FI20116274A - payment - Google Patents

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Publication number
FI20116274A
FI20116274A FI20116274A FI20116274A FI20116274A FI 20116274 A FI20116274 A FI 20116274A FI 20116274 A FI20116274 A FI 20116274A FI 20116274 A FI20116274 A FI 20116274A FI 20116274 A FI20116274 A FI 20116274A
Authority
FI
Finland
Prior art keywords
payment
Prior art date
Application number
FI20116274A
Other languages
Finnish (fi)
Swedish (sv)
Other versions
FI125071B (en
Inventor
Simo Salminen
Tuomo Kajava
Original Assignee
Onsun Oy
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 to FI20115945A priority Critical patent/FI20115945A0/en
Priority to FI20115945 priority
Application filed by Onsun Oy filed Critical Onsun Oy
Priority to FI20116274 priority
Priority to FI20116274A priority patent/FI125071B/en
Publication of FI20116274A publication Critical patent/FI20116274A/en
Application granted granted Critical
Publication of FI125071B publication Critical patent/FI125071B/en

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/16Payments settled via telecommunication systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/204Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/206Point-of-sale [POS] network systems comprising security or user identification provision, e.g. password entry
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/354Card activation or deactivation
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825Use of electronic signatures
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3827Use of message hashing
FI20116274A 2011-09-28 2011-12-15 Payment System FI125071B (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
FI20115945A FI20115945A0 (en) 2011-09-28 2011-09-28 payment
FI20115945 2011-09-28
FI20116274 2011-12-15
FI20116274A FI125071B (en) 2011-09-28 2011-12-15 Payment System

Applications Claiming Priority (7)

Application Number Priority Date Filing Date Title
FI20116274A FI125071B (en) 2011-09-28 2011-12-15 Payment System
DK12834914T DK2761553T3 (en) 2011-09-28 2012-09-28 payment
EP12834914.9A EP2761553B1 (en) 2011-09-28 2012-09-28 Payment system
PCT/FI2012/000038 WO2013045743A2 (en) 2011-09-28 2012-09-28 Payment system
US14/347,805 US9953319B2 (en) 2011-09-28 2012-09-28 Payment system
EP19193529.5A EP3591600A1 (en) 2011-09-28 2012-09-28 Payment system
US15/958,462 US20180247309A1 (en) 2011-09-28 2018-04-20 Payment system

Publications (2)

Publication Number Publication Date
FI20116274A true FI20116274A (en) 2013-03-29
FI125071B FI125071B (en) 2015-05-29

Family

ID=44718850

Family Applications (3)

Application Number Title Priority Date Filing Date
FI20115945A FI20115945A0 (en) 2011-09-28 2011-09-28 payment
FI20116274A FI125071B (en) 2011-09-28 2011-12-15 Payment System
FI20155310A FI20155310A (en) 2011-09-28 2012-09-28 Payment system

Family Applications Before (1)

Application Number Title Priority Date Filing Date
FI20115945A FI20115945A0 (en) 2011-09-28 2011-09-28 payment

Family Applications After (1)

Application Number Title Priority Date Filing Date
FI20155310A FI20155310A (en) 2011-09-28 2012-09-28 Payment system

Country Status (5)

Country Link
US (2) US9953319B2 (en)
EP (2) EP2761553B1 (en)
DK (1) DK2761553T3 (en)
FI (3) FI20115945A0 (en)
WO (1) WO2013045743A2 (en)

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FI20115945A0 (en) 2011-09-28 2011-09-28 Onsun Oy payment
WO2014094857A1 (en) * 2012-12-20 2014-06-26 Telefonaktiebolaget L M Ericsson (Publ) Technique for enabling a client to provide a server entity
CN104182870B (en) * 2013-05-24 2017-12-15 中国银联股份有限公司 A kind of safe payment method and payment system based on mobile phone wallet
EP2849403A1 (en) * 2013-09-13 2015-03-18 Alcatel Lucent Method and system for controlling the exchange of privacy-sensitive information
US9276910B2 (en) * 2013-11-19 2016-03-01 Wayne Fueling Systems Llc Systems and methods for convenient and secure mobile transactions
US10027722B2 (en) * 2014-01-09 2018-07-17 International Business Machines Corporation Communication transaction continuity using multiple cross-modal services
WO2015157690A1 (en) 2014-04-11 2015-10-15 Rubicon Labs, Inc. System and method for sharing data securely
US9626679B2 (en) * 2014-05-30 2017-04-18 Square, Inc. Automated fraud detection for point-of-sale devices
US10068239B2 (en) * 2014-07-31 2018-09-04 Mastercard International Incorporated Systems and methods for determining enhanced merchant identification
US9775029B2 (en) 2014-08-22 2017-09-26 Visa International Service Association Embedding cloud-based functionalities in a communication device
US9704160B2 (en) * 2014-09-22 2017-07-11 Mastercard International Incorporated Trusted execution environment for transport layer security key pair associated with electronic commerce and card not present transactions
EP3040922A1 (en) * 2014-12-30 2016-07-06 Telefonica Digital España, S.L.U. Method and system for providing authentication, integrity and confidentiality for transactions performed by mobile device users
US10187363B2 (en) 2014-12-31 2019-01-22 Visa International Service Association Hybrid integration of software development kit with secure execution environment
US10178087B2 (en) * 2015-02-27 2019-01-08 Samsung Electronics Co., Ltd. Trusted pin management
US10009324B2 (en) * 2015-06-29 2018-06-26 American Express Travel Related Services Company, Inc. Host card emulation systems and methods
US10248947B2 (en) * 2015-06-29 2019-04-02 Oberthur Technologies of America Corp. Method of generating a bank transaction request for a mobile terminal having a secure module
CN105245339B (en) * 2015-09-01 2018-09-11 青岛丰华时代信息技术有限公司 A method of signature and encrypted transmission are traded by financial IC card
WO2017044677A1 (en) * 2015-09-11 2017-03-16 Alibaba Group Holding Limited Method and apparatus for facilitating electronic payments using a wearable device
CN110502887A (en) * 2015-09-11 2019-11-26 阿里巴巴集团控股有限公司 Electric paying method and device
US10009179B2 (en) 2015-11-30 2018-06-26 Microsoft Technology Licensing, Llc Trusted platform module (TPM) protected device
WO2019190468A1 (en) * 2018-03-27 2019-10-03 Visa International Service Association System and method for authorizing and provisioning a token to an appliance

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EP0936530A1 (en) * 1998-02-16 1999-08-18 Siemens Nixdorf Informationssysteme AG Virtual smart card
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US6327578B1 (en) * 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
EP1277180A2 (en) * 2000-04-24 2003-01-22 Visa International Service Association Online payer authentication service
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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
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Also Published As

Publication number Publication date
WO2013045743A2 (en) 2013-04-04
US20140236842A1 (en) 2014-08-21
FI20115945A0 (en) 2011-09-28
DK2761553T3 (en) 2019-12-09
FI20115945D0 (en)
US20180247309A1 (en) 2018-08-30
FI20155310A (en) 2015-04-27
EP2761553A2 (en) 2014-08-06
EP2761553B1 (en) 2019-08-28
FI125071B (en) 2015-05-29
EP2761553A4 (en) 2015-06-03
US9953319B2 (en) 2018-04-24
EP3591600A1 (en) 2020-01-08
WO2013045743A3 (en) 2013-06-13

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