EP3338230A4 - Zahlungsvorrichtungen mit mehreren modi zur durchführung von finanztransaktionen - Google Patents
Zahlungsvorrichtungen mit mehreren modi zur durchführung von finanztransaktionen Download PDFInfo
- Publication number
- EP3338230A4 EP3338230A4 EP16837748.9A EP16837748A EP3338230A4 EP 3338230 A4 EP3338230 A4 EP 3338230A4 EP 16837748 A EP16837748 A EP 16837748A EP 3338230 A4 EP3338230 A4 EP 3338230A4
- Authority
- EP
- European Patent Office
- Prior art keywords
- financial transactions
- multiple modes
- payment devices
- conducting financial
- conducting
- 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
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
- G06Q20/34—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
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3572—Multiple accounts on card
-
- 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
- G06Q20/3278—RFID or NFC 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
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- 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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- 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
- G06Q20/401—Transaction verification
- G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0806—Details of the card
- G07F7/0833—Card having specific functional components
- G07F7/084—Additional components relating to data transfer and storing, e.g. error detection, self-diagnosis
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US201562282991P | 2015-08-17 | 2015-08-17 | |
PCT/US2016/047329 WO2017031198A1 (en) | 2015-08-17 | 2016-08-17 | Payment devices having multiple modes of conducting financial transactions |
Publications (2)
Publication Number | Publication Date |
---|---|
EP3338230A1 EP3338230A1 (de) | 2018-06-27 |
EP3338230A4 true EP3338230A4 (de) | 2019-04-17 |
Family
ID=62164626
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP16837748.9A Ceased EP3338230A4 (de) | 2015-08-17 | 2016-08-17 | Zahlungsvorrichtungen mit mehreren modi zur durchführung von finanztransaktionen |
Country Status (2)
Country | Link |
---|---|
EP (1) | EP3338230A4 (de) |
CN (1) | CN108475374B (de) |
Families Citing this family (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN109767210B (zh) * | 2018-12-28 | 2020-08-04 | 深圳市讯联智付网络有限公司 | 防止eSe芯片生命周期被意外终止的系统及方法 |
US20220300318A1 (en) * | 2021-03-17 | 2022-09-22 | Bank Of America Corporation | Electronic system for authorization and use of cross-linked resource instruments |
Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US4443027A (en) * | 1981-07-29 | 1984-04-17 | Mcneely Maurice G | Multiple company credit card system |
WO2011005848A2 (en) * | 2009-07-07 | 2011-01-13 | Chenot Richard H | Systems and methods for per-transaction financial card enabled personal financial management |
US20140006277A1 (en) * | 2011-09-29 | 2014-01-02 | Raj Rao | System and method for providing smart electronic wallet and reconfigurable transaction card thereof |
Family Cites Families (9)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DE3906349A1 (de) * | 1989-03-01 | 1990-09-13 | Hartmut Hennige | Verfahren und vorrichtung zur vereinfachung des gebrauchs einer vielzahl von kreditkarten u. dgl. |
US6631849B2 (en) * | 2000-12-06 | 2003-10-14 | Bank One, Delaware, National Association | Selectable multi-purpose card |
US7860789B2 (en) * | 2001-07-24 | 2010-12-28 | Jpmorgan Chase Bank, N.A. | Multiple account advanced payment card and method of routing card transactions |
US8412623B2 (en) * | 2002-07-15 | 2013-04-02 | Citicorp Credit Services, Inc. | Method and system for a multi-purpose transactional platform |
US20080017720A1 (en) * | 2006-07-06 | 2008-01-24 | Kranzley Arthur D | Multi-use payment card and methods of using same |
US20090187507A1 (en) * | 2006-12-20 | 2009-07-23 | Brown Kerry D | Secure financial transaction network |
GB2466810A (en) * | 2009-01-08 | 2010-07-14 | Visa Europe Ltd | Processing payment authorisation requests |
US8261977B2 (en) * | 2009-03-27 | 2012-09-11 | Mastercard International Incorporated | Methods and systems for using an interface and protocol extensions to perform a financial transaction |
US9292870B2 (en) * | 2010-12-13 | 2016-03-22 | Qualcomm Incorporated | System and method for point of service payment acceptance via wireless communication |
-
2016
- 2016-08-17 CN CN201680060587.2A patent/CN108475374B/zh active Active
- 2016-08-17 EP EP16837748.9A patent/EP3338230A4/de not_active Ceased
Patent Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US4443027A (en) * | 1981-07-29 | 1984-04-17 | Mcneely Maurice G | Multiple company credit card system |
WO2011005848A2 (en) * | 2009-07-07 | 2011-01-13 | Chenot Richard H | Systems and methods for per-transaction financial card enabled personal financial management |
US20140006277A1 (en) * | 2011-09-29 | 2014-01-02 | Raj Rao | System and method for providing smart electronic wallet and reconfigurable transaction card thereof |
Non-Patent Citations (1)
Title |
---|
See also references of WO2017031198A1 * |
Also Published As
Publication number | Publication date |
---|---|
CN108475374B (zh) | 2022-04-19 |
CN108475374A (zh) | 2018-08-31 |
EP3338230A1 (de) | 2018-06-27 |
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A4 | Supplementary search report drawn up and despatched |
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RIC1 | Information provided on ipc code assigned before grant |
Ipc: G07F 7/08 20060101ALI20190312BHEP Ipc: G06Q 20/40 20120101ALI20190312BHEP Ipc: G06Q 20/42 20120101ALI20190312BHEP Ipc: G06Q 20/22 20120101ALI20190312BHEP Ipc: G06Q 20/08 20120101AFI20190312BHEP Ipc: G06Q 40/00 20120101ALI20190312BHEP Ipc: G06Q 20/20 20120101ALI20190312BHEP Ipc: G06Q 20/34 20120101ALI20190312BHEP |
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