JP2020529089A - 支払処理 - Google Patents
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- JP2020529089A JP2020529089A JP2020522273A JP2020522273A JP2020529089A JP 2020529089 A JP2020529089 A JP 2020529089A JP 2020522273 A JP2020522273 A JP 2020522273A JP 2020522273 A JP2020522273 A JP 2020522273A JP 2020529089 A JP2020529089 A JP 2020529089A
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- 238000000034 method Methods 0.000 claims abstract description 94
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Classifications
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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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
-
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- 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
- G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
-
- 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
-
- 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
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- 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
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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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
- G06Q20/327—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
- G06Q20/352—Contactless payments by cards
-
- 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
- G06Q20/354—Card activation or deactivation
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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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3672—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes initialising or reloading thereof
-
- 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
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
-
- 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
- G06Q20/409—Device specific authentication in transaction processing
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/68—Payment of value-added services
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/93—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP using near field or similar technologies
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/24—Accounting or billing
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W48/00—Access restriction; Network selection; Access point selection
- H04W48/16—Discovering, processing access restriction or access information
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W84/00—Network topologies
- H04W84/02—Hierarchically pre-organised networks, e.g. paging networks, cellular networks, WLAN [Wireless Local Area Network] or WLL [Wireless Local Loop]
- H04W84/10—Small scale networks; Flat hierarchical networks
- H04W84/16—WPBX [Wireless Private Branch Exchange]
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W84/00—Network topologies
- H04W84/18—Self-organising networks, e.g. ad-hoc networks or sensor networks
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W88/00—Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
- H04W88/02—Terminal devices
- H04W88/06—Terminal devices adapted for operation in multiple networks or having at least two operational modes, e.g. multi-mode terminals
Abstract
Description
Claims (14)
- 支払端末を操作する方法であって、
アクティブ化入力を受信する工程と、
前記アクティブ化入力に応答して、第1のタイプの外部支払デバイスと通信するための第1の無線信号および第2のタイプの外部支払デバイスと通信するための第2の無線信号を出力する工程であって、
前記第1の無線信号および前記第2の無線信号は、互いに異なる第1のプロトコルおよび第2のプロトコルにそれぞれ対応するフォーマットにされている、前記出力する工程と、
前記第1の無線信号および前記第2の無線信号の一方に対する返信を受信する工程と、
前記返信に応答して、前記第1の無線信号および前記第2の無線信号の他方の出力を終了する工程と、を含むことを特徴とする方法。 - 前記外部支払デバイスを認証するために前記返信を処理し、これにより、通信チャンネルを確立する工程をさらに含む請求項1に記載の方法。
- 前記外部支払デバイスを認証するために前記返信を処理する工程をさらに含み、
前記処理する工程の後に、前記終了する工程が実行される請求項1に記載の方法。 - 前記第1の無線信号および前記第2の無線信号は、NFC信号およびブルートゥース信号を含む請求項1に記載の方法。
- 前記外部支払デバイスを認証するために前記返信を処理し、これにより、通信チャンネルを確立する工程と、
前記通信チャンネルから、ユーザーを示すデータを受信する工程と、
入力として、取引額を示すデータを受信する工程と、
前記ユーザーを示す前記データおよび前記取引額を示す前記データを、サーバーに送信する工程と、をさらに含む請求項1に記載の方法。 - 前記外部支払デバイスを認証するために前記返信を処理し、これにより、通信チャンネルを確立する工程と、
前記通信チャンネルから、ユーザーを示すデータおよび現在の取引を特定するためのワンタイム検証子を受信する工程と、
入力として、取引額を示すデータを受信する工程と、
前記ユーザーを示す前記データ、前記ワンタイム検証子を示すデータ、および取引額を示すデータを、サーバーに送信する工程と、をさらに含む請求項1に記載の方法。 - 前記通信チャンネルを介して、新たなワンタイム検証子を出力する工程をさらに含む請求項6に記載の方法。
- 応答された前記第1の無線信号および前記第2の無線信号のいずれかを示す情報をサーバーに通信する工程をさらに含む請求項1に記載の方法。
- 処理デバイスおよび命令を保持している記憶手段を有し、外部デバイスと無線通信するための支払端末であって、
前記命令は、前記処理デバイスを制御し、前記支払端末に、
アクティブ化入力に応答して、第1のタイプの外部支払デバイスと通信するための第1の無線信号および第2のタイプの外部支払デバイスと通信するための第2の無線信号を出力させ、
前記第1の無線信号および前記第2の無線信号の一方に対する返信の受信に応答して、前記第1の無線信号および前記第2の無線信号の他方の出力を終了させ、
前記第1の無線信号および前記第2の無線信号は、互いに異なる第1のプロトコルおよび第2のプロトコルにそれぞれ対応するフォーマットにされていることを特徴とする支払端末。 - 前記アクティブ化入力を提供するためのキーパッドと、前記処理デバイスの制御下において情報を表示するディスプレイと、サーバーと通信するための出力デバイスと、をさらに有する請求項9に記載の支払端末。
- 前記第1の無線信号を出力するよう構成された第1の無線デバイスと、前記第2の無線信号を出力するよう構成された第2の無線デバイスと、をさらに有し、
前記第1の無線デバイスおよび前記第2の無線デバイスの双方は、前記処理デバイスの制御下にある請求項9に記載の支払端末。 - セキュリティ鍵用の記憶手段を含むセキュリティデバイスをさらに有し、
前記セキュリティデバイスは、前記支払端末による使用のために、前記セキュリティ鍵を用いて、データを暗号化または復号化するよう構成されている請求項9に記載の支払端末。 - 前記第1の無線信号を出力するよう構成されたパーソナルエリアネットワークデバイスを有している請求項9に記載の支払端末。
- 前記第2の無線信号を出力するよう構成された近距離通信デバイスを有している請求項9に記載の支払端末。
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
IN201741023345 | 2017-07-03 | ||
IN201741023345 | 2017-07-03 | ||
PCT/SG2018/050321 WO2019009803A1 (en) | 2017-07-03 | 2018-07-02 | PAYMENT PROCESSING |
Publications (2)
Publication Number | Publication Date |
---|---|
JP2020529089A true JP2020529089A (ja) | 2020-10-01 |
JP2020529089A5 JP2020529089A5 (ja) | 2021-08-12 |
Family
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Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
JP2020522273A Pending JP2020529089A (ja) | 2017-07-03 | 2018-07-02 | 支払処理 |
Country Status (10)
Country | Link |
---|---|
US (1) | US20200160332A1 (ja) |
EP (1) | EP3649596A4 (ja) |
JP (1) | JP2020529089A (ja) |
KR (1) | KR20200024903A (ja) |
CN (1) | CN110869959A (ja) |
AU (1) | AU2018297067A1 (ja) |
MY (1) | MY194538A (ja) |
PH (1) | PH12019502876A1 (ja) |
SG (1) | SG11201913442PA (ja) |
WO (1) | WO2019009803A1 (ja) |
Families Citing this family (1)
Publication number | Priority date | Publication date | Assignee | Title |
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CN115604787A (zh) * | 2021-07-09 | 2023-01-13 | 博通集成电路(上海)股份有限公司(Cn) | 通过手机将无线设备自动连接到网络的方法和系统 |
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2018
- 2018-07-02 MY MYPI2019007561A patent/MY194538A/en unknown
- 2018-07-02 KR KR1020207003208A patent/KR20200024903A/ko not_active Application Discontinuation
- 2018-07-02 WO PCT/SG2018/050321 patent/WO2019009803A1/en active Search and Examination
- 2018-07-02 JP JP2020522273A patent/JP2020529089A/ja active Pending
- 2018-07-02 EP EP18828898.9A patent/EP3649596A4/en not_active Withdrawn
- 2018-07-02 SG SG11201913442PA patent/SG11201913442PA/en unknown
- 2018-07-02 US US16/627,891 patent/US20200160332A1/en active Pending
- 2018-07-02 CN CN201880044621.6A patent/CN110869959A/zh active Pending
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Patent Citations (2)
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JP2012235447A (ja) * | 2011-04-28 | 2012-11-29 | Intel Corp | 無線でコンテントを提供する装置、システム、および方法 |
US20160132865A1 (en) * | 2014-11-08 | 2016-05-12 | Samsung Electronics Co., Ltd. | Electronic device including a plurality of payment modules |
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MY194538A (en) | 2022-11-30 |
CN110869959A (zh) | 2020-03-06 |
EP3649596A4 (en) | 2020-12-09 |
EP3649596A1 (en) | 2020-05-13 |
PH12019502876A1 (en) | 2020-12-07 |
AU2018297067A1 (en) | 2020-02-20 |
SG11201913442PA (en) | 2020-01-30 |
KR20200024903A (ko) | 2020-03-09 |
US20200160332A1 (en) | 2020-05-21 |
WO2019009803A1 (en) | 2019-01-10 |
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