EP2786327A4 - Electronic payment system - Google Patents
Electronic payment systemInfo
- Publication number
- EP2786327A4 EP2786327A4 EP12852479.0A EP12852479A EP2786327A4 EP 2786327 A4 EP2786327 A4 EP 2786327A4 EP 12852479 A EP12852479 A EP 12852479A EP 2786327 A4 EP2786327 A4 EP 2786327A4
- Authority
- EP
- European Patent Office
- Prior art keywords
- payment system
- electronic payment
- electronic
- payment
- 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.)
- Withdrawn
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
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
-
- 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
- G06Q20/30—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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
-
- 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
- G06Q20/405—Establishing or using transaction specific rules
-
- 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
- G06Q20/24—Credit schemes, i.e. "pay after"
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
FI20116222A FI20116222A (en) | 2011-12-02 | 2011-12-02 | MONEY TRANSFER SYSTEM |
PCT/FI2012/051177 WO2013079793A1 (en) | 2011-12-02 | 2012-11-29 | Electronic payment system |
Publications (2)
Publication Number | Publication Date |
---|---|
EP2786327A1 EP2786327A1 (en) | 2014-10-08 |
EP2786327A4 true EP2786327A4 (en) | 2015-08-05 |
Family
ID=48534732
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP12852479.0A Withdrawn EP2786327A4 (en) | 2011-12-02 | 2012-11-29 | Electronic payment system |
Country Status (3)
Country | Link |
---|---|
EP (1) | EP2786327A4 (en) |
FI (1) | FI20116222A (en) |
WO (1) | WO2013079793A1 (en) |
Families Citing this family (17)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US11610197B1 (en) | 2014-04-30 | 2023-03-21 | Wells Fargo Bank, N.A. | Mobile wallet rewards redemption systems and methods |
US11748736B1 (en) | 2014-04-30 | 2023-09-05 | Wells Fargo Bank, N.A. | Mobile wallet integration within mobile banking |
US11461766B1 (en) | 2014-04-30 | 2022-10-04 | Wells Fargo Bank, N.A. | Mobile wallet using tokenized card systems and methods |
US11663599B1 (en) | 2014-04-30 | 2023-05-30 | Wells Fargo Bank, N.A. | Mobile wallet authentication systems and methods |
US11574300B1 (en) | 2014-04-30 | 2023-02-07 | Wells Fargo Bank, N.A. | Mobile wallet systems and methods using trace identifier using card networks |
US9652770B1 (en) | 2014-04-30 | 2017-05-16 | Wells Fargo Bank, N.A. | Mobile wallet using tokenized card systems and methods |
US11288660B1 (en) | 2014-04-30 | 2022-03-29 | Wells Fargo Bank, N.A. | Mobile wallet account balance systems and methods |
US10997592B1 (en) | 2014-04-30 | 2021-05-04 | Wells Fargo Bank, N.A. | Mobile wallet account balance systems and methods |
US10445739B1 (en) | 2014-08-14 | 2019-10-15 | Wells Fargo Bank, N.A. | Use limitations for secondary users of financial accounts |
US11853919B1 (en) | 2015-03-04 | 2023-12-26 | Wells Fargo Bank, N.A. | Systems and methods for peer-to-peer funds requests |
US11468414B1 (en) | 2016-10-03 | 2022-10-11 | Wells Fargo Bank, N.A. | Systems and methods for establishing a pull payment relationship |
US11295297B1 (en) | 2018-02-26 | 2022-04-05 | Wells Fargo Bank, N.A. | Systems and methods for pushing usable objects and third-party provisioning to a mobile wallet |
US11775955B1 (en) | 2018-05-10 | 2023-10-03 | Wells Fargo Bank, N.A. | Systems and methods for making person-to-person payments via mobile client application |
US11074577B1 (en) | 2018-05-10 | 2021-07-27 | Wells Fargo Bank, N.A. | Systems and methods for making person-to-person payments via mobile client application |
US12045809B1 (en) | 2018-08-30 | 2024-07-23 | Wells Fargo Bank, N.A. | Biller consortium enrollment and transaction management engine |
US11551190B1 (en) | 2019-06-03 | 2023-01-10 | Wells Fargo Bank, N.A. | Instant network cash transfer at point of sale |
US11995621B1 (en) | 2021-10-22 | 2024-05-28 | Wells Fargo Bank, N.A. | Systems and methods for native, non-native, and hybrid registration and use of tags for real-time services |
Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2006022513A1 (en) * | 2004-08-25 | 2006-03-02 | Sk Telecom Co., Ltd. | Authentication and payment system and method using mobile communication terminal |
WO2009112793A1 (en) * | 2008-03-14 | 2009-09-17 | British Telecommunications Public Limited Company | Mobile payments |
Family Cites Families (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20070005498A1 (en) * | 2000-11-06 | 2007-01-04 | Cataline Glen R | System and method for optimized funding of electronic transactions |
US8160959B2 (en) * | 2006-07-06 | 2012-04-17 | Firethorn Mobile, Inc. | Methods and systems for payment transactions in a mobile environment |
US8606706B2 (en) * | 2009-02-13 | 2013-12-10 | Bank Of America Corporation | Systems, methods and computer program products for standardization of payment requests to facilitate comprehensive payment hub processing |
-
2011
- 2011-12-02 FI FI20116222A patent/FI20116222A/en not_active Application Discontinuation
-
2012
- 2012-11-29 EP EP12852479.0A patent/EP2786327A4/en not_active Withdrawn
- 2012-11-29 WO PCT/FI2012/051177 patent/WO2013079793A1/en active Application Filing
Patent Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2006022513A1 (en) * | 2004-08-25 | 2006-03-02 | Sk Telecom Co., Ltd. | Authentication and payment system and method using mobile communication terminal |
WO2009112793A1 (en) * | 2008-03-14 | 2009-09-17 | British Telecommunications Public Limited Company | Mobile payments |
Non-Patent Citations (1)
Title |
---|
See also references of WO2013079793A1 * |
Also Published As
Publication number | Publication date |
---|---|
EP2786327A1 (en) | 2014-10-08 |
WO2013079793A1 (en) | 2013-06-06 |
FI20116222A (en) | 2013-06-03 |
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Legal Events
Date | Code | Title | Description |
---|---|---|---|
PUAI | Public reference made under article 153(3) epc to a published international application that has entered the european phase |
Free format text: ORIGINAL CODE: 0009012 |
|
17P | Request for examination filed |
Effective date: 20140627 |
|
AK | Designated contracting states |
Kind code of ref document: A1 Designated state(s): AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR |
|
DAX | Request for extension of the european patent (deleted) | ||
RA4 | Supplementary search report drawn up and despatched (corrected) |
Effective date: 20150703 |
|
RIC1 | Information provided on ipc code assigned before grant |
Ipc: G06Q 20/10 20120101ALI20150629BHEP Ipc: G06Q 40/00 20120101ALI20150629BHEP Ipc: G06Q 20/00 20120101AFI20150629BHEP Ipc: G06Q 20/32 20120101ALI20150629BHEP |
|
17Q | First examination report despatched |
Effective date: 20160301 |
|
STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: EXAMINATION IS IN PROGRESS |
|
19U | Interruption of proceedings before grant |
Effective date: 20160708 |
|
19W | Proceedings resumed before grant after interruption of proceedings |
Effective date: 20211001 |
|
PUAJ | Public notification under rule 129 epc |
Free format text: ORIGINAL CODE: 0009425 |
|
32PN | Public notification |
Free format text: COMMUNICATION PURSUANT TO RULE 142 EPC (RESUMPTION OF PROCEEDINGS UNDER RULE 142(2) EPC DATED 06.04.2021) |
|
STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: THE APPLICATION IS DEEMED TO BE WITHDRAWN |
|
18D | Application deemed to be withdrawn |
Effective date: 20220401 |