JP2014522067A - 組み込みチップを備える支払い機器 - Google Patents
組み込みチップを備える支払い機器 Download PDFInfo
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- 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
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- 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
- G06Q20/326—Payment applications installed on the mobile devices
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- 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
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- 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
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Abstract
Description
本出願は、2011年8月8日に出願された米国仮出願第61/521, 233号の正規出願であり、この仮出願の出願日の利益を主張する。 この仮出願の全開示内容は全目的に関して、参照により本明細書に包含される。
Claims (21)
- 取引を実施する為に使用する携帯可能消費者機器から追加データを受信する段階から成り、前記追加データは暗号化され且つ前記取引と関係し、更に
前記暗号化された追加データを含む認可要求メッセージをアクセス機器により生成する段階と、
前記暗号化された追加データを含む前記認可要求メッセージをサーバコンピュータに送信する段階と、
前記サーバコンピュータから認可応答メッセージを受信する段階から成る、方法。 - 前記追加データの提示に対するプロンプトを前記アクセス機器により生成する段階を更に含む、請求項1記載の方法。
- 前記携帯可能消費者機器は前記追加データの提示に対するプロンプトを表示する、請求項1記載の方法。
- 前記携帯可能消費者機器は前記追加データを暗号化して、前記暗号化された追加データを前記アクセス機器に送信する、請求項3記載の方法。
- 前記追加データは前記取引と関係する格付けを含む、請求項1記載の方法。
- 前記追加データは利用者の取引プロフィールデータ、地理的な所在地、画像、又は認証メッセージを含む、請求項1記載の方法。
- プロセッサと、非一時的なコンピュータ読み取り可能な記録媒体を備えるアクセス機器であって、前記非一時的なコンピュータ読み取り可能な記録媒体は、一方法を実装する為に前記プロセッサで実行可能であるコードを含み、
前記一方法は、
取引を実施する為に使用する携帯可能消費者機器から追加データを受信する段階から成り、前記追加データは暗号化され且つ前記取引と関係し、更に
前記暗号化された追加データを含む認可要求メッセージを生成する段階と、
前記暗号化された追加データを含む前記認可要求メッセージをサーバコンピュータに送信する段階と、
前記サーバコンピュータから認可応答メッセージを受信する段階から成る、アクセス機器。 - 前記一方法は前記追加データの提示に対するプロンプトを生成する段階を更に含む、請求項7記載のアクセス機器。
- 前記追加データは前記取引と関係する格付けである、請求項8記載のアクセス機器。
- 暗号化された追加データを含む認可要求メッセージを、商業者により操作されるアクセス機器から取引の為に受信する段階と、
前記取引と関係する前記暗号化された追加データをサーバコンピュータにより復号化する段階と、
前記取引と関係する前記復号化された追加データをデータベースに格納する段階と、
前記商業者が前記復号化された追加データを受信する資格を有するか否かを決定する段階と、
前記アクセス機器に認可応答メッセージを送信する段階から成る、方法。 - 前記認可要求メッセージから前記暗号化された追加データを分離し、第二の認可要求メッセージを生成する段階と、
前記第二の認可要求メッセージを発行者に送信する段階と、
前記認可応答メッセージを前記発行者から受信する段階から成る、請求項10記載の方法。 - 前記認可応答メッセージは前記追加データを含む、請求項10記載の方法。
- 前記商業者が前記復号化された追加データを受信する資格を有する場合に、前記取引と関係する前記復号化された追加データを前記アクセス機器に送信する段階を更に含む、請求項10記載の方法。
- 前記追加データは前記取引と関係する格付けである、請求項10記載の方法。
- 前記追加データは利用者の取引プロフィールデータ、地理的な所在地、画像、又は前記取引と関係する認証メッセージである、請求項10記載の方法。
- プロセッサと、非一時的なコンピュータ読み取り可能な記録媒体を備えるサーバコンピュータであって、前記非一時的なコンピュータ読み取り可能な記録媒体は、一方法を実装する為に前記プロセッサで実行可能であるコードを含み、
前記一方法は、
暗号化された追加データを含む認可要求メッセージを、商業者により操作されるアクセス機器から取引の為に受信する段階と、
前記取引と関係する前記暗号化された追加データを復号化する段階と、
前記取引と関係する前記復号化された追加データをデータベースに格納する段階と、
前記商業者が前記復号化された追加データを受信する資格を有するか否かを決定する段階と、
前記アクセス機器に認可応答メッセージを送信する段階から成る、サーバコンピュータ。 - 追加データの提示に対するプロンプトを移動通信機器により生成する段階から成り、前記プロンプトはアクセス機器を用いて実施される取引と関係し、更に
前記移動通信機器において前記追加データを受信する段階と、
前記追加データをサーバコンピュータに送信する段階から成る、方法。 - 前記追加データは格付けを含み、前記格付けは批評ウェブサイト上で提供される、請求項17記載の方法。
- 前記移動通信機器は短距離通信プロトコルを用いて前記アクセス機器と相互作用し、暗号化された前記追加データは長距離通信プロトコルを用いて前記サーバコンピュータに送信され、前記生成されたプロンプトは前記取引中の前記アクセス機器との相互作用に対する応答である、請求項17記載の方法。
- プロセッサと、非一時的なコンピュータ読み取り可能な記録媒体を備える移動通信機器であって、前記非一時的なコンピュータ読み取り可能な記録媒体は、一方法を実装する為に前記プロセッサで実行可能であるコードを含み、
前記一方法は、
追加データの提示に対するプロンプトを生成する段階から成り、前記プロンプトは取引中のアクセス機器との相互作用と関係し、更に
前記追加データを受信する段階と、
前記追加データをサーバコンピュータに送信する段階から成る、移動通信機器。 - 前記プロンプトは前記移動通信機器と前記アクセス機器間の相互作用に対する応答である、請求項20記載の移動通信機器。
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US201161521233P | 2011-08-08 | 2011-08-08 | |
US61/521,233 | 2011-08-08 | ||
PCT/US2012/050020 WO2013022988A2 (en) | 2011-08-08 | 2012-08-08 | Payment device with integrated chip |
Publications (2)
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JP2014522067A true JP2014522067A (ja) | 2014-08-28 |
JP6178790B2 JP6178790B2 (ja) | 2017-08-09 |
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JP2014525124A Active JP6178790B2 (ja) | 2011-08-08 | 2012-08-08 | 組み込みチップを備える支払い機器 |
Country Status (9)
Country | Link |
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US (2) | US9373111B2 (ja) |
EP (1) | EP2742475A4 (ja) |
JP (1) | JP6178790B2 (ja) |
KR (1) | KR102092238B1 (ja) |
CN (1) | CN103858141B (ja) |
AU (3) | AU2012294451B2 (ja) |
CA (1) | CA2844280A1 (ja) |
HK (1) | HK1199131A1 (ja) |
WO (2) | WO2013022994A2 (ja) |
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- 2012-08-08 AU AU2012294451A patent/AU2012294451B2/en active Active
- 2012-08-08 CN CN201280049457.0A patent/CN103858141B/zh active Active
- 2012-08-08 JP JP2014525124A patent/JP6178790B2/ja active Active
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HK1199131A1 (en) | 2015-06-19 |
WO2013022988A3 (en) | 2013-04-25 |
WO2013022988A2 (en) | 2013-02-14 |
EP2742475A4 (en) | 2015-01-07 |
AU2018278918A1 (en) | 2019-01-03 |
CN103858141A (zh) | 2014-06-11 |
US20130041822A1 (en) | 2013-02-14 |
AU2012294451A1 (en) | 2014-02-27 |
US9373111B2 (en) | 2016-06-21 |
KR102092238B1 (ko) | 2020-03-24 |
AU2017200988A1 (en) | 2017-03-02 |
EP2742475A2 (en) | 2014-06-18 |
US20130041823A1 (en) | 2013-02-14 |
WO2013022994A3 (en) | 2013-04-04 |
WO2013022994A2 (en) | 2013-02-14 |
CA2844280A1 (en) | 2013-02-14 |
CN103858141B (zh) | 2018-03-30 |
JP6178790B2 (ja) | 2017-08-09 |
KR20140054213A (ko) | 2014-05-08 |
AU2017200988B2 (en) | 2018-09-13 |
AU2012294451B2 (en) | 2017-08-24 |
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