EP3338230A4 - Payment devices having multiple modes of conducting financial transactions - Google Patents

Payment devices having multiple modes of conducting financial transactions Download PDF

Info

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
Application number
EP16837748.9A
Other languages
German (de)
French (fr)
Other versions
EP3338230A1 (en
Inventor
Miller Thomas Abel
Kenneth Mages
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.)
Verrency Holdings Ltd
Original Assignee
Verrency Holdings Ltd
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 Verrency Holdings Ltd filed Critical Verrency Holdings Ltd
Priority claimed from PCT/US2016/047329 external-priority patent/WO2017031198A1/en
Publication of EP3338230A1 publication Critical patent/EP3338230A1/en
Publication of EP3338230A4 publication Critical patent/EP3338230A4/en
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
    • G06Q20/34—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

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
EP16837748.9A 2015-08-17 2016-08-17 Payment devices having multiple modes of conducting financial transactions Ceased EP3338230A4 (en)

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 (en) 2018-06-27
EP3338230A4 true EP3338230A4 (en) 2019-04-17

Family

ID=62164626

Family Applications (1)

Application Number Title Priority Date Filing Date
EP16837748.9A Ceased EP3338230A4 (en) 2015-08-17 2016-08-17 Payment devices having multiple modes of conducting financial transactions

Country Status (2)

Country Link
EP (1) EP3338230A4 (en)
CN (1) CN108475374B (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109767210B (en) * 2018-12-28 2020-08-04 深圳市讯联智付网络有限公司 System and method for preventing eSe chip life cycle from being terminated accidentally
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)

* Cited by examiner, † Cited by third party
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)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE3906349A1 (en) * 1989-03-01 1990-09-13 Hartmut Hennige METHOD AND DEVICE FOR SIMPLIFYING THE USE OF A VARIETY OF CREDIT CARDS AND THE LIKE
US6631849B2 (en) * 2000-12-06 2003-10-14 Bank One, Delaware, National Association Selectable multi-purpose card
AU2002327322A1 (en) * 2001-07-24 2003-02-17 First Usa Bank, N.A. Multiple account card and transaction routing
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
US20090164381A1 (en) * 2006-12-20 2009-06-25 Brown Kerry D Method of making secure payment cards
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

Patent Citations (3)

* Cited by examiner, † Cited by third party
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)

* Cited by examiner, † Cited by third party
Title
See also references of WO2017031198A1 *

Also Published As

Publication number Publication date
EP3338230A1 (en) 2018-06-27
CN108475374A (en) 2018-08-31
CN108475374B (en) 2022-04-19

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