RU2012139267A - Доверенный внутренний интерфейс - Google Patents

Доверенный внутренний интерфейс Download PDF

Info

Publication number
RU2012139267A
RU2012139267A RU2012139267/08A RU2012139267A RU2012139267A RU 2012139267 A RU2012139267 A RU 2012139267A RU 2012139267/08 A RU2012139267/08 A RU 2012139267/08A RU 2012139267 A RU2012139267 A RU 2012139267A RU 2012139267 A RU2012139267 A RU 2012139267A
Authority
RU
Russia
Prior art keywords
payment
additional functions
application
data
transaction
Prior art date
Application number
RU2012139267/08A
Other languages
English (en)
Other versions
RU2589373C2 (ru
Inventor
Олег МАХОТИН
Труди ХИЛЛ
Эрик ВОНГ
Олег МАКАРЕНКО
Хао НГО
Кристиан ОБЮЕ
Уилльям Александр ТАУ
Original Assignee
Виза Интернэшнл Сервис Ассосиэйшн
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 Виза Интернэшнл Сервис Ассосиэйшн filed Critical Виза Интернэшнл Сервис Ассосиэйшн
Publication of RU2012139267A publication Critical patent/RU2012139267A/ru
Application granted granted Critical
Publication of RU2589373C2 publication Critical patent/RU2589373C2/ru

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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
    • 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
    • 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]
    • G06Q20/3226—Use of secure elements separate from 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
    • G06Q20/32—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]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • 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
    • G06Q20/32—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
    • 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
    • G06Q20/356—Aspects of software for card payments
    • G06Q20/3563—Software being resident on card
    • 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
    • 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
    • G06Q20/3574—Multiple applications on card
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0641—Shopping interfaces
    • 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
    • G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Marketing (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

1. Способ, содержащий:прием, в платежном приложении, установленном на платежном устройстве, транзакционных данных, релевантных платежной транзакции, которая проводится между пользователем платежного устройства и торговцем;передачу, посредством интерфейса, который соединяет приложение для осуществления платежей с приложением дополнительных функций, установленным на платежном устройстве, инструкции, которая побуждает приложение дополнительных функций обеспечивать данные дополнительных функций, релевантные платежной транзакции; ипередачу, посредством интерфейса, данных дополнительных функций, релевантных платежной транзакции, от приложения дополнительных функций в приложение для осуществления платежей.2. Способ по п.1, дополнительно содержащий:передачу данных дополнительных функций вместе с платежными данными от платежного приложения торговцу.3. Способ по п.2, дополнительно содержащий:передачу данных дополнительных функций и платежных данных от торговца в сеть обработки платежей.4. Способ по п.3, дополнительно содержащий:передачу, посредством сети обработки платежей по меньшей мере одних из данных дополнительных функций и платежных данных эмитенту, транспортному оператору, или оператору лояльности.5. Способ по п.1, в котором платежное устройство является мобильным телефоном и платежная транзакция между пользователем мобильного телефона и торговцем проводится через сеть Интернет.6. Способ по п.1, в котором платежная транзакция между пользователем платежного устройства и торговцем проводится посредством технологии связи ближнего поля.7. Способ по п.1, в котором приложение дополнительных функций явля

Claims (13)

1. Способ, содержащий:
прием, в платежном приложении, установленном на платежном устройстве, транзакционных данных, релевантных платежной транзакции, которая проводится между пользователем платежного устройства и торговцем;
передачу, посредством интерфейса, который соединяет приложение для осуществления платежей с приложением дополнительных функций, установленным на платежном устройстве, инструкции, которая побуждает приложение дополнительных функций обеспечивать данные дополнительных функций, релевантные платежной транзакции; и
передачу, посредством интерфейса, данных дополнительных функций, релевантных платежной транзакции, от приложения дополнительных функций в приложение для осуществления платежей.
2. Способ по п.1, дополнительно содержащий:
передачу данных дополнительных функций вместе с платежными данными от платежного приложения торговцу.
3. Способ по п.2, дополнительно содержащий:
передачу данных дополнительных функций и платежных данных от торговца в сеть обработки платежей.
4. Способ по п.3, дополнительно содержащий:
передачу, посредством сети обработки платежей по меньшей мере одних из данных дополнительных функций и платежных данных эмитенту, транспортному оператору, или оператору лояльности.
5. Способ по п.1, в котором платежное устройство является мобильным телефоном и платежная транзакция между пользователем мобильного телефона и торговцем проводится через сеть Интернет.
6. Способ по п.1, в котором платежная транзакция между пользователем платежного устройства и торговцем проводится посредством технологии связи ближнего поля.
7. Способ по п.1, в котором приложение дополнительных функций является транспортным приложением и данные дополнительных функций содержат билетную информацию.
8. Способ по п.1, в котором приложение дополнительных функций является приложением программы лояльности и данные дополнительных функций содержат информацию баллов лояльности.
9. Способ, содержащий:
прием, в приложении дополнительных функций, установленном на платежном устройстве, данных дополнительных функций, релевантных транзакции дополнительных функций, которая проводится между пользователем платежного устройства и оператором дополнительных функций;
передачу, посредством интерфейса, который соединяет приложение дополнительных функций с платежным приложением, установленным на платежном устройстве, запроса, чтобы приложение для осуществления платежей обеспечило платежные данные для платежного счета пользователя платежного устройства;
передачу, посредством интерфейса, платежных данных от платежного приложения в приложение дополнительных функций; и
передачу платежных данных и данных дополнительных функций от приложения дополнительных функций оператору дополнительных функций.
10. Способ по п.9, дополнительно содержащий:
передачу платежных данных и данных дополнительных функций от оператора дополнительных функций в сеть дополнительных функций.
11. Способ по п.10, дополнительно содержащий:
передачу, посредством сети дополнительных функций по меньшей мере одних из данных дополнительных функций и платежных данных банку-эквайеру, эмитенту, транспортному оператору, или оператору лояльности.
12. Способ по п.9, в котором транзакция дополнительных функций между пользователем платежного устройства и оператором дополнительных функций проводится через сеть Интернет.
13. Способ по п.9, в котором транзакция дополнительных функций между пользователем платежного устройства и оператором дополнительных функций проводится посредством технологии связи ближнего поля.
RU2012139267/08A 2010-06-02 2011-06-01 Доверенный внутренний интерфейс RU2589373C2 (ru)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US35071910P 2010-06-02 2010-06-02
US61/350,719 2010-06-02
US13/149,553 US8321345B2 (en) 2010-06-02 2011-05-31 Trusted internal interface
US13/149,553 2011-05-31
PCT/US2011/038817 WO2011153281A2 (en) 2010-06-02 2011-06-01 Trusted internal interface

Publications (2)

Publication Number Publication Date
RU2012139267A true RU2012139267A (ru) 2014-03-20
RU2589373C2 RU2589373C2 (ru) 2016-07-10

Family

ID=45067278

Family Applications (1)

Application Number Title Priority Date Filing Date
RU2012139267/08A RU2589373C2 (ru) 2010-06-02 2011-06-01 Доверенный внутренний интерфейс

Country Status (7)

Country Link
US (4) US8321345B2 (ru)
CN (2) CN107609855B (ru)
AU (1) AU2011261490B2 (ru)
BR (1) BR112012022954A2 (ru)
CA (1) CA2792576A1 (ru)
RU (1) RU2589373C2 (ru)
WO (1) WO2011153281A2 (ru)

Families Citing this family (26)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9047601B2 (en) * 2006-09-24 2015-06-02 RFCyber Corpration Method and apparatus for settling payments using mobile devices
US10445723B2 (en) 2010-04-09 2019-10-15 Paypal, Inc. NFC-transaction processing systems and methods
US10134031B2 (en) 2010-04-09 2018-11-20 Paypal, Inc. Transaction token issuing authorities
US11887105B2 (en) 2010-04-09 2024-01-30 Paypal, Inc. Transaction token issuing authorities
US10304051B2 (en) 2010-04-09 2019-05-28 Paypal, Inc. NFC mobile wallet processing systems and methods
US8321345B2 (en) 2010-06-02 2012-11-27 Visa International Service Association Trusted internal interface
WO2012000438A1 (zh) * 2010-06-29 2012-01-05 飞天诚信科技股份有限公司 一种对电子钱包进行操作的方法
US20120143706A1 (en) * 2010-10-15 2012-06-07 Crake David A Method and System for Improved Electronic Wallet Access
AU2011348061B2 (en) 2010-12-23 2015-12-10 Paypal, Inc. Mobile phone atm processing methods and systems
US20120197787A1 (en) * 2011-01-31 2012-08-02 Bank Of America Corporation Mobile wallet experience for resolving conflicts between different financial institutions and payment vehicles
US9020431B2 (en) * 2011-03-17 2015-04-28 Blackberry Limited Methods and apparatus to obtain transaction information
US20130097078A1 (en) * 2011-10-17 2013-04-18 Shoon Ping Wong Mobile remote payment system
JP2015525383A (ja) * 2012-05-14 2015-09-03 ペイダイアント，インコーポレイテッド 取引を行うためのシステム及び方法
US9665858B1 (en) 2012-10-11 2017-05-30 Square, Inc. Cardless payment transactions with multiple users
KR101316377B1 (ko) * 2012-12-26 2013-10-08 신한카드 주식회사 결제 디바이스의 금융 칩 제어방법
US10043181B2 (en) 2013-01-15 2018-08-07 Mastercard International Incorporated Systems and methods for processing off-network transaction messages
BR112015020007A2 (pt) * 2013-02-26 2017-07-18 Visa Int Service Ass métodos e sistemas para proporcionar credenciais de pagamento
US10204331B2 (en) 2013-03-15 2019-02-12 Worldpay, Llc Conducting a transaction at a mobile POS terminal using a defined structure
US9727866B2 (en) * 2013-10-15 2017-08-08 Intuit Inc. Methods systems and computer program products for verifying consumer identity during transaction
US20160125400A1 (en) * 2014-10-31 2016-05-05 Mastercard International Incorporated Systems and methods for geo component fraud detection for card-present transactions
US11636462B2 (en) 2015-03-20 2023-04-25 Block, Inc. Context-aware peer-to-peer transfers of items
US10163083B2 (en) 2015-04-13 2018-12-25 Bank Of America Corporation Account activity management system
US10410194B1 (en) 2015-08-19 2019-09-10 Square, Inc. Customized tipping flow
US11049096B2 (en) 2015-12-31 2021-06-29 Paypal, Inc. Fault tolerant token based transaction systems
US10657529B2 (en) * 2017-10-03 2020-05-19 The Toronto-Dominion Bank System and method for clearing point-of-sale terminal pre-authorizations
CN108764895A (zh) * 2018-03-14 2018-11-06 顾馨媛 一种移动支付的增强方法

Family Cites Families (46)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6061664A (en) 1995-10-10 2000-05-09 Koninklijke Ptt Nederland N.V. System for facilitating the ordering and paying of services by means of a communication network
US6889198B2 (en) * 1998-01-30 2005-05-03 Citicorp Development Center, Inc. Method and system for tracking smart card loyalty points
US7516883B2 (en) * 1998-07-17 2009-04-14 Pluris Savings Network, Llc Financial transaction system with consumer reward and net settlement
US6549912B1 (en) * 1998-09-23 2003-04-15 Visa International Service Association Loyalty file structure for smart card
US7716080B2 (en) * 1999-06-23 2010-05-11 Signature Systems, Llc Method and system for using multi-function cards for storing, managing and aggregating reward points
US20050080727A1 (en) * 1999-06-23 2005-04-14 Richard Postrel Method and system for using reward points to liquidate products
US7729986B1 (en) * 1999-07-30 2010-06-01 Visa International Service Association Smart card transactions using wireless telecommunications network
US8095463B1 (en) * 1999-08-02 2012-01-10 Openwave Systems Inc. System and method for prepaid account replenishment
US8204828B1 (en) * 2000-03-01 2012-06-19 Cubic Corporation System and method for electronic distribution of benefits
US20020032649A1 (en) 2000-04-13 2002-03-14 Balamurugan Selvarajan High-security E-currency IDs for E-commerce transactions
US20020065716A1 (en) 2000-11-30 2002-05-30 Kuschill James E. Methods and system for processing loyalty transactions
US20040133460A1 (en) 2001-02-13 2004-07-08 Suzanne Berlin Electronic acquisition system and method using a portal to facilitate data validation and to provide a universal client interface
US7957999B2 (en) 2001-02-13 2011-06-07 American Express Travel Related Services Company, Inc. Electronic acquisition system and method
US9203923B2 (en) * 2001-08-15 2015-12-01 Qualcomm Incorporated Data synchronization interface
JP3975720B2 (ja) * 2001-10-23 2007-09-12 株式会社日立製作所 Ｉｃカード、顧客情報分析システムおよび顧客情報分析結果提供方法
FI20012406A (fi) 2001-12-05 2003-06-06 Comptel Corp Menetelmä ja järjestely transaktion prosessoimiseksi mobiilissa telekommunikaatiossa
US7356516B2 (en) * 2002-06-13 2008-04-08 Visa U.S.A. Inc. Method and system for facilitating electronic dispute resolution
US20040139021A1 (en) 2002-10-07 2004-07-15 Visa International Service Association Method and system for facilitating data access and management on a secure token
WO2005043274A2 (en) 2003-11-04 2005-05-12 Ebiz.Mobility Ltd. Universal mobile electronic commerce
KR20050062003A (ko) 2003-12-19 2005-06-23 주식회사 케이티프리텔 이동 단말기를 이용하여 모바일 승차권 서비스를 제공하는방법 및 장치
US7360691B2 (en) * 2004-02-02 2008-04-22 Matsushita Electric Industrial Co., Ltd. Secure device and mobile terminal which carry out data exchange between card applications
US7194438B2 (en) 2004-02-25 2007-03-20 Nokia Corporation Electronic payment schemes in a mobile environment for short-range transactions
CN1591439A (zh) * 2004-06-10 2005-03-09 上海正前信息科技发展有限公司 一种使用刷手机支付公共汽车交通费用的系统和方法
JP2006113747A (ja) * 2004-10-13 2006-04-27 Toshiba Corp 携帯可能電子装置
KR100656101B1 (ko) 2004-10-27 2006-12-11 케이비 테크놀러지 (주) 항공권 예약 단말기
KR100656103B1 (ko) 2004-12-10 2006-12-11 케이비 테크놀러지 (주) 티켓 예매 단말기
KR100688886B1 (ko) 2005-01-06 2007-03-02 에스케이 텔레콤주식회사 이동통신 단말기를 이용한 결제 방법 및 시스템
US7374082B2 (en) * 2005-07-13 2008-05-20 Mastercard International Incorporated Apparatus and method for integrated payment and electronic merchandise transfer
CN101258509A (zh) * 2005-07-13 2008-09-03 万事达卡国际股份有限公司 用于集成支付和电子商品转移的设备和方法
US20070099679A1 (en) * 2005-11-01 2007-05-03 Mikko Saarisalo Wireless near field communication control using device state or orientation
WO2007127188A2 (en) 2006-04-24 2007-11-08 Encryptakey, Inc. Portable device and methods for performing secure transactions
US7512567B2 (en) * 2006-06-29 2009-03-31 Yt Acquisition Corporation Method and system for providing biometric authentication at a point-of-sale via a mobile device
US9911114B2 (en) * 2006-07-06 2018-03-06 Qualcomm Incorporated Methods and systems for making a payment via a stored value card in a mobile environment
US7527208B2 (en) * 2006-12-04 2009-05-05 Visa U.S.A. Inc. Bank issued contactless payment card used in transit fare collection
US20080208681A1 (en) 2006-09-28 2008-08-28 Ayman Hammad Payment using a mobile device
US8523069B2 (en) 2006-09-28 2013-09-03 Visa U.S.A. Inc. Mobile transit fare payment
CN101083792A (zh) * 2007-06-27 2007-12-05 浙江省电信有限公司 应用于公交系统的小灵通非接触式卡小额支付系统
JP2009053766A (ja) * 2007-08-23 2009-03-12 Sony Corp 電子財布装置、通信方法、およびプログラム
WO2009042758A2 (en) * 2007-09-25 2009-04-02 Swipepay Mobile, Inc. System and method for financial transaction interoperability across multiple mobile networks
US8215560B2 (en) * 2007-09-26 2012-07-10 Visa U.S.A., Inc. Real-time card balance on card plastic
EP2295378B1 (en) * 2008-05-02 2017-12-27 Pola Chemical Industries Inc. Titania fine-particle composite and compositons containing the titania fine-particle composite
CN101571940A (zh) * 2008-08-06 2009-11-04 山东神思电子技术有限公司 基于智能公话系统实现ic卡电子支付的方法
US8408454B2 (en) 2008-09-16 2013-04-02 Visa U.S.A. Inc. Multifunctional portable consumer payment device
US20100217709A1 (en) 2008-09-22 2010-08-26 Christian Aabye Apparatus and method for preventing unauthorized access to payment application installed in contactless payment device
CN101364329A (zh) * 2008-09-23 2009-02-11 中国移动通信集团广东有限公司 基于移动通信设备的非接触公交卡类应用系统及管理方法
US8321345B2 (en) * 2010-06-02 2012-11-27 Visa International Service Association Trusted internal interface

Also Published As

Publication number Publication date
WO2011153281A3 (en) 2012-02-23
BR112012022954A2 (pt) 2018-07-31
US9846873B2 (en) 2017-12-19
US20180068296A1 (en) 2018-03-08
US8321345B2 (en) 2012-11-27
CN102804214B (zh) 2017-10-10
AU2011261490B2 (en) 2015-05-07
CN102804214A (zh) 2012-11-28
AU2011261490A1 (en) 2012-10-04
CN107609855B (zh) 2021-08-13
US9092769B2 (en) 2015-07-28
US20150149270A1 (en) 2015-05-28
US20120022973A1 (en) 2012-01-26
WO2011153281A2 (en) 2011-12-08
RU2589373C2 (ru) 2016-07-10
US20130046588A1 (en) 2013-02-21
CA2792576A1 (en) 2011-12-08
CN107609855A (zh) 2018-01-19
US10685343B2 (en) 2020-06-16

Similar Documents

Publication Publication Date Title
RU2012139267A (ru) Доверенный внутренний интерфейс
RU2014107903A (ru) Осуществление доступа к счету в пункте продажи
MX2021007111A (es) Sistema y metodos para autenticacion determinada dinamicamente, contextual, definida por el usuario y adaptativa.
GB201119375D0 (en) Financial transaction processing system and method
MX365511B (es) Metodo para controlar un sistema de comunicacion.
IN2013KO01437A (ru)
NZ587445A (en) A system and method for conducting financial transactions using a mobile device
WO2008115971A3 (en) Method, system, and apparatus for conducting a purchase transaction
WO2013036169A3 (en) User verification for electronic money transfers
WO2014130826A3 (en) Systems, apparatus and methods for mobile companion prepaid card
RU2011113671A (ru) Мобильное устройство, способ и система для выполнения платежных операций
BR0204250A (pt) Sistema e método para transações financeiras
WO2009137789A3 (en) Communication device including multi-part alias identifier
WO2009095795A3 (en) Method, device, and system for completing on-line financial transactions
RU2015154112A (ru) Кредит посредством неструктурированных вспомогательных служебных данных
RU2017115931A (ru) Обработка финансовых транзакций
WO2013055805A3 (en) Method and system for enabling use of loyalty program points as form of payment
US10102529B2 (en) Method and system for secure consumer identification
SG10201702968TA (en) A fraud monitoring apparatus
CN105741110A (zh) 一种电子支付方式及电子支付设备
US12014377B2 (en) Methods and apparatus to securely handle chip cards
CN105243541A (zh) 一种ble蓝牙与声波结合的移动支付方法及系统
EP4258200A3 (en) Method and system for obtaining credit
NZ768021A (en) Nfc tag-based data processing method and system implementing same, and tag-based payee terminal
PH12015502359A1 (en) Mobile payment system using subaccounts of account