19 Visa International Service Association Secure dynamic page content and layouts apparatuses, methods and systems
US10262148B2 (en) 2012-01-09 2019-04-16 Visa International Service Association Secure dynamic page content and layouts apparatuses, methods and systems
US10643191B2 (en) * 2012-01-27 2020-05-05 Visa International Service Association Mobile services remote deposit capture
AU2013214801B2 (en) 2012-02-02 2018-06-21 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia database platform apparatuses, methods and systems
SG193041A1 (en) * 2012-02-21 2013-09-30 Global Blue Holdings Ab Transaction processing system and method
DE102012005693A1 (de) * 2012-03-20 2013-09-26 Giesecke & Devrient Gmbh Verfahren und System zum Durchführen eines Geldgeschäfts
CA3107007A1 (en) * 2012-03-23 2013-09-26 Digital Retail Apps., Inc. System and method for facilitating secure self payment transactions of retail goods
US10453105B2 (en) 2012-03-30 2019-10-22 Ent. Services Development Corporation Lp Encrypted payment image
US9378356B2 (en) * 2012-04-13 2016-06-28 Paypal, Inc. Two factor authentication using a one-time password
US20130282590A1 (en) * 2012-04-19 2013-10-24 Ebay, Inc. Electronic payments using visual code
US9928518B1 (en) * 2012-05-11 2018-03-27 Amazon Technologies, Inc. Transaction processing using mobile devices
US20130311382A1 (en) * 2012-05-21 2013-11-21 Klaus S. Fosmark Obtaining information for a payment transaction
EP2856407A4 (en) 2012-05-24 2015-12-23 Paypal Inc METHOD AND SYSTEMS FOR REGISTERING PURCHASES
US8639619B1 (en) * 2012-07-13 2014-01-28 Scvngr, Inc. Secure payment method and system
US20140025571A1 (en) * 2012-07-23 2014-01-23 Its, Inc. System and method for dual message consumer authentication value-based eft transactions
US9818091B2 (en) 2012-07-27 2017-11-14 Wal-Mart Stores, Inc. Barcode transferring receipt data to a computing device of a customer
EP2693687B1 (en) 2012-08-02 2016-10-05 Banco Bilbao Vizcaya Argentaria, S.A. Method for generating a code, authorization method and authorization system for authorizing an operation
JP5349662B1 (ja) * 2012-08-22 2013-11-20 株式会社グローバルライト 決済システム、サーバ、情報処理装置、プログラム
WO2014031888A1 (en) * 2012-08-23 2014-02-27 Gcs Investments, Ltd. Business to business invoice generation and payment system and method using mobile phones
US9189785B2 (en) 2012-08-24 2015-11-17 Mozido, Inc. Debit network routing selection using a scannable code
ITPD20120257A1 (it) 2012-09-06 2014-03-07 Daniele Bernardi Sistema di borsellino elettronico per smartphone
KR101451214B1 (ko) * 2012-09-14 2014-10-15 주식회사 엘지씨엔에스 결제 방법, 이를 실행하는 결제 서버, 이를 저장한 기록 매체 및 이를 실행하는 시스템
US20140089186A1 (en) * 2012-09-25 2014-03-27 Intuit Inc. Mobile payment service for small financial institutions
US20160155112A1 (en) * 2012-10-10 2016-06-02 Mastercard International Incorporated Barcode-triggered payment method and system
US11080701B2 (en) 2015-07-02 2021-08-03 Royal Bank Of Canada Secure processing of electronic payments
US11210648B2 (en) 2012-10-17 2021-12-28 Royal Bank Of Canada Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments
CA2830260C (en) 2012-10-17 2021-10-12 Royal Bank Of Canada Virtualization and secure processing of data
US20140136405A1 (en) * 2012-11-15 2014-05-15 Mastercard International Incorporated Systems and methods for processing of person-to-person electronic payments
CN103856458B (zh) * 2012-12-04 2018-12-11 腾讯科技（深圳）有限公司 页面认证方法及装置
US9055025B2 (en) * 2012-12-12 2015-06-09 General Motors Llc Cellular device identifier provisioning verification
US10380583B1 (en) 2012-12-17 2019-08-13 Wells Fargo Bank, N.A. System and method for interoperable mobile wallet
US10592888B1 (en) 2012-12-17 2020-03-17 Wells Fargo Bank, N.A. Merchant account transaction processing systems and methods
US10552810B1 (en) 2012-12-19 2020-02-04 United Services Automobile Association (Usaa) System and method for remote deposit of financial instruments
US9106615B2 (en) * 2013-01-01 2015-08-11 Bank Of America Corporation Identity protection and distribution system
US8939360B2 (en) * 2013-01-01 2015-01-27 Bank Of America Corporation Providing user information by presenting readable indicia with mobile device
US9075801B2 (en) * 2013-01-18 2015-07-07 Nokia Technologies Oy Method and apparatus for sharing content via encoded data representations
US9198060B2 (en) 2013-01-30 2015-11-24 Dell Products L.P. Information handling system physical component maintenance through near field communication device interaction
US9124655B2 (en) 2013-01-30 2015-09-01 Dell Products L.P. Information handling system operational management through near field communication device interaction
US9569294B2 (en) 2013-01-30 2017-02-14 Dell Products L.P. Information handling system physical component inventory to aid operational management through near field communication device interaction
KR20150132098A (ko) * 2013-01-30 2015-11-25 페이팔, 인코포레이티드 트랜잭션 토큰 발행 권한
US20160026995A1 (en) * 2013-03-13 2016-01-28 Mobile Technology Holdings Limited Time Lmited Code
WO2014138798A1 (en) * 2013-03-13 2014-09-18 Mobile Technology Holdings Limited One time code
US10275827B2 (en) 2013-03-14 2019-04-30 Fexco Systems and methods for transferring funds using a wireless device
CN109086581B (zh) 2013-03-15 2021-11-05 美国邮政管理局 身份验证系统和方法
US8893964B2 (en) 2013-03-15 2014-11-25 Dell Products L.P. Secure point of sale presentation of a barcode at an information handling system display
US10535060B2 (en) 2013-03-15 2020-01-14 Mastercard International Incorporated System and method for processing financial transactions using a mobile device for payment
CN104077841A (zh) * 2013-03-27 2014-10-01 宝利数码有限公司 移动身份认证及支付的方法和系统
GB2500823B (en) * 2013-03-28 2014-02-26 Paycasso Verify Ltd Method, system and computer program for comparing images
DE102013006549A1 (de) * 2013-04-08 2014-10-09 Fiducia It Ag Verfahren und System zum bargeldlosen Bezahlen oder Geldabheben mit einem mobilen Kundenterminal
US20140365363A1 (en) * 2013-06-07 2014-12-11 Prairie Cloudware, Inc Secure integrative vault of consumer payment instruments for use in payment processing system and method
US9384270B1 (en) * 2013-06-12 2016-07-05 Amazon Technologies, Inc. Associating user accounts with source identifiers
KR101499504B1 (ko) * 2013-07-05 2015-03-06 청호메카트로닉스 주식회사 스마트폰 어플리케이션을 이용한 자동화기기 금융거래 시스템
CN103426084A (zh) * 2013-07-24 2013-12-04 牟大同 一种电子支付系统及基于远程或近场的支付方法
EP2843605A1 (en) * 2013-08-30 2015-03-04 Gemalto SA Method for authenticating transactions
US11138578B1 (en) 2013-09-09 2021-10-05 United Services Automobile Association (Usaa) Systems and methods for remote deposit of currency
ES2531386B1 (es) * 2013-09-13 2015-12-22 Pomo Posibilidades, S.A. Sistema y método de pago mediante dispositivo móvil
KR20150040607A (ko) * 2013-10-07 2015-04-15 엘지전자 주식회사 이동 단말기 및 그것의 제어 방법
US9286514B1 (en) 2013-10-17 2016-03-15 United Services Automobile Association (Usaa) Character count determination for a digital image
CN103530768A (zh) * 2013-10-24 2014-01-22 成都衔石科技有限公司 移动通信支付系统及其用于费用支付的方法
US10977650B2 (en) * 2013-10-30 2021-04-13 Tencent Technology (Shenzhen) Company Limited Information transmission method, apparatus and system
CN108510255B (zh) * 2013-12-06 2021-11-23 上海掌门科技有限公司 一种移动手持终端、支付方法、设备和计算机存储介质
WO2015094265A1 (en) * 2013-12-19 2015-06-25 Hewlett-Packard Development Company, L.P. Payment transaction
US9922322B2 (en) 2013-12-19 2018-03-20 Visa International Service Association Cloud-based transactions with magnetic secure transmission
US20150178731A1 (en) * 2013-12-20 2015-06-25 Ncr Corporation Mobile device assisted service
US10127528B2 (en) * 2013-12-20 2018-11-13 Movocash, Inc. Financial services ecosystem
CN103856640B (zh) * 2014-01-07 2015-07-01 腾讯科技（深圳）有限公司 一种对用户资源信息进行处理的方法及系统
WO2015112870A1 (en) 2014-01-25 2015-07-30 Cloudpin Inc. Systems and methods for location-based content sharing using unique identifiers
US9721248B2 (en) 2014-03-04 2017-08-01 Bank Of America Corporation ATM token cash withdrawal
US10032168B2 (en) * 2014-03-07 2018-07-24 Fmr Llc Secure validation of financial transactions
CN103903141B (zh) * 2014-03-14 2018-05-08 福建联迪商用设备有限公司 一种o2o安全支付方法、系统和一种pos终端
CN103914774B (zh) * 2014-03-14 2017-05-24 福建联迪商用设备有限公司 一种o2o安全支付方法和系统
US11574300B1 (en) 2014-04-30 2023-02-07 Wells Fargo Bank, N.A. Mobile wallet systems and methods using trace identifier using card networks
US20150319612A1 (en) * 2014-05-01 2015-11-05 Global Tel*Link Corp. System and Method for Authenticating Called Parties of Individuals Within a Controlled Environment
US11270274B1 (en) * 2014-05-20 2022-03-08 Wells Fargo Bank, N.A. Mobile wallet using math based currency systems and methods
US11037110B1 (en) 2014-05-20 2021-06-15 Wells Fargo Bank, N.A. Math based currency point of sale systems and methods
CN106465112A (zh) 2014-05-21 2017-02-22 维萨国际服务协会 离线认证
CN105337933B (zh) * 2014-07-03 2018-08-31 阿里巴巴集团控股有限公司 创建子账户的方法、系统以及主账户装置和子账户装置
US9775029B2 (en) 2014-08-22 2017-09-26 Visa International Service Association Embedding cloud-based functionalities in a communication device
EP3192043A4 (en) * 2014-09-11 2018-01-17 Mastercard International, Inc. System and method for processing financial transactions using a mobile device for payment
US9449318B2 (en) * 2014-10-01 2016-09-20 Paypal, Inc. Systems and methods for providing payment hotspots
CN107004190A (zh) * 2014-10-10 2017-08-01 加拿大皇家银行 用于处理电子交易的系统
FR3028646A1 (fr) * 2014-11-14 2016-05-20 Orange Procede de securisation d'une transaction entre un terminal mobile et un serveur d'un fournisseur de service par l'intermediaire d'une plateforme
CN105743851B (zh) 2014-12-09 2019-06-21 阿里巴巴集团控股有限公司 业务处理方法、装置及业务服务器
EP3032796A1 (en) * 2014-12-11 2016-06-15 Tatra banka, a. s. Identification module for two-factor authentication with 2D visual coding
US10990974B1 (en) 2015-01-15 2021-04-27 Wells Fargo Bank, N.A. Identity verification services and user information provision via application programming interface
US10997654B1 (en) 2015-01-15 2021-05-04 Wells Fargo Bank, N.A. Identity verification services through external entities via application programming interface
US10937025B1 (en) 2015-01-15 2021-03-02 Wells Fargo Bank, N.A. Payment services via application programming interface
US10621658B1 (en) 2015-01-15 2020-04-14 Wells Fargo Bank, N.A. Identity verification services with identity score through external entities via application programming interface
US11354651B2 (en) 2015-01-19 2022-06-07 Royal Bank Of Canada System and method for location-based token transaction processing
WO2016115620A1 (en) 2015-01-19 2016-07-28 Royal Bank Of Canada Secure processing of electronic payments
US11216468B2 (en) 2015-02-08 2022-01-04 Visa International Service Association Converged merchant processing apparatuses, methods and systems
CN104732380A (zh) * 2015-02-16 2015-06-24 小米科技有限责任公司 一种进行转账处理的方法和装置
US20160267444A1 (en) * 2015-03-11 2016-09-15 Mark Mathenge Mutahi Payments through Virtualization of a Physical Point of Sale (POS) Terminal and Money Transfer Using Mobile Device
US10467602B2 (en) * 2015-03-11 2019-11-05 Facebook, Inc. Facilitating sending, receiving, and updating of payments using message and payment queues
EP3073670B1 (en) * 2015-03-27 2020-09-02 Black Gold Coin, Inc. A system and a method for personal identification and verification
CN106156087A (zh) * 2015-04-01 2016-11-23 阿里巴巴集团控股有限公司 数据处理方法及装置
US20160321637A1 (en) * 2015-04-30 2016-11-03 Kevin Carvalho Point of sale payment using mobile device and checkout credentials
US10402790B1 (en) 2015-05-28 2019-09-03 United Services Automobile Association (Usaa) Composing a focused document image from multiple image captures or portions of multiple image captures
US20160350741A1 (en) * 2015-06-01 2016-12-01 Fexco System and method for mobile device transactions at a merchant terminal
US9948630B2 (en) 2015-06-30 2018-04-17 United States Postal Service System and method of providing identity verification services
US11599879B2 (en) 2015-07-02 2023-03-07 Royal Bank Of Canada Processing of electronic transactions
WO2017006194A1 (en) * 2015-07-07 2017-01-12 DOWNER, Albert System of payment made in real time
US20170024733A1 (en) * 2015-07-20 2017-01-26 Thomas Purves Seamless transaction minimizing user input
US20170032370A1 (en) * 2015-07-27 2017-02-02 Mastercard International Incorporated Electronic payment transactions using machine readable code without requiring online connection
CN105205660A (zh) * 2015-08-28 2015-12-30 深圳市泰久信息系统股份有限公司 一种依托二维码技术实现无卡支付的方法
US10706400B1 (en) 2015-11-19 2020-07-07 Wells Fargo Bank, N.A. Systems and methods for financial operations performed at a contactless ATM
US10535047B1 (en) * 2015-11-19 2020-01-14 Wells Fargo Bank N.A. Systems and methods for financial operations performed at a contactless ATM
US9769310B2 (en) 2015-11-19 2017-09-19 Global Tel*Link Corporation Authentication and control of incoming communication
US10067637B2 (en) 2015-12-14 2018-09-04 Paypal, Inc. Application data displayed through a selectable application icon
US11049096B2 (en) 2015-12-31 2021-06-29 Paypal, Inc. Fault tolerant token based transaction systems
US11436593B2 (en) * 2016-03-31 2022-09-06 Bitflyer Blockchain, Inc. Transaction processing device, transaction processing method, and program for same
US10460367B2 (en) 2016-04-29 2019-10-29 Bank Of America Corporation System for user authentication based on linking a randomly generated number to the user and a physical item
CN106911658B (zh) 2016-06-07 2021-08-06 创新先进技术有限公司 数据的传输方法、数据发送端、数据接收端及系统
US10762505B1 (en) 2016-06-13 2020-09-01 Wells Fargo Bank, N.A. Authentication transaction
US10268635B2 (en) 2016-06-17 2019-04-23 Bank Of America Corporation System for data rotation through tokenization
EP4303797A1 (en) * 2016-06-22 2024-01-10 National Payments Corporation of India An electronic payment system and method thereof
CN106209378B (zh) * 2016-07-06 2019-10-25 中国银联股份有限公司 基于虚拟安全信息载体的安全性信息交互方法
CN109496405B (zh) * 2016-07-29 2022-05-17 维萨国际服务协会 利用密码技术的多装置认证方法和系统
US10749681B2 (en) 2016-10-26 2020-08-18 Black Gold Coin, Inc. Systems and methods for providing a universal decentralized solution for verification of users with cross-verification features
US10484178B2 (en) 2016-10-26 2019-11-19 Black Gold Coin, Inc. Systems and methods for providing a universal decentralized solution for verification of users with cross-verification features
US9794399B1 (en) 2016-12-23 2017-10-17 Global Tel*Link Corporation System and method for multilingual authentication access to communication system in controlled environment
CN108269084A (zh) 2017-01-03 2018-07-10 阿里巴巴集团控股有限公司 一种用于在移动设备上进行扫码支付的方法及装置
US11049104B2 (en) * 2017-04-05 2021-06-29 Samsung Sds Co., Ltd. Method of processing payment based on blockchain and apparatus thereof
US10796304B2 (en) * 2017-06-12 2020-10-06 Bank Of America Corporation System and method of managing computing resources
WO2019028481A1 (en) * 2017-08-03 2019-02-07 Just Pay (Pty) Ltd. MOBILE PAYMENT SYSTEM
US11688003B2 (en) * 2017-09-19 2023-06-27 The Toronto-Dominion Bank System and method for integrated application and provisioning
US11367070B2 (en) * 2017-09-19 2022-06-21 The Toronto-Dominion Bank System and method for provisioning a data transfer application
CA3017883A1 (en) * 2017-09-19 2019-03-19 The Toronto-Dominion Bank System and method for integrated application and provisioning
US11106515B1 (en) 2017-12-28 2021-08-31 Wells Fargo Bank, N.A. Systems and methods for multi-platform product integration
US11676126B1 (en) 2017-12-28 2023-06-13 Wells Fargo Bank, N.A. Account open interfaces
US11995619B1 (en) 2017-12-28 2024-05-28 Wells Fargo Bank, N.A. Account open interfaces
US11037114B2 (en) 2018-03-22 2021-06-15 Diebold Nixdorf, Incorporated System and method for financial transactions
US11030752B1 (en) 2018-04-27 2021-06-08 United Services Automobile Association (Usaa) System, computing device, and method for document detection
US10445630B1 (en) 2018-05-04 2019-10-15 Paypal, Inc. System and method for generating a dynamic machine readable code
US20190347652A1 (en) * 2018-05-11 2019-11-14 Global Mobile Finance, Inc. Methodology and system for selecting nodes to execute chaincode in a blockchain environment with a mobile money gateway
US11636468B1 (en) * 2018-09-27 2023-04-25 Block, Inc. Encapsulation of payment accounts with nested tokens
US11514437B1 (en) 2018-09-27 2022-11-29 Block, Inc. Encapsulation of payment accounts with tokenization
CN109523244B (zh) * 2018-11-02 2023-06-27 创新先进技术有限公司 一种基于母子账户的用于转移款项数据的方法和系统
US11379850B1 (en) 2018-12-10 2022-07-05 Wells Fargo Bank, N.A. Third-party payment interfaces
CN109961317A (zh) * 2019-02-20 2019-07-02 江苏瑞祥科技集团有限公司 一种用于客户拓展的一体化营销管理系统
US11227354B2 (en) 2019-05-20 2022-01-18 The Toronto-Dominion Bank Integration of workflow with digital ID
US11044246B1 (en) 2019-06-21 2021-06-22 Wells Fargo Bank, N.A. Secure communications via third-party systems through frames
US11694187B2 (en) * 2019-07-03 2023-07-04 Capital One Services, Llc Constraining transactional capabilities for contactless cards
US11868981B2 (en) 2019-08-02 2024-01-09 Mastercard International Incorporated System and method to support payment acceptance capability for merchants
JP7556520B2 (ja) 2019-08-03 2024-09-26 株式会社Ｍｒｓホールディングズ 資金移動管理システム及び該システムによる資金移動管理方法並びに該方法を実行するためのプログラム
CN115176262A (zh) * 2019-08-08 2022-10-11 工场有限公司 用于在条形码中编码资源访问凭证的系统
US11790471B2 (en) 2019-09-06 2023-10-17 United States Postal Service System and method of providing identity verification services
US11410194B1 (en) * 2019-10-18 2022-08-09 Wells Fargo Bank, N.A. Systems and methods for linking ATM to retailer transaction to preserve anonymity
US11367059B2 (en) 2019-10-31 2022-06-21 The Toronto-Dominion Bank Integrated credit application and merchant transaction including concurrent visualization of transaction details
US11455620B2 (en) 2019-12-31 2022-09-27 Capital One Services, Llc Tapping a contactless card to a computing device to provision a virtual number
TR202003100A1 (tr) * 2020-02-28 2021-09-21 Istanbul Teknik Ueniversitesi Bilimsel Ararstirma Proje Birim Güvenli̇ e-ti̇caret protokolü tasarim ve algori̇tma geli̇şti̇ri̇lmesi̇
US11188637B1 (en) 2020-06-28 2021-11-30 Mark Lawson Systems and methods for link device authentication
US11900755B1 (en) 2020-11-30 2024-02-13 United Services Automobile Association (Usaa) System, computing device, and method for document detection and deposit processing
US12052269B2 (en) 2022-03-28 2024-07-30 Bank Of America Corporation Secure network communications apparatus for communicating sensitive data

Family Cites Families (96)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5422624A (en) * 1993-05-25 1995-06-06 Intellectual Property Development Associates Of Connecticut, Inc. Methods and apparatus for inputting messages, including advertisements, to a vehicle
US5991749A (en) * 1996-09-11 1999-11-23 Morrill, Jr.; Paul H. Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities
TW355899B (en) 1997-01-30 1999-04-11 Qualcomm Inc Method and apparatus for performing financial transactions using a mobile communication unit
EP0917119A3 (en) * 1997-11-12 2001-01-10 Citicorp Development Center, Inc. Distributed network based electronic wallet
US6404884B1 (en) * 1999-10-08 2002-06-11 Grape Technology Group, Inc. Personalized assistance system and method
AU784041B2 (en) 1999-11-30 2006-01-19 Citibank, N.A. System and method for performing an electronic transaction using a transaction proxy with an electronic wallet
JP2001202429A (ja) * 2000-01-18 2001-07-27 Star Net Kk 携帯電話機を使用した決済方法、および携帯電話機を使用した決済システム、並びに携帯電話機を使用した決済方法のプログラムが記憶されている記憶媒体
US8052042B2 (en) 2000-02-05 2011-11-08 Diebold Self-Services Systems Division Of Diebold, Incorporated Automated banking system controlled responsive to data bearing records
US7865414B2 (en) * 2000-03-01 2011-01-04 Passgate Corporation Method, system and computer readable medium for web site account and e-commerce management from a central location
JP2001344545A (ja) * 2000-03-29 2001-12-14 Ibm Japan Ltd 処理システム、サーバ、処理端末、通信端末、処理方法、データ管理方法、処理実行方法、プログラム
JP2001297198A (ja) 2000-04-14 2001-10-26 Sanwa Bank Ltd 携帯電話に組み込まれる金融処理システム
KR100933387B1 (ko) 2000-04-24 2009-12-22 비자 인터내셔날 써비스 어쏘시에이션 온라인 지불인 인증 서비스
CA2329895A1 (en) 2000-09-19 2002-03-19 Soft Tracks Enterprises Ltd. Merchant wallet server
JP2002099716A (ja) 2000-09-25 2002-04-05 Masanao Kuninobu 電子決済システム
AU2002226995A1 (en) * 2000-11-28 2002-06-11 4Thpass Inc. Method and system for maintaining and distributing wireless applications
JP2002230457A (ja) * 2001-01-30 2002-08-16 Daiwa Securities Group Inc サーバ装置および料金情報通知方式
EP1231578A3 (de) * 2001-02-01 2004-03-10 Siemens Aktiengesellschaft Verfahren und Anordnung zur Durchführung einer bargeldlosen Zahlungsaktion
KR20020065989A (ko) 2001-02-08 2002-08-14 스타브리지커뮤니케이션 주식회사 이동통신 단말기상의 지불코드를 이용한 지불결제방법
DE10119808A1 (de) 2001-03-01 2002-09-12 Chris Holland Transaktionsverfahren und Anordnung zur Bereitstellung einer Ware, Dienstleistung oder Funktionalität
US20040030645A1 (en) * 2001-04-16 2004-02-12 Stephen Monaghan Method and system for performing a transaction utilising a thin payment network (mvent)
US7024174B2 (en) * 2001-07-24 2006-04-04 Citibank, N.A. Method and system for data management in electronic payments transactions
JP2003044682A (ja) * 2001-07-30 2003-02-14 Ufj Bank Ltd 送金システム、送金方法及び口座内管理装置とワレット入出金・与信管理システム並びにコンピュータ・ソフトウエア
US7099850B1 (en) * 2001-09-21 2006-08-29 Jpmorgan Chase Bank, N.A. Methods for providing cardless payment
US7461028B2 (en) * 2001-11-27 2008-12-02 Pitney Bowes Inc. Method and system for authorizing use of a transaction card
US7996888B2 (en) * 2002-01-11 2011-08-09 Nokia Corporation Virtual identity apparatus and method for using same
KR20030068603A (ko) 2002-02-15 2003-08-25 나루시스템 주식회사 휴대폰을 이용한 대금 결재 시스템 및 그 방법
US20030195842A1 (en) * 2002-04-15 2003-10-16 Kenneth Reece Method and device for making secure transactions
US7707120B2 (en) 2002-04-17 2010-04-27 Visa International Service Association Mobile account authentication service
JP2004062771A (ja) * 2002-07-31 2004-02-26 Show Engineering:Kk インターネットバンクの口座を用いた決済システム
US7784684B2 (en) * 2002-08-08 2010-08-31 Fujitsu Limited Wireless computer wallet for physical point of sale (POS) transactions
US7822688B2 (en) 2002-08-08 2010-10-26 Fujitsu Limited Wireless wallet
US7606560B2 (en) * 2002-08-08 2009-10-20 Fujitsu Limited Authentication services using mobile device
US7494055B2 (en) 2002-09-17 2009-02-24 Vivotech, Inc. Collaborative negotiation techniques for mobile personal trusted device financial transactions
GB0229765D0 (en) 2002-12-20 2003-01-29 Radicall Projects Ltd Payment system
IL154733A0 (en) * 2003-03-04 2003-10-31 Financial transaction authorization apparatus and method
US20050080697A1 (en) * 2003-10-14 2005-04-14 Foss Sheldon H. System, method and apparatus for providing financial services
US20040248554A1 (en) * 2003-06-09 2004-12-09 Khan Mohammad Ather Method of paying from an account by a customer having a mobile user terminal, and a customer authenticating network
US20050070265A1 (en) 2003-09-29 2005-03-31 Nokia Corporation Method, terminal device and system for remote initiation of network applications within mobile communication environment
WO2005086593A2 (en) 2004-02-05 2005-09-22 A Little World Private Limited Inter-operable, multi-operator, multi-bank, multi-merchant mobile payment method and a system therefor
CN1922623A (zh) * 2004-02-17 2007-02-28 富士通株式会社 无线钱包
US20050222961A1 (en) * 2004-04-05 2005-10-06 Philippe Staib System and method of facilitating contactless payment transactions across different payment systems using a common mobile device acting as a stored value device
CN1581186A (zh) * 2004-05-21 2005-02-16 叶海峰 一种手机支付系统及方法
US7014107B2 (en) * 2004-07-20 2006-03-21 Irek Singer Wireless payment processing system
KR101150241B1 (ko) 2004-08-18 2012-06-12 마스터카드 인터내셔날, 인코포레이티드 동적 인증 코드를 이용한 트랜잭션의 승인 방법 및 시스템
US7423535B2 (en) * 2004-08-26 2008-09-09 Avante International Technology, Inc. Object monitoring, locating, and tracking method employing RFID devices
US20100044430A1 (en) * 2005-01-03 2010-02-25 Yuh-Shen Song Automated Remittance Network
US20060136901A1 (en) 2004-12-22 2006-06-22 Sony Ericsson Mobile Communications Ab Mobile financial transaction management system and method
US8700729B2 (en) * 2005-01-21 2014-04-15 Robin Dua Method and apparatus for managing credentials through a wireless network
US7303137B2 (en) * 2005-02-04 2007-12-04 Chun-Hsin Ho Dual integrated circuit card system
US20060200427A1 (en) * 2005-03-01 2006-09-07 Morrison Robert A Systems and methods for securing transactions with biometric information
KR100659675B1 (ko) * 2005-03-21 2006-12-21 김영수 송금자가 수금자로부터 전송받은 입금요청을 승인하여 계좌이체를 수행하는 계좌이체시스템 및 그 계좌이체방법
KR100841717B1 (ko) 2005-04-04 2008-06-27 지대호 통신단말기 및 은행계좌와 연계된 가상계좌, 및 그의 관리방법
US8996423B2 (en) * 2005-04-19 2015-03-31 Microsoft Corporation Authentication for a commercial transaction using a mobile module
US20060265243A1 (en) * 2005-05-20 2006-11-23 Jeffrey Racho System and method for establishing or verifying a person's identity using SMS and MMS over a wireless communications network
EP1902414A2 (en) * 2005-06-06 2008-03-26 SMS. AC, Inc. Billing system and method for micro-transactions
US7347361B2 (en) * 2005-06-13 2008-03-25 Robert Lovett System, method and program product for account transaction validation
JP2007041954A (ja) 2005-08-04 2007-02-15 Felica Networks Inc 価値情報移動システム，価値情報移動方法
US8090945B2 (en) * 2005-09-16 2012-01-03 Tara Chand Singhal Systems and methods for multi-factor remote user authentication
US20070108269A1 (en) * 2005-11-16 2007-05-17 Benco David S Processing merchant point-of-sale transactions using a mobile subscriber device
US20090248537A1 (en) * 2005-12-01 2009-10-01 Shahriar Sarkeshik Commercial transaction facilitation system
US20070125838A1 (en) * 2005-12-06 2007-06-07 Law Eric C W Electronic wallet management
US20070125840A1 (en) * 2005-12-06 2007-06-07 Boncle, Inc. Extended electronic wallet management
US8352323B2 (en) * 2007-11-30 2013-01-08 Blaze Mobile, Inc. Conducting an online payment transaction using an NFC enabled mobile communication device
US7657489B2 (en) * 2006-01-18 2010-02-02 Mocapay, Inc. Systems and method for secure wireless payment transactions
US20070203850A1 (en) 2006-02-15 2007-08-30 Sapphire Mobile Systems, Inc. Multifactor authentication system
KR100822985B1 (ko) 2006-03-10 2008-04-17 주식회사 신한은행 닉네임을 이용한 지불결제 처리 시스템
US20070244811A1 (en) * 2006-03-30 2007-10-18 Obopay Inc. Mobile Client Application for Mobile Payments
CA2649101A1 (en) * 2006-04-17 2007-11-01 Veritec, Inc. Methods and systems for secure transactions with electronic devices
JP5139715B2 (ja) 2006-04-25 2013-02-06 Ｋｄｄｉ株式会社 携帯電話を利用した金融取引サービス方法および金融取引サービスシステム
MY149658A (en) 2006-06-12 2013-09-30 Mobile Money Internat Sdn Bhd Transaction server
US7512567B2 (en) * 2006-06-29 2009-03-31 Yt Acquisition Corporation Method and system for providing biometric authentication at a point-of-sale via a mobile device
US20080011825A1 (en) 2006-07-12 2008-01-17 Giordano Claeton J Transactions using handheld electronic devices based on unobtrusive provisioning of the devices
US20080017704A1 (en) 2006-07-24 2008-01-24 First Data Corporation Contactless Electronic Wallet Payment Device
US7708194B2 (en) 2006-08-23 2010-05-04 Verizon Patent And Licensing Inc. Virtual wallet
KR20080042374A (ko) 2006-11-09 2008-05-15 노틸러스효성 주식회사 이동통신 단말기를 이용한 현금서비스 제공방법
US8793184B2 (en) * 2007-02-12 2014-07-29 Visa U.S.A. Inc. Mobile payment services
FR2912856B1 (fr) * 2007-02-20 2015-06-05 Credit Lyonnais Securisation des transactions d'un prestataire sur un telephone mobile
US20080208762A1 (en) 2007-02-22 2008-08-28 First Data Corporation Payments using a mobile commerce device
US20080208743A1 (en) * 2007-02-22 2008-08-28 First Data Corporation Transfer of value between mobile devices in a mobile commerce system
US8566239B2 (en) 2007-02-22 2013-10-22 First Data Corporation Mobile commerce systems and methods
US8087060B2 (en) * 2007-03-16 2011-12-27 James Mark Norman Chaining information card selectors
US20080249928A1 (en) * 2007-04-06 2008-10-09 Hill Dennis J Payment card based remittance system with designation of recipient by mobile telephone number
US8548908B2 (en) * 2007-04-11 2013-10-01 First Data Corporation Mobile commerce infrastructure systems and methods
GB2449510A (en) * 2007-05-24 2008-11-26 Asim Bucuk A method and system for the creation, management and authentication of links between people, entities, objects and devices
CN101071492A (zh) * 2007-06-20 2007-11-14 中国工商银行股份有限公司 一种基于手机银行的手机缴费方法及系统
US8538819B2 (en) * 2007-07-30 2013-09-17 Ebay Inc. Method and system for dynamic funding
US20090063312A1 (en) * 2007-08-28 2009-03-05 Hurst Douglas J Method and System for Processing Secure Wireless Payment Transactions and for Providing a Virtual Terminal for Merchant Processing of Such Transactions
US8762211B2 (en) 2007-10-03 2014-06-24 Mastercard International Incorporated System for personalized payments via mobile devices
US20090106148A1 (en) * 2007-10-17 2009-04-23 Christian Prada Pre-paid financial system
US8095113B2 (en) * 2007-10-17 2012-01-10 First Data Corporation Onetime passwords for smart chip cards
US20090108015A1 (en) * 2007-10-30 2009-04-30 David Kreamer Combination ATM/Vending Machine Kiosk
US7958052B2 (en) * 2007-12-31 2011-06-07 Mastercard International Incorporated Methods and systems for cardholder initiated transactions
US8249967B2 (en) * 2008-01-10 2012-08-21 Park David S Image-based payment medium
DE102008011192A1 (de) * 2008-02-26 2009-08-27 Wincor Nixdorf International Gmbh Verfahren und Diensterechner sowie System zur Transaktion eines Geldbetrages
US20090281904A1 (en) 2008-04-02 2009-11-12 Pharris Dennis J Mobile telephone transaction systems and methods
US20120047070A1 (en) * 2008-04-02 2012-02-23 Jennifer Pharris ATM/KIOSK Cash Acceptance

Also Published As

Publication number Publication date
AU2009251572A8 (en) 2010-11-18
JP2011518377A (ja) 2011-06-23
WO2009146110A1 (en) 2009-12-03
ECSP10010591A (es) 2011-02-28
MX2010010812A (es) 2010-12-20
AU2009251576A1 (en) 2009-12-03
ECSP10010590A (es) 2011-02-28
TW201005667A (en) 2010-02-01
EP2266335A1 (en) 2010-12-29
AU2009251577A1 (en) 2009-12-03
MX2010010811A (es) 2010-12-20
EP2266335A4 (en) 2012-02-29
CN101990772A (zh) 2011-03-23
EP2266332A1 (en) 2010-12-29
CO6311124A2 (es) 2011-08-22
EA201071155A1 (ru) 2011-06-30
EA201071154A1 (ru) 2011-06-30
CA2720126A1 (en) 2009-12-03
BRPI0911097A2 (pt) 2015-10-06
CN101990676A (zh) 2011-03-23
EP2266087A2 (en) 2010-12-29
WO2009146111A3 (en) 2010-01-21
CN101990770A (zh) 2011-03-23
WO2009146106A1 (en) 2009-12-03
CA2719945A1 (en) 2009-12-03
US20090254440A1 (en) 2009-10-08
CA2719944A1 (en) 2009-12-03
BRPI0911095A2 (pt) 2015-10-06
US8301500B2 (en) 2012-10-30
AP2010005445A0 (en) 2010-12-31
JP2011516980A (ja) 2011-05-26
WO2009146111A2 (en) 2009-12-03
AU2009251572A1 (en) 2009-12-03
EP2266332A4 (en) 2012-02-29
AU2009251576A8 (en) 2010-11-18
BRPI0911093A2 (pt) 2015-10-06
KR20100123896A (ko) 2010-11-25
NZ588573A (en) 2012-05-25
US20090254479A1 (en) 2009-10-08
DOP2010000289A (es) 2011-03-15
EP2266087A4 (en) 2012-02-29
MX2010010810A (es) 2010-12-21
DOP2010000288A (es) 2011-03-15
KR20100135249A (ko) 2010-12-24
KR20100123895A (ko) 2010-11-25
AU2009251577A8 (en) 2010-11-18
EA201071156A1 (ru) 2011-06-30
AP2010005449A0 (en) 2010-12-31
US20090281904A1 (en) 2009-11-12

Similar Documents

Publication Publication Date Title
CO6311125A2 (es) Un método para procesar transacciones de pago usando un teléfono celular como dispositivo de pago
MX2011012904A (es) Sistema y metodo para proporcionar autenticacion para transacciones de tarjeta no presente utilizando un dispositivo movil.
WO2014031866A3 (en) Method and apparatus for processing payment transactions
NZ628971A (en) Transaction processing system and method
MX2015009820A (es) Autoridades emisoras de autenticacion de transaccion.
WO2012040270A3 (en) Systems and methods to program operations for interaction with users
CL2015000413A1 (es) Método y sistema para habilitar ticketing/pagos móviles sin contacto por medio de una aplicación de teléfono móvil
BR112015011185A2 (pt) sistemas e métodos para o processamento de pagamentos eletrônicos entre pessoas
BR112012013347A2 (pt) sistema e processo para aprovação de transações
WO2014181187A3 (en) Systems and methods for financial transactions between mobile devices via hand gestures
SG10201901701XA (en) Method, device and system for invoking local service assembly by browser
BR112013017156A2 (pt) sistema de melhoria de dados, sistema de melhoria de dados de trilhos e sistema de melhoria de dados de banco de dados de trilhos
BR112012022938A2 (pt) métodos e sistema
BR112014002175A8 (pt) Mídia legível por computador não transitória, sistema de computação e método implantado por computador
MX350638B (es) Sistema y métodos para creación de cuentas utilizando un teléfono básico.
WO2012040345A3 (en) Third party integrated security system
WO2012088512A3 (en) Mobile phone atm processing methods and systems
MX2013014673A (es) Sistema y metodo de consulta de saldo multifactorial y transferencia electronica de fondos.
MX2014014747A (es) Metodos y aparatos para asociar transacciones con impresiones de medios.
MX363898B (es) Sistemas y metodos para procesar pagos electronicos utilizando un directorio de pago global.
GB201011864D0 (en) System and method for data completion including push identifier
BR112012030358A2 (pt) método e dispositivos para produção e uso de um documento de identificação que pode ser revelado em um dispositivo móvel
WO2015023713A3 (en) Mobile application check-in and payment systems and methods of their operation
GB201120218D0 (en) Peer-to-peer payment registration and activation
SG10201610030UA (en) A system and method for utilizing biometric data in a payment transaction

Legal Events

Date Code Title Description
FA Application withdrawn