JP5021747B2 - 携帯装置において複数の取引オプションを提示するシステム及び方法 - Google Patents
携帯装置において複数の取引オプションを提示するシステム及び方法 Download PDFInfo
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- 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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- 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
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- 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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-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
- G06Q20/32—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
- G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
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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
- G06Q20/3265—Payment applications installed on the mobile devices characterised by personalisation for use
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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
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3572—Multiple accounts on card
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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
- G06Q20/405—Establishing or using transaction specific rules
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- Computer Networks & Wireless Communication (AREA)
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Description
Claims (6)
- 自装置に関連づけられた口座から取引を行うための携帯装置であって、
受信エンティティの取引システムと通信を行う通信システムと、
ユーザインタフェースと、
複数の口座の個々の口座に関連するアカウント情報を記憶するメモリと、
取引用アプリケーションであって、
前記複数の口座のうちの選択されたサブセットの口座を決定するために、少なくとも1つの所定の選択ルールを前記複数の口座に対して自動的に適用し、
各インジケータが前記複数の口座のうちの前記選択されたサブセットのうちの1つの口座を表すような複数の取引用オプションインジケータを、前記取引用アプリケーションが前記複数の口座のうちの前記選択されたサブセットの口座に対して少なくとも1つの所定のソートルールを適用することで決定される優先順位に従って表示し、
前記複数の取引用オプションインジケータのうち少なくとも1つの取引用オプションインジケータに対するユーザ選択を取得し、
前記受信エンティティの前記取引システムとデータを交換して、前記複数の取引用オプションインジケータのうち選択された前記少なくとも1つの取引用オプションインジケータに関連づけられた取引口座を利用して、前記受信エンティティとの取引を開始するために、前記通信システムを動作させる、
取引用アプリケーションと
を備え、
前記取引用アプリケーションは、前記受信エンティティによって承認された複数の取引決済オプションの各オプションの指示を前記受信エンティティの前記取引システムから受信し、
前記少なくとも1つの所定の選択ルールは、前記複数の口座のうちの前記選択されたサブセットの口座を、前記受信エンティティによって承認された取引決済オプションに対応し、かつ、取引管理データベース内の前記受信エンティティに関連づけられた口座のみに限定することを含み、
前記所定のソートルールは、前記取引用オプションインジケータの前記優先順位を、前記受信エンティティと、前記取引管理データベース内の前記口座との間の関連付けに基づいて機能させるルールであることを特徴とする携帯装置。 - 前記取引用アプリケーションは前記取引の決済要件の指示を受信し、
前記少なくとも1つの所定の選択ルールは、前記取引の決済要件を満たす支払口座のみを、前記複数の口座のうちの前記選択されたサブセットの口座の中に包含させることを含む
ことを特徴とする請求項1に記載の携帯装置。 - 前記取引の決済要件は未支払いの支払金額の指示を含み、
前記複数の口座は支払口座を含み、
前記少なくとも1つの所定の選択ルールは、前記未払いの支払金額を上回る利用可能なクレジットを有する支払口座のみを前記複数の口座のうち前記選択されたサブセットの口座の中に包含させることを含む
ことを特徴とする請求項2に記載の携帯装置。 - 前記受信エンティティと、前記取引管理データベース内の前記口座との間の前記関連付けは、前記携帯装置の取引活動の追跡によって得られるスコア値であることを特徴とする請求項1に記載の携帯装置。
- 前記携帯装置は折り畳み構成の移動電話機であり、前記ユーザインタフェースは、
前記移動電話機が閉じた構成にあるとき、筐体の外側に設けられたユーザの目に見える外部ディスプレイと、
前記移動電話機が前記閉じた構成にあるとき、ユーザにより操作可能な前記筐体の外側にある複数のユーザインタフェース制御装置と、を備え、
前記複数の取引用オプションインジケータの表示では、前記取引用アプリケーションが、
スクロール機能を動作させて、前記取引用オプションインジケータの各インジケータを順次表示するように前記外部ディスプレイを駆動すべく、前記ユーザインタフェース制御装置を駆動させ、
選択機能を動作させて、前記取引用オプションインジケータのうちの少なくとも1つのインジケータに対するユーザ選択を取得するために、前記ユーザインタフェース制御装置を駆動させる
ことを特徴とする請求項1乃至4のいずれか1項に記載の携帯装置。 - 口座から取引を行うための携帯装置を動作させる方法であって、
複数の口座の個々の口座に関連する口座情報を記憶する口座データベースを維持するステップと、
前記複数の口座のうちの選択されたサブセットの口座を決定するために、少なくとも1つの所定の選択ルールを前記複数の口座に対して自動的に適用するステップと、
各インジケータが前記複数の口座のうちの選択されたサブセットの口座のうちの1つの口座を表すような複数の取引用オプションインジケータを、前記取引用アプリケーションが前記複数の口座のうちの前記選択されたサブセットの口座に対して少なくとも1つの所定のソートルールを適用することで決定される優先順位に従って表示するステップと、
前記複数の取引用オプションインジケータのうち少なくとも1つの取引用オプションインジケータに対するユーザ選択を取得するステップと、
受信エンティティの取引システムへの通信信号を生成するステップであって、該通信信号は、選択された前記少なくとも1つの取引用オプションインジケータについての前記口座情報を含む、ステップと、
を有し、
前記取引用アプリケーションは、前記受信エンティティによって承認された複数の取引決済オプションの各オプションの指示を前記受信エンティティの前記取引システムから受信し、
前記少なくとも1つの所定の選択ルールは、前記複数の口座のうちの前記選択されたサブセットの口座を、前記受信エンティティによって承認された取引決済オプションに対応し、かつ、取引管理データベース内の前記受信エンティティに関連づけられた口座のみに限定することを含み、
前記所定のソートルールは、前記取引用オプションインジケータの前記優先順位を、前記受信エンティティと、前記取引管理データベース内の前記口座との間の関連付けに基づいて機能させるルールであることを特徴とする方法。
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Application Number | Priority Date | Filing Date | Title |
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US11/537,347 | 2006-09-29 | ||
US11/537,347 US7802719B2 (en) | 2006-09-29 | 2006-09-29 | System and method for presenting multiple transaction options in a portable device |
PCT/US2007/064758 WO2008042455A2 (en) | 2006-09-29 | 2007-03-23 | System and method for presenting multiple transaction options in a portable device |
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Publication Number | Publication Date |
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JP2010505192A JP2010505192A (ja) | 2010-02-18 |
JP5021747B2 true JP5021747B2 (ja) | 2012-09-12 |
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JP2009530479A Expired - Fee Related JP5021747B2 (ja) | 2006-09-29 | 2007-03-23 | 携帯装置において複数の取引オプションを提示するシステム及び方法 |
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Country | Link |
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US (1) | US7802719B2 (ja) |
EP (1) | EP2102669A4 (ja) |
JP (1) | JP5021747B2 (ja) |
CN (1) | CN101680925A (ja) |
WO (1) | WO2008042455A2 (ja) |
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