IN2014MN01590A - - Google Patents

Info

Publication number
IN2014MN01590A
IN2014MN01590A IN1590MUN2014A IN2014MN01590A IN 2014MN01590 A IN2014MN01590 A IN 2014MN01590A IN 1590MUN2014 A IN1590MUN2014 A IN 1590MUN2014A IN 2014MN01590 A IN2014MN01590 A IN 2014MN01590A
Authority
IN
India
Prior art keywords
pcd
pos
consumer
merchant
transaction
Prior art date
Application number
Inventor
Jon Azen
Jose Menendez
Eric Kraar
Greg Rose
Original Assignee
Qualcomm Inc
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 Qualcomm Inc filed Critical Qualcomm Inc
Publication of IN2014MN01590A publication Critical patent/IN2014MN01590A/en

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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
    • 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
    • G06Q20/327—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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

Disclosed is a system and method that provides a merchant associated with a point of sale (POS) system and a consumer associated with a portable computing device (PCD) to complete a purchase transaction without transmitting or presenting confidential payment credentials. In an exemplary embodiment sound is used to transmit data between the POS and the PCD. A payment request is rendered on the PCD. The consumer reviews and authorizes via a unique cryptographic signature. The merchant approves via addition of its unique cryptographic signature. A remote service in communication with the POS verifies the signatures via previously registered public keys. The transaction is then settled to a consumer account. Confirmation is returned to the POS and PCD. Advantageously the transaction is commenced and completed without the PCD being online. Further the consumer payment credentials are not stored on the PCD or transmitted from the PCD to the merchant POS system.
IN1590MUN2014 2012-01-12 2012-12-13 IN2014MN01590A (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US201261585714P 2012-01-12 2012-01-12
US13/363,592 US20130185214A1 (en) 2012-01-12 2012-02-01 System and Method For Secure Offline Payment Transactions Using A Portable Computing Device
PCT/US2012/069420 WO2013106159A1 (en) 2012-01-12 2012-12-13 System and method for secure offline payment transactions using a portable computing device

Publications (1)

Publication Number Publication Date
IN2014MN01590A true IN2014MN01590A (en) 2015-05-08

Family

ID=48780680

Family Applications (1)

Application Number Title Priority Date Filing Date
IN1590MUN2014 IN2014MN01590A (en) 2012-01-12 2012-12-13

Country Status (7)

Country Link
US (1) US20130185214A1 (en)
EP (1) EP2803023A1 (en)
JP (1) JP2015508541A (en)
KR (1) KR20140111033A (en)
CN (1) CN104169954A (en)
IN (1) IN2014MN01590A (en)
WO (1) WO2013106159A1 (en)

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Also Published As

Publication number Publication date
EP2803023A1 (en) 2014-11-19
CN104169954A (en) 2014-11-26
KR20140111033A (en) 2014-09-17
US20130185214A1 (en) 2013-07-18
WO2013106159A1 (en) 2013-07-18
JP2015508541A (en) 2015-03-19

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