JP5957524B2 - モバイルデバイスによる支払い選択および承認 - Google Patents

モバイルデバイスによる支払い選択および承認 Download PDF

Info

Publication number
JP5957524B2
JP5957524B2 JP2014518926A JP2014518926A JP5957524B2 JP 5957524 B2 JP5957524 B2 JP 5957524B2 JP 2014518926 A JP2014518926 A JP 2014518926A JP 2014518926 A JP2014518926 A JP 2014518926A JP 5957524 B2 JP5957524 B2 JP 5957524B2
Authority
JP
Japan
Prior art keywords
user
payment
merchant
request
approval
Prior art date
Legal status (The legal status 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 status listed.)
Active
Application number
JP2014518926A
Other languages
English (en)
Japanese (ja)
Other versions
JP2014522022A (ja
Inventor
ハンソン ロバート
ハンソン ロバート
エル．シーリー ブラッド
エル．シーリー ブラッド
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Amazon Technologies Inc
Original Assignee
Amazon Technologies 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
Priority claimed from US13/170,121 external-priority patent/US10055740B2/en
Priority claimed from US13/170,144 external-priority patent/US20120330788A1/en
Application filed by Amazon Technologies Inc filed Critical Amazon Technologies Inc
Publication of JP2014522022A publication Critical patent/JP2014522022A/ja
Application granted granted Critical
Publication of JP5957524B2 publication Critical patent/JP5957524B2/ja
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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
    • G06Q20/322—Aspects of commerce using mobile devices [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
    • G06Q20/40—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
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Telephonic Communication Services (AREA)
JP2014518926A 2011-06-27 2012-06-26 モバイルデバイスによる支払い選択および承認 Active JP5957524B2 (ja)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US13/170,121 US10055740B2 (en) 2011-06-27 2011-06-27 Payment selection and authorization
US13/170,144 US20120330788A1 (en) 2011-06-27 2011-06-27 Payment selection and authorization by a mobile device
US13/170,144 2011-06-27
US13/170,121 2011-06-27
PCT/US2012/044246 WO2013003372A1 (en) 2011-06-27 2012-06-26 Payment selection and authorization by a mobile device

Related Child Applications (1)

Application Number Title Priority Date Filing Date
JP2016037781A Division JP6254204B2 (ja) 2011-06-27 2016-02-29 モバイルデバイスによる支払い選択および承認

Publications (2)

Publication Number Publication Date
JP2014522022A JP2014522022A (ja) 2014-08-28
JP5957524B2 true JP5957524B2 (ja) 2016-07-27

Family

ID=47424510

Family Applications (2)

Application Number Title Priority Date Filing Date
JP2014518926A Active JP5957524B2 (ja) 2011-06-27 2012-06-26 モバイルデバイスによる支払い選択および承認
JP2016037781A Active JP6254204B2 (ja) 2011-06-27 2016-02-29 モバイルデバイスによる支払い選択および承認

Family Applications After (1)

Application Number Title Priority Date Filing Date
JP2016037781A Active JP6254204B2 (ja) 2011-06-27 2016-02-29 モバイルデバイスによる支払い選択および承認

Country Status (5)

Country Link
EP (1) EP2724523A4 (de)
JP (2) JP5957524B2 (de)
CN (1) CN103765861B (de)
CA (1) CA2839150C (de)
WO (1) WO2013003372A1 (de)

Families Citing this family (53)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7572065B2 (en) 2007-01-24 2009-08-11 Adc Telecommunications, Inc. Hardened fiber optic connector
EP2947592B1 (de) 2007-09-24 2021-10-27 Apple Inc. Eingebettete authentifikationssysteme in einer elektronischen vorrichtung
US8600120B2 (en) 2008-01-03 2013-12-03 Apple Inc. Personal computing device control using face detection and recognition
US9002322B2 (en) 2011-09-29 2015-04-07 Apple Inc. Authentication with secondary approver
CA2830260C (en) 2012-10-17 2021-10-12 Royal Bank Of Canada Virtualization and secure processing of data
US11080701B2 (en) 2015-07-02 2021-08-03 Royal Bank Of Canada Secure processing of electronic payments
US11210648B2 (en) 2012-10-17 2021-12-28 Royal Bank Of Canada Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments
US9898642B2 (en) 2013-09-09 2018-02-20 Apple Inc. Device, method, and graphical user interface for manipulating user interfaces based on fingerprint sensor inputs
JP6393325B2 (ja) 2013-10-30 2018-09-19 アップル インコーポレイテッドＡｐｐｌｅ Ｉｎｃ． 関連するユーザインターフェースオブジェクトの表示
US10977650B2 (en) * 2013-10-30 2021-04-13 Tencent Technology (Shenzhen) Company Limited Information transmission method, apparatus and system
CN104703124B (zh) * 2013-12-06 2018-10-16 阿里巴巴集团控股有限公司 对象信息获得方法及系统
US10043185B2 (en) 2014-05-29 2018-08-07 Apple Inc. User interface for payments
CN115496491A (zh) * 2014-05-29 2022-12-20 苹果公司 用于支付的用户接口
CN105450583B (zh) 2014-07-03 2019-07-05 阿里巴巴集团控股有限公司 一种信息认证的方法及装置
CN105446992A (zh) 2014-07-08 2016-03-30 阿里巴巴集团控股有限公司 建立商品对象回收信息数据库、确定价值信息方法及装置
CN105450411B (zh) 2014-08-14 2019-01-08 阿里巴巴集团控股有限公司 利用卡片特征进行身份验证的方法、装置及系统
CN105354190A (zh) * 2014-08-18 2016-02-24 阿里巴巴集团控股有限公司 一种数值信息转移方法及装置
WO2016036552A1 (en) 2014-09-02 2016-03-10 Apple Inc. User interactions for a mapping application
EP3204903A4 (de) 2014-10-10 2018-02-21 Royal Bank Of Canada Systeme zur verarbeitung elektronischer transaktionen
CN105590211B (zh) * 2014-10-21 2019-11-15 腾讯科技（深圳）有限公司 一种数据转移的方法、装置及系统
CN105719183A (zh) 2014-12-03 2016-06-29 阿里巴巴集团控股有限公司 定向转账方法及其装置
CN105654293B (zh) * 2014-12-03 2020-01-17 阿里巴巴集团控股有限公司 支付方法及装置
CN105869043A (zh) 2015-01-19 2016-08-17 阿里巴巴集团控股有限公司 分散热点的数据库账户转入、转出的记账方法及装置
AU2016208989B2 (en) * 2015-01-19 2021-11-25 Royal Bank Of Canada Secure processing of electronic payments
US11354651B2 (en) 2015-01-19 2022-06-07 Royal Bank Of Canada System and method for location-based token transaction processing
US20160224973A1 (en) * 2015-02-01 2016-08-04 Apple Inc. User interface for payments
CN105989467A (zh) 2015-02-03 2016-10-05 阿里巴巴集团控股有限公司 无线支付方法与装置及交通工具乘坐费检验方法与系统
KR102460459B1 (ko) * 2015-02-27 2022-10-28 삼성전자주식회사 전자 장치를 이용한 카드 서비스 방법 및 장치
JP2016218861A (ja) * 2015-05-22 2016-12-22 大日本印刷株式会社 支払可否決定システム、携帯端末、装置およびそれらのプログラム
US20160358133A1 (en) 2015-06-05 2016-12-08 Apple Inc. User interface for loyalty accounts and private label accounts for a wearable device
US9940637B2 (en) 2015-06-05 2018-04-10 Apple Inc. User interface for loyalty accounts and private label accounts
US10453057B2 (en) * 2015-06-19 2019-10-22 Paypal, Inc. Split path data communication
US11599879B2 (en) 2015-07-02 2023-03-07 Royal Bank Of Canada Processing of electronic transactions
KR102463753B1 (ko) * 2015-08-06 2022-11-07 에스케이플래닛 주식회사 실적 달성을 고려한 카드 분할 결제를 위한 사용자 장치, 서비스 제공 장치, pos 단말, 그를 포함하는 결제 시스템, 그의 제어 방법 및 컴퓨터 프로그램이 기록된 기록매체
CN106570009B (zh) 2015-10-09 2020-07-28 阿里巴巴集团控股有限公司 导航类目更新方法及装置
EP3179432A1 (de) * 2015-12-11 2017-06-14 Mastercard International Incorporated Delegierung von transaktionen
EP3179431A1 (de) * 2015-12-11 2017-06-14 Mastercard International Incorporated Benutzerauthentifizierung für transaktionen
DK179471B1 (en) 2016-09-23 2018-11-26 Apple Inc. IMAGE DATA FOR ENHANCED USER INTERACTIONS
CN106651379A (zh) * 2016-11-17 2017-05-10 北京小米移动软件有限公司 支付方法及装置
EP4156129A1 (de) 2017-09-09 2023-03-29 Apple Inc. Implementierung der biometrischen erfassung
WO2019108130A1 (en) * 2017-11-29 2019-06-06 Mastercard Asia/Pacific Pte. Ltd. A payment transaction system for processing a tokenized transaction over a domestic switch
CN108734371A (zh) 2018-02-12 2018-11-02 阿里巴巴集团控股有限公司 一种针对风控指令的处理方法、装置及设备
CN108632348B (zh) 2018-03-19 2020-02-18 阿里巴巴集团控股有限公司 一种业务校验方法和装置
US11170085B2 (en) 2018-06-03 2021-11-09 Apple Inc. Implementation of biometric authentication
US10860096B2 (en) 2018-09-28 2020-12-08 Apple Inc. Device control using gaze information
US11100349B2 (en) 2018-09-28 2021-08-24 Apple Inc. Audio assisted enrollment
US11477609B2 (en) 2019-06-01 2022-10-18 Apple Inc. User interfaces for location-related communications
US11481094B2 (en) 2019-06-01 2022-10-25 Apple Inc. User interfaces for location-related communications
DK180985B1 (da) 2020-04-10 2022-09-02 Apple Inc Brugergrænseflader for muliggørelse af en aktivitet
TWI789971B (zh) * 2020-05-15 2023-01-11 華南商業銀行股份有限公司 交互判斷合法性的交易驗證系統及方法
TWI789972B (zh) * 2020-05-15 2023-01-11 華南商業銀行股份有限公司 可中斷連接之交易驗證系統及方法
CN116830104B (zh) * 2021-01-19 2024-10-15 维萨国际服务协会 交互请求系统和方法
EP4264460A1 (de) 2021-01-25 2023-10-25 Apple Inc. Implementierung von biometrischer authentifizierung

Family Cites Families (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FI108813B (fi) * 1999-03-08 2002-03-28 Sonera Smarttrust Oy Menetelmä ja järjestelmä tietoliikennejärjestelmässä
AU2001280023A1 (en) * 2000-07-17 2002-01-30 Richard O'connell System and methods of validating an authorized user of a payment card and authorization of a payment card transaction
JP2002092320A (ja) * 2000-09-14 2002-03-29 Ntt Electornics Corp 電子決済システム、電子決済方法、および電子決済機能付き携帯電話
JP2003168063A (ja) * 2001-11-30 2003-06-13 Hitachi Ltd カード決済方法における決済承認方法及びシステム
JP2004110352A (ja) * 2002-09-18 2004-04-08 Hitachi Software Eng Co Ltd クレジットカード決済サービスシステム
JP2005141503A (ja) * 2003-11-06 2005-06-02 Nec Computertechno Ltd 料金決済システム、方法および記録媒体
JP2005174207A (ja) * 2003-12-15 2005-06-30 Nippon Shinpan Co Ltd 決済確認機能を有するサーバ及び決済確認方法
JP2006127174A (ja) * 2004-10-29 2006-05-18 Hitachi Omron Terminal Solutions Corp クレジット決済における個人認証システム
US7357310B2 (en) * 2005-03-11 2008-04-15 Gerry Calabrese Mobile phone charge card notification and authorization method
JP5172240B2 (ja) * 2007-08-09 2013-03-27 株式会社日本総合研究所 電子商取引システムおよびコンピュータプログラム
US20090281904A1 (en) * 2008-04-02 2009-11-12 Pharris Dennis J Mobile telephone transaction systems and methods
US8632002B2 (en) * 2008-07-08 2014-01-21 International Business Machines Corporation Real-time security verification for banking cards
US8244643B2 (en) * 2008-11-08 2012-08-14 Fonwallet Transaction Solutions, Inc. System and method for processing financial transaction data using an intermediary service
WO2011040401A1 (ja) * 2009-09-30 2011-04-07 楽天株式会社 クレジットカード不正防止システム

Also Published As

Publication number Publication date
CA2839150C (en) 2018-02-13
JP2016131033A (ja) 2016-07-21
JP6254204B2 (ja) 2017-12-27
CN103765861B (zh) 2016-08-17
WO2013003372A1 (en) 2013-01-03
EP2724523A1 (de) 2014-04-30
EP2724523A4 (de) 2014-12-03
CN103765861A (zh) 2014-04-30
JP2014522022A (ja) 2014-08-28
CA2839150A1 (en) 2013-01-03

Similar Documents

Publication Publication Date Title
JP6254204B2 (ja) モバイルデバイスによる支払い選択および承認
US10055740B2 (en) Payment selection and authorization
US11429947B2 (en) Systems and methods for transaction pre-authentication
US20200364720A1 (en) Method and apparatus for facilitating commerce
US20120330788A1 (en) Payment selection and authorization by a mobile device
US10395251B2 (en) Remotely generated behavioral profile for storage and use on mobile device
US8589297B2 (en) Prepaid value account with reversion to purchaser systems and methods
US20160180305A1 (en) Payment Method Linked To A Mobile Number
US7735720B2 (en) Method and system for manual authorization
US7761381B1 (en) Method and system for approving of financial transactions
US9965757B2 (en) Method and system for controlling access to a financial account
US20170011400A1 (en) Friendly Funding Source
US20160321663A1 (en) Electronic payment and budgeting system utilizing configurable payment cards
US20080015988A1 (en) Proxy card authorization system
US20160371699A1 (en) Method for Financial Fraud Prevention Through User-Determined Regulations
US20110320354A1 (en) Systems and methods for asynchronous mobile authorization of credit card purchases
US11908004B2 (en) Method and system for obtaining credit

Legal Events

Date Code Title Description
A977 Report on retrieval

Free format text: JAPANESE INTERMEDIATE CODE: A971007

Effective date: 20150130

A131 Notification of reasons for refusal

Free format text: JAPANESE INTERMEDIATE CODE: A131

Effective date: 20150224

A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20150525

A02 Decision of refusal

Free format text: JAPANESE INTERMEDIATE CODE: A02

Effective date: 20151027

A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20160229

A911 Transfer to examiner for re-examination before appeal (zenchi)

Free format text: JAPANESE INTERMEDIATE CODE: A911

Effective date: 20160307

TRDD Decision of grant or rejection written
A01 Written decision to grant a patent or to grant a registration (utility model)

Free format text: JAPANESE INTERMEDIATE CODE: A01

Effective date: 20160524

A61 First payment of annual fees (during grant procedure)

Free format text: JAPANESE INTERMEDIATE CODE: A61

Effective date: 20160620

R150 Certificate of patent or registration of utility model

Ref document number: 5957524

Country of ref document: JP

Free format text: JAPANESE INTERMEDIATE CODE: R150

R250 Receipt of annual fees

Free format text: JAPANESE INTERMEDIATE CODE: R250

R250 Receipt of annual fees

Free format text: JAPANESE INTERMEDIATE CODE: R250

R250 Receipt of annual fees

Free format text: JAPANESE INTERMEDIATE CODE: R250

R250 Receipt of annual fees

Free format text: JAPANESE INTERMEDIATE CODE: R250

R250 Receipt of annual fees

Free format text: JAPANESE INTERMEDIATE CODE: R250

R250 Receipt of annual fees

Free format text: JAPANESE INTERMEDIATE CODE: R250