JP6405386B2 - 取り外し可能な電子支払い装置 - Google Patents
取り外し可能な電子支払い装置 Download PDFInfo
- Publication number
- JP6405386B2 JP6405386B2 JP2016548123A JP2016548123A JP6405386B2 JP 6405386 B2 JP6405386 B2 JP 6405386B2 JP 2016548123 A JP2016548123 A JP 2016548123A JP 2016548123 A JP2016548123 A JP 2016548123A JP 6405386 B2 JP6405386 B2 JP 6405386B2
- Authority
- JP
- Japan
- Prior art keywords
- payment
- mobile
- card data
- removable
- mobile device
- 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.)
- Expired - Fee Related
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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
- G06Q20/327—Short range or proximity 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- 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]
- G06Q20/3223—Realising banking transactions through 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
- G06Q20/353—Payments by cards read by 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
- G06Q20/36—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
-
- 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
-
- 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
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0873—Details of the card reader
- G07F7/0893—Details of the card reader the card reader reading the card in a contactless manner
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Security & Cryptography (AREA)
- Cash Registers Or Receiving Machines (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Description
Claims (15)
- モバイル装置のモバイル・ウォレットに関連し、クレジット/デビット支払いトランザクションに使用される支払いカード・データを記憶するメモリと、
ドッキング・モード及び取り外しモードを含む非接触支払い送信プロセッサであって、前記ドッキング・モードは、支払い装置が前記モバイル装置に物理的に結合されているときに有効化されて前記モバイル・ウォレットから支払いカード・データを受信するように構成され、前記取り外しモードは、前記支払い装置が前記モバイル装置から物理的に取り外されたときに有効化されてPOS(販売時点情報管理)装置に、前記ドッキング・モード中に前記モバイル・ウォレットから受信した支払いカード・データを無線で伝えて支払いトランザクションを行うように構成される非接触支払い送信プロセッサとを備える、支払い装置。 - 前記支払い装置が前記モバイル装置に物理的に結合しているときに前記モバイル装置から充電される電源をさらに備える、請求項1に記載の支払い装置。
- 前記ドッキング・モードが、支払いカード・データを前記POS装置に無線で伝えるようにさらに構成される、請求項1に記載の支払い装置。
- 前記支払いカード・データが、静的カード・データ、動的要素を有する静的カード・データ、少なくとも部分的にトークン化されたデータ、又は、動的暗号文を有する少なくとも部分的にトークン化されたデータのうち少なくとも1つを含む、請求項1に記載の支払い装置。
- トリガ・イベントが発生した後に前記非接触支払い送信プロセッサが前記POS装置に支払いカード・データを伝える、請求項1に記載の支払い装置。
- モバイル・ウォレットを含み、前記モバイル・ウォレットがクレジット/デビット支払いトランザクションに使用される支払いカード・データを含む、モバイル装置と、
前記モバイル装置から取り外すことができるように取り付けることができる取り外し可能な支払い装置とを備え、前記取り外し可能な支払い装置が前記モバイル装置に結合されたときに前記支払い装置が前記モバイル・ウォレットから支払いカード・データを受信し、前記支払い装置が前記モバイル装置から分離されたときに前記支払い装置がPOS(販売時点情報管理)装置に無線で、前記支払い装置が前記モバイル装置に結合されている時に前記モバイル・ウォレットから受信した支払いカード・データを伝えて支払いトランザクションを行う、システム。 - 前記取り外し可能な支払い装置が前記モバイル・ウォレットから無線で支払いカード・データを受信する、請求項6に記載のシステム。
- 前記取り外し可能な支払い装置が短距離の非接触送信を使用して支払いカード・データを前記POS装置に伝える、請求項6に記載のシステム。
- 前記取り外し可能な支払い装置が前記モバイル装置に結合されているときに、前記取り外し可能な支払い装置と前記モバイル装置の両方が前記モバイル・ウォレットの支払いカード・データを前記POS装置に伝える、請求項6に記載のシステム。
- 前記取り外し可能な支払い装置のために有線又は無線の電源から充電される電源をさらに備える、請求項6に記載のシステム。
- 前記取り外し可能な支払い装置が前記POS装置の閾値近傍距離内にあるときに、前記支払い装置が支払いカード・データを自動的に前記POS装置に伝える、請求項6に記載のシステム。
- トリガ・イベントが発生すると、前記取り外し可能な支払い装置が支払いカード・データを前記POS装置に伝える、請求項6に記載のシステム。
- 前記トリガ・イベントが、前記取り外し可能な支払い装置のボタンが相互作用されたこと、前記取り外し可能な支払い装置の指紋スキャナが相互作用されたこと、又は前記モバイル装置から遠隔コマンドが発行されたことのうち少なくとも1つである、請求項12に記載のシステム。
- 前記取り外し可能な支払い装置が電子ペンの形状であり、前記取り外し可能な支払い装置が電子ペンの機能を行う、請求項6に記載のシステム。
- 前記支払いカード・データが動的暗号文を有する完全にトークン化されたカード・データを少なくとも1つ含む、請求項6に記載のシステム。
Applications Claiming Priority (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US201562118719P | 2015-02-20 | 2015-02-20 | |
US62/118,719 | 2015-02-20 | ||
PCT/US2016/018421 WO2016134117A1 (en) | 2015-02-20 | 2016-02-18 | Detachable electronic payment device |
US15/046,819 US20160247138A1 (en) | 2015-02-20 | 2016-02-18 | Detachable electronic payment device |
US15/046,819 | 2016-02-18 |
Publications (2)
Publication Number | Publication Date |
---|---|
JP2017516166A JP2017516166A (ja) | 2017-06-15 |
JP6405386B2 true JP6405386B2 (ja) | 2018-10-17 |
Family
ID=56689298
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
JP2016548123A Expired - Fee Related JP6405386B2 (ja) | 2015-02-20 | 2016-02-18 | 取り外し可能な電子支払い装置 |
Country Status (9)
Country | Link |
---|---|
US (2) | US20160247138A1 (ja) |
JP (1) | JP6405386B2 (ja) |
KR (2) | KR101941624B1 (ja) |
CN (1) | CN106104604A (ja) |
AU (1) | AU2016203801B2 (ja) |
HK (1) | HK1226180A1 (ja) |
RU (1) | RU2684508C1 (ja) |
SG (1) | SG11201605005YA (ja) |
WO (1) | WO2016134117A1 (ja) |
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-
2016
- 2016-02-18 KR KR1020187004123A patent/KR101941624B1/ko active IP Right Grant
- 2016-02-18 CN CN201680000815.7A patent/CN106104604A/zh active Pending
- 2016-02-18 JP JP2016548123A patent/JP6405386B2/ja not_active Expired - Fee Related
- 2016-02-18 US US15/046,819 patent/US20160247138A1/en not_active Abandoned
- 2016-02-18 AU AU2016203801A patent/AU2016203801B2/en not_active Ceased
- 2016-02-18 SG SG11201605005YA patent/SG11201605005YA/en unknown
- 2016-02-18 WO PCT/US2016/018421 patent/WO2016134117A1/en active Application Filing
- 2016-02-18 RU RU2016127525A patent/RU2684508C1/ru active
- 2016-02-18 KR KR1020167023058A patent/KR20160111997A/ko not_active Application Discontinuation
- 2016-12-16 HK HK16114349A patent/HK1226180A1/zh unknown
-
2020
- 2020-10-06 US US17/063,967 patent/US11538017B2/en active Active
Also Published As
Publication number | Publication date |
---|---|
CN106104604A (zh) | 2016-11-09 |
KR20160111997A (ko) | 2016-09-27 |
US20210019726A1 (en) | 2021-01-21 |
KR20180020310A (ko) | 2018-02-27 |
US11538017B2 (en) | 2022-12-27 |
RU2684508C1 (ru) | 2019-04-09 |
US20160247138A1 (en) | 2016-08-25 |
JP2017516166A (ja) | 2017-06-15 |
AU2016203801B2 (en) | 2017-05-25 |
KR101941624B1 (ko) | 2019-01-24 |
SG11201605005YA (en) | 2016-09-29 |
AU2016203801A1 (en) | 2016-09-08 |
HK1226180A1 (zh) | 2017-09-22 |
WO2016134117A1 (en) | 2016-08-25 |
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