EP3005260A4 - Procédés et systèmes pour systèmes de paiement agnostiques - Google Patents

Procédés et systèmes pour systèmes de paiement agnostiques Download PDF

Info

Publication number
EP3005260A4
EP3005260A4 EP14803712.0A EP14803712A EP3005260A4 EP 3005260 A4 EP3005260 A4 EP 3005260A4 EP 14803712 A EP14803712 A EP 14803712A EP 3005260 A4 EP3005260 A4 EP 3005260A4
Authority
EP
European Patent Office
Prior art keywords
systems
methods
agnostic
agnostic payment
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.)
Ceased
Application number
EP14803712.0A
Other languages
German (de)
English (en)
Other versions
EP3005260A1 (fr
Inventor
Pablos Holman
Roderick A. Hyde
Royce A. Levien
Robert W. Lord
Mark A. Malamud
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US13/907,565 external-priority patent/US20140279421A1/en
Application filed by Individual filed Critical Individual
Publication of EP3005260A1 publication Critical patent/EP3005260A1/fr
Publication of EP3005260A4 publication Critical patent/EP3005260A4/fr
Ceased legal-status Critical Current

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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless 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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; 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
    • G06Q20/08—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
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable 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]
    • G06Q20/3224—Transactions dependent on location of 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
    • G06Q20/327—Short range or proximity payments by means of 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • G—PHYSICS
    • G06—COMPUTING; 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

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
EP14803712.0A 2013-05-31 2014-03-14 Procédés et systèmes pour systèmes de paiement agnostiques Ceased EP3005260A4 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US13/907,565 US20140279421A1 (en) 2013-03-15 2013-05-31 Methods and systems for agnostic payment systems
PCT/US2014/027695 WO2014193519A1 (fr) 2013-05-31 2014-03-14 Procédés et systèmes pour systèmes de paiement agnostiques

Publications (2)

Publication Number Publication Date
EP3005260A1 EP3005260A1 (fr) 2016-04-13
EP3005260A4 true EP3005260A4 (fr) 2017-03-15

Family

ID=51989292

Family Applications (1)

Application Number Title Priority Date Filing Date
EP14803712.0A Ceased EP3005260A4 (fr) 2013-05-31 2014-03-14 Procédés et systèmes pour systèmes de paiement agnostiques

Country Status (2)

Country Link
EP (1) EP3005260A4 (fr)
WO (1) WO2014193519A1 (fr)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109191133B (zh) * 2018-08-22 2023-04-28 平安普惠企业管理有限公司 支付渠道的选择方法及终端设备

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20100211422A1 (en) * 2009-02-13 2010-08-19 Bank Of America Corporation Systems, methods and computer program products for standardization of payment requests to facilitate comprehensive payment hub processing

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040019560A1 (en) * 1999-03-12 2004-01-29 Evans Scott L. System and method for debt presentment and resolution
US8903737B2 (en) * 2000-04-25 2014-12-02 Accenture Global Service Limited Method and system for a wireless universal mobile product interface
JP2009116894A (ja) * 2001-08-09 2009-05-28 Paybyclick Corp 電子商取引システム及び方法
US20050021462A1 (en) * 2003-07-21 2005-01-27 Don Teague Method and system to process a billing failure in a network-based commerce facility
EP2156397B1 (fr) * 2007-05-17 2019-06-26 Shift4 Corporation Transactions par carte de paiement sécurisées

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20100211422A1 (en) * 2009-02-13 2010-08-19 Bank Of America Corporation Systems, methods and computer program products for standardization of payment requests to facilitate comprehensive payment hub processing

Also Published As

Publication number Publication date
WO2014193519A1 (fr) 2014-12-04
EP3005260A1 (fr) 2016-04-13

Similar Documents

Publication Publication Date Title
EP2973285A4 (fr) Systèmes et procédés de transactions sécurisées
EP3081042A4 (fr) Systèmes et procédés pour une opération à connectivité multiple
EP3081035A4 (fr) Systèmes et procédés pour un fonctionnement à connectivités multiples
EP3050370A4 (fr) Systèmes et procédés pour un fonctionnement multiconnecté
EP3084701A4 (fr) Procédés et systèmes de transactions en nuage
EP3033716A4 (fr) Systèmes et procédés de gestion d'informations
EP3198538A4 (fr) Systèmes et procédés de paiement permettant de gérer l'utilisation d'une carte de paiement
EP3053151A4 (fr) Système de commerce
EP2981931A4 (fr) Systèmes et procédés de gestion de notes
EP3055819A4 (fr) Systèmes et procédés de paiement par l'intermédiaire d'un courtier
HK1211726A1 (en) Systems, methods and devices for transacting
EP2981932A4 (fr) Systèmes et procédés de reconnaissance de notes
EP3078199A4 (fr) Systèmes et procédés à temps non déterministe
GB201317311D0 (en) Account association systems and methods
GB201316673D0 (en) Account association systems and methods
EP3014558A4 (fr) Système de paiement accéléré pour des projets de construction
HK1223528A1 (zh) 插入部位決策支持系統和方法
SG11201602323UA (en) Transaction system
EP3083264A4 (fr) Cartes de transaction et procédés associés
EP3052522A4 (fr) Systèmes d'anticorps anti-sox10 et procédés associés
EP3025296A4 (fr) Systèmes et procédés pour recommander des commerçants
EP3051976A4 (fr) Systèmes et procédés de conditionnement
EP3042500A4 (fr) Systèmes et procédés d'identification de fichier sur la base de métadonnées
EP3031027A4 (fr) Systèmes et procédés pour annonces publicitaires
HK1224466A1 (zh) 用於產生客戶解決方案的系統及方法

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: 20160104

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

AX Request for extension of the european patent

Extension state: BA ME

RIN1 Information on inventor provided before grant (corrected)

Inventor name: MALAMUD, MARK A.

Inventor name: HYDE, RODERICK A.

Inventor name: LEVIEN, ROYCE A.

Inventor name: HOLMAN, PABLOS

Inventor name: LORD, ROBERT W.

DAX Request for extension of the european patent (deleted)
A4 Supplementary search report drawn up and despatched

Effective date: 20170210

RIC1 Information provided on ipc code assigned before grant

Ipc: G06Q 20/34 20120101ALI20170206BHEP

Ipc: G06Q 20/40 20120101ALI20170206BHEP

Ipc: G06Q 20/12 20120101AFI20170206BHEP

Ipc: G06Q 20/20 20120101ALI20170206BHEP

Ipc: G06Q 20/08 20120101ALI20170206BHEP

Ipc: G06Q 20/32 20120101ALI20170206BHEP

Ipc: G06Q 20/10 20120101ALI20170206BHEP

STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: EXAMINATION IS IN PROGRESS

17Q First examination report despatched

Effective date: 20180723

REG Reference to a national code

Ref country code: DE

Ref legal event code: R003

STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: THE APPLICATION HAS BEEN REFUSED

18R Application refused

Effective date: 20190726