JP6006907B2 - 暗証番号付きデビット取引の処理方法およびシステム - Google Patents

暗証番号付きデビット取引の処理方法およびシステム Download PDF

Info

Publication number
JP6006907B2
JP6006907B2 JP2013503833A JP2013503833A JP6006907B2 JP 6006907 B2 JP6006907 B2 JP 6006907B2 JP 2013503833 A JP2013503833 A JP 2013503833A JP 2013503833 A JP2013503833 A JP 2013503833A JP 6006907 B2 JP6006907 B2 JP 6006907B2
Authority
JP
Japan
Prior art keywords
debit
authentication
message
credit
card
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
JP2013503833A
Other languages
English (en)
Japanese (ja)
Other versions
JP2013540292A5 (enExample
JP2013540292A (ja
Inventor
カレスマン、マイケル、エー．、サード
タージオン、ポール
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.)
CardinalCommerce Corp
Original Assignee
CardinalCommerce Corp
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 CardinalCommerce Corp filed Critical CardinalCommerce Corp
Publication of JP2013540292A publication Critical patent/JP2013540292A/ja
Publication of JP2013540292A5 publication Critical patent/JP2013540292A5/ja
Application granted granted Critical
Publication of JP6006907B2 publication Critical patent/JP6006907B2/ja
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/383—Anonymous user system
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Electronic shopping [e-shopping] using intermediate agents

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
JP2013503833A 2010-04-05 2011-04-05 暗証番号付きデビット取引の処理方法およびシステム Active JP6006907B2 (ja)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US32086810P 2010-04-05 2010-04-05
US61/320,868 2010-04-05
PCT/US2011/031210 WO2011127029A1 (en) 2010-04-05 2011-04-05 Method and system for processing pin debit transactions

Related Child Applications (1)

Application Number Title Priority Date Filing Date
JP2016177174A Division JP6372951B2 (ja) 2010-04-05 2016-09-10 暗証番号付きデビット取引の処理方法およびシステム

Publications (3)

Publication Number Publication Date
JP2013540292A JP2013540292A (ja) 2013-10-31
JP2013540292A5 JP2013540292A5 (enExample) 2014-05-08
JP6006907B2 true JP6006907B2 (ja) 2016-10-12

Family

ID=44710765

Family Applications (2)

Application Number Title Priority Date Filing Date
JP2013503833A Active JP6006907B2 (ja) 2010-04-05 2011-04-05 暗証番号付きデビット取引の処理方法およびシステム
JP2016177174A Active JP6372951B2 (ja) 2010-04-05 2016-09-10 暗証番号付きデビット取引の処理方法およびシステム

Family Applications After (1)

Application Number Title Priority Date Filing Date
JP2016177174A Active JP6372951B2 (ja) 2010-04-05 2016-09-10 暗証番号付きデビット取引の処理方法およびシステム

Country Status (6)

Country Link
US (2) US9317850B2 (enExample)
EP (1) EP2556474A4 (enExample)
JP (2) JP6006907B2 (enExample)
AU (1) AU2011238473B2 (enExample)
CA (2) CA3012391A1 (enExample)
WO (1) WO2011127029A1 (enExample)

Families Citing this family (19)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP6006907B2 (ja) * 2010-04-05 2016-10-12 カーディナルコマース コーポレーション 暗証番号付きデビット取引の処理方法およびシステム
US10325265B2 (en) 2011-05-26 2019-06-18 Facebook, Inc. Methods and systems for facilitating E-commerce payments
US8538845B2 (en) 2011-06-03 2013-09-17 Mozido, Llc Monetary transaction system
US10438196B2 (en) 2011-11-21 2019-10-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
DE102012025910B3 (de) * 2012-01-09 2022-05-05 Heinz Giesen System zur Durchführung von Transaktionen
WO2013122912A1 (en) 2012-02-15 2013-08-22 Cardinalcommerce Corporation Authentication platform for pin debit issuers
SG11201405369RA (en) * 2012-03-01 2014-11-27 Mastercard Internat Inc Dba Mastercard Worldwide Systems and methods for mapping a mobile cloud account to a payment account
CA2909081C (en) 2012-04-16 2022-05-10 Salt Technology Inc. Systems and methods for facilitating a transaction using a virtual card on a mobile device
GB2513340A (en) * 2013-04-23 2014-10-29 Travelex Ltd Processing system
EP2838060A1 (en) 2013-08-14 2015-02-18 Facebook, Inc. Methods and systems for facilitating e-commerce payments
WO2015120420A2 (en) * 2014-02-07 2015-08-13 Steelman Walter Financial transaction system and method
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
GB2552458A (en) * 2016-06-30 2018-01-31 Vocalink Ltd Generation of web pages for verification of data
WO2018195285A1 (en) * 2017-04-19 2018-10-25 Jpmorgan Chase Bank, N.A. Systems and methods for conducting transactions using a surrogate pin
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
CN108563681B (zh) 2018-03-07 2021-02-02 创新先进技术有限公司 一种内容推荐方法、装置、电子设备及系统
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
US11544709B2 (en) * 2020-08-17 2023-01-03 Worldpay, Llc Systems and methods for single message transactions with batch settlement
US20230123264A1 (en) * 2021-10-15 2023-04-20 GTE Financial Systems, apparatuses and methods for providing a virtual card

Family Cites Families (64)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7039603B2 (en) * 1996-09-04 2006-05-02 Walker Digital, Llc Settlement systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network
US6636833B1 (en) 1998-03-25 2003-10-21 Obis Patents Ltd. Credit card system and method
US6254000B1 (en) * 1998-11-13 2001-07-03 First Data Corporation System and method for providing a card transaction authorization fraud warning
US6327578B1 (en) 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
WO2001008066A1 (en) * 1999-07-26 2001-02-01 Iprivacy Llc Electronic purchase of goods over a communication network including physical delivery while securing private and personal information
EP1077436A3 (en) 1999-08-19 2005-06-22 Citicorp Development Center, Inc. System and method for performing an on-line transaction using a single-use payment instrument
US7249093B1 (en) * 1999-09-07 2007-07-24 Rysix Holdings, Llc Method of and system for making purchases over a computer network
US8875990B2 (en) 1999-11-05 2014-11-04 Lead Core Fund, L.L.C. Systems and methods for allocating a payment authorization request to a payment processor
WO2001033522A1 (en) 1999-11-05 2001-05-10 American Express Travel Related Services Company, Inc. Systems and methods for facilitating commercial transactions between parties residing at remote locations
US6895391B1 (en) * 1999-11-09 2005-05-17 Arcot Systems, Inc. Method and system for secure authenticated payment on a computer network
AU2261501A (en) * 1999-12-16 2001-06-25 Debit.Net, Inc. Secure networked transaction system
US20020111907A1 (en) * 2000-01-26 2002-08-15 Ling Marvin T. Systems and methods for conducting electronic commerce transactions requiring micropayment
JP2001256407A (ja) * 2000-03-10 2001-09-21 Junichi Horie カード認証用端末機及びカード決済システム
US7356507B2 (en) 2000-10-30 2008-04-08 Amazon.Com, Inc. Network based user-to-user payment service
US7542943B2 (en) 2000-10-30 2009-06-02 Amazon Technologies, Inc. Computer services and methods for collecting payments from and providing content to web users
US7536351B2 (en) 2000-10-30 2009-05-19 Amazon.Com, Inc. User-to-user payment service with payee-specific pay pages
US7379916B1 (en) 2000-11-03 2008-05-27 Authernative, Inc. System and method for private secure financial transactions
US20020165829A1 (en) * 2001-05-04 2002-11-07 Jones John A. Financial transaction processing system
US7225156B2 (en) * 2001-07-11 2007-05-29 Fisher Douglas C Persistent dynamic payment service
US6908030B2 (en) 2001-10-31 2005-06-21 Arcot Systems, Inc. One-time credit card number generator and single round-trip authentication
JP2003150885A (ja) 2001-11-15 2003-05-23 Hitachi Ltd 決済システムおよび決済装置
US6901387B2 (en) 2001-12-07 2005-05-31 General Electric Capital Financial Electronic purchasing method and apparatus for performing the same
US7577585B2 (en) 2001-12-07 2009-08-18 American Express Travel Related Services Company, Inc. Method and system for completing transactions involving partial shipments
US7992007B2 (en) * 2002-02-05 2011-08-02 Cardinalcommerce Corporation Dynamic pin pad for credit/debit/ other electronic transactions
JP2004054897A (ja) * 2002-05-29 2004-02-19 Toshiba Tec Corp カード認証サーバ装置及びカード認証プログラム
US7693783B2 (en) 2002-06-12 2010-04-06 Cardinalcommerce Corporation Universal merchant platform for payment authentication
CA2950637C (en) 2002-06-12 2019-03-19 Cardinalcommerce Corporation Universal merchant platform for payment authentication
US20040044739A1 (en) * 2002-09-04 2004-03-04 Robert Ziegler System and methods for processing PIN-authenticated transactions
JP2004199269A (ja) 2002-12-17 2004-07-15 Nec Saitama Ltd 携帯端末によるクレジット決済システムおよび方法、クレジット決済サーバ、並びにプログラム
US7827101B2 (en) * 2003-01-10 2010-11-02 First Data Corporation Payment system clearing for transactions
US20050027648A1 (en) * 2003-07-29 2005-02-03 Knowles W. Jeffrey System and method of account reconciliation for electronic transactions
US7543739B2 (en) 2003-12-17 2009-06-09 Qsecure, Inc. Automated payment card fraud detection and location
US7580898B2 (en) 2004-03-15 2009-08-25 Qsecure, Inc. Financial transactions with dynamic personal account numbers
US7584153B2 (en) 2004-03-15 2009-09-01 Qsecure, Inc. Financial transactions with dynamic card verification values
US7472829B2 (en) 2004-12-10 2009-01-06 Qsecure, Inc. Payment card with internally generated virtual account numbers for its magnetic stripe encoder and user display
US7413112B2 (en) 2004-03-16 2008-08-19 American Express Travel Related Services Company, Inc. Method and system for manual authorization
JP3968589B2 (ja) * 2004-05-14 2007-08-29 株式会社日立プラントテクノロジー 菌体回収方法、装置及び馴養方法並びに廃水処理装置
US20060123465A1 (en) * 2004-10-01 2006-06-08 Robert Ziegler Method and system of authentication on an open network
US7434723B1 (en) 2005-05-26 2008-10-14 Sprint Communications Company L.P. Mobile payment authorization system and method
JP4912048B2 (ja) * 2005-07-20 2012-04-04 キヤノン株式会社 印刷装置、制御方法及びプログラム
US7494067B1 (en) 2005-09-07 2009-02-24 Sprint Communications Company L.P. Alternate authorization for proximity card
JP2007286697A (ja) 2006-04-12 2007-11-01 Mastercard Internatl Japan Inc 支払い処理支援装置及び支払い処理支援方法
US9177314B2 (en) * 2006-08-14 2015-11-03 Chijioke Chukwuemeka UZO Method of making secure electronic payments using communications devices and biometric data
CH698351B1 (de) 2006-11-16 2015-06-15 Net1 Ueps Technologies Inc Gesicherte finanzielle Transaktion.
JP2008158638A (ja) * 2006-12-21 2008-07-10 Mastercard Internatl Japan Inc 支払い処理支援システム及び支払い処理支援方法並びに支払い処理支援装置及びクレジットカードのバックエンドシステム
US7606766B2 (en) 2006-12-21 2009-10-20 American Express Travel Related Services Company, Inc. Computer system and computer-implemented method for selecting invoice settlement options
EP3575951A1 (en) * 2007-04-17 2019-12-04 Visa USA, Inc. Method and system for authenticating a party to a transaction
US8078515B2 (en) * 2007-05-04 2011-12-13 Michael Sasha John Systems and methods for facilitating electronic transactions and deterring fraud
JP2008305392A (ja) * 2007-05-09 2008-12-18 Japan Net Bank Ltd カード決済サービスの提供方法、カード決済サービスの提供システム、及びコンピュータシステムにカード決済サービスの提供処理を実行させるためのコンピュータプログラム
US7770789B2 (en) * 2007-05-17 2010-08-10 Shift4 Corporation Secure payment card transactions
US7841523B2 (en) * 2007-05-17 2010-11-30 Shift4 Corporation Secure payment card transactions
US7891563B2 (en) * 2007-05-17 2011-02-22 Shift4 Corporation Secure payment card transactions
US7739169B2 (en) * 2007-06-25 2010-06-15 Visa U.S.A. Inc. Restricting access to compromised account information
US8010428B2 (en) * 2007-09-26 2011-08-30 Visa Usa Inc. Form factor identification
US20090171825A1 (en) * 2007-12-27 2009-07-02 Roman Alan P Systems and methods for processing a payment transaction
US8799122B1 (en) * 2008-03-31 2014-08-05 Intuit Inc. Method and system for user contributed aggregated fraud identification
US20090271211A1 (en) * 2008-04-29 2009-10-29 Ayman Hammad Device including user exclusive data tag
US10157375B2 (en) 2008-06-03 2018-12-18 Cardinalcommerce Corporation Alternative payment implementation for electronic retailers
US20100005013A1 (en) * 2008-07-03 2010-01-07 Retail Decisions, Inc. Methods and systems for detecting fraudulent transactions in a customer-not-present environment
US20100057554A1 (en) * 2008-09-04 2010-03-04 Mastercard International Incorporated Method and System for Enabling Promotion of Product(s) and/or Service(s)
US8744960B2 (en) * 2008-10-08 2014-06-03 First Data Corporation Methods and systems for business-to-business electronic payment processing
US9367834B2 (en) * 2010-01-22 2016-06-14 Iii Holdings 1, Llc Systems, methods, and computer products for processing payments using a proxy card
US20110225058A1 (en) * 2010-03-05 2011-09-15 Patterson Barbara E Messaging including value account conversion
JP6006907B2 (ja) * 2010-04-05 2016-10-12 カーディナルコマース コーポレーション 暗証番号付きデビット取引の処理方法およびシステム

Also Published As

Publication number Publication date
US10504098B2 (en) 2019-12-10
EP2556474A1 (en) 2013-02-13
CA2795167C (en) 2018-09-04
US9317850B2 (en) 2016-04-19
JP2017037655A (ja) 2017-02-16
US20160232529A1 (en) 2016-08-11
US20110246324A1 (en) 2011-10-06
AU2011238473B2 (en) 2015-03-19
EP2556474A4 (en) 2013-12-04
JP6372951B2 (ja) 2018-08-15
CA3012391A1 (en) 2011-10-13
JP2013540292A (ja) 2013-10-31
CA2795167A1 (en) 2011-10-13
AU2011238473A1 (en) 2012-11-01
WO2011127029A1 (en) 2011-10-13

Similar Documents

Publication Publication Date Title
JP6006907B2 (ja) 暗証番号付きデビット取引の処理方法およびシステム
CA2748913C (en) Payment system
RU2604671C2 (ru) Подсчет стоимости покупок в пункте продаж с использованием штрих-кодов
US8255324B2 (en) Systems and methods for facilitating financial transactions over a network with a gateway adapter
US9015066B2 (en) Digital wallet loading
JP6043464B2 (ja) 汎用販売者申請、登録、および利用プラットフォーム
US11868920B2 (en) Authentication platform for pin debit issuers
US20160140557A1 (en) E-commerce based payment system with authentication of electronic invoices
TW201013557A (en) Online processing for offshore business transactions
AU2015203373B2 (en) Method and system for processing PIN debit transactions
US20130317976A1 (en) Proxy Shopper Payments
TW202531087A (zh) 一種電子票券贈送系統及其方法
JP2021105776A (ja) カードレスクレジット決済

Legal Events

Date Code Title Description
A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20140315

A621 Written request for application examination

Free format text: JAPANESE INTERMEDIATE CODE: A621

Effective date: 20140315

A977 Report on retrieval

Free format text: JAPANESE INTERMEDIATE CODE: A971007

Effective date: 20150415

A131 Notification of reasons for refusal

Free format text: JAPANESE INTERMEDIATE CODE: A131

Effective date: 20150421

A601 Written request for extension of time

Free format text: JAPANESE INTERMEDIATE CODE: A601

Effective date: 20150721

A601 Written request for extension of time

Free format text: JAPANESE INTERMEDIATE CODE: A601

Effective date: 20150821

A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20150924

A131 Notification of reasons for refusal

Free format text: JAPANESE INTERMEDIATE CODE: A131

Effective date: 20160322

A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20160618

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: 20160712

A601 Written request for extension of time

Free format text: JAPANESE INTERMEDIATE CODE: A601

Effective date: 20160811

A61 First payment of annual fees (during grant procedure)

Free format text: JAPANESE INTERMEDIATE CODE: A61

Effective date: 20160910

R150 Certificate of patent or registration of utility model

Ref document number: 6006907

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