RU2016114292A - MOBILE SYSTEMS AND METHODS - Google Patents

MOBILE SYSTEMS AND METHODS Download PDF

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RU2016114292A
RU2016114292A RU2016114292A RU2016114292A RU2016114292A RU 2016114292 A RU2016114292 A RU 2016114292A RU 2016114292 A RU2016114292 A RU 2016114292A RU 2016114292 A RU2016114292 A RU 2016114292A RU 2016114292 A RU2016114292 A RU 2016114292A
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settlement
application
purchase operation
response
server
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RU2016114292A
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Russian (ru)
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RU2672132C2 (en
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Уильям Ванг ГРЕЙЛИН
Ман Хо ЛИ
Джимми Тай Кван ТАНГ
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САМСУНГ ПЭЙ Инк.
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Priority claimed from US14/185,111 external-priority patent/US9123036B2/en
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Publication of RU2016114292A publication Critical patent/RU2016114292A/en
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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
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • 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
    • G06Q20/30—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
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • 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
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • 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
    • G06Q20/3674—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 involving authentication
    • 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
    • G06Q20/3825—Use of electronic signatures
    • 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
    • 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
    • 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
    • G06Q20/409—Device specific authentication in transaction processing
    • 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
    • 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
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W88/00—Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
    • H04W88/02—Terminal devices
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Signal Processing (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Telephonic Communication Services (AREA)

Claims (30)

1. Расчетная система, осуществляемая на мобильном устройстве связи и включающая в себя приложение магазина или приложение браузера, доступные на мобильном устройстве связи и адаптированные для обеспечения пользователя возможностью выбора товаров продавца для покупки, в том числе:1. A settlement system implemented on a mobile communication device and including a store application or a browser application, accessible on a mobile communication device and adapted to provide the user with the ability to select seller goods for purchase, including: процессор связи, взаимодействующий с расчетным сервером, который размещает один или более программных интерфейсов расчетных интернет-приложений веб-служб (API), адаптированных к взаимодействию с мобильным устройством связи;a communication processor interacting with a settlement server that hosts one or more software interfaces of settlement Internet applications of web services (APIs) adapted to interact with a mobile communication device; расчетное приложение, установленное на мобильном устройстве связи и адаптированное к:settlement application installed on a mobile communication device and adapted to: запуску в ответ на получение информации об операции покупки;launch in response to receiving information about the purchase operation; взаимодействию с расчетным сервером и обеспечению завершения операции покупки расчетным сервером;interaction with the settlement server and ensuring the completion of the purchase operation by the settlement server; перезапуску приложения магазина или приложения браузера после того, как операция завершена.restarting the store application or browser application after the operation is completed. 2. Расчетная система по п. 1, в которой расчетный сервер создает расчетный токен, идентифицирующий операцию покупки, в ответ на инициализацию операции покупки пользователем.2. The settlement system according to claim 1, wherein the settlement server creates a settlement token identifying the purchase operation in response to the initialization of the purchase operation by the user. 3. Расчетная система по п. 2, в которой расчетный сервер направляет расчетный токен в адрес приложения магазина или приложения браузера.3. The settlement system according to claim 2, in which the settlement server sends the settlement token to the address of the store application or browser application. 4. Расчетная система по п. 3, в которой расчетный сервер получает расчетный токен от приложения магазина или приложения браузера.4. The settlement system according to claim 3, in which the settlement server receives the settlement token from the store application or the browser application. 5. Расчетная система по п. 4, в которой расчетное приложение выполняет аутентификацию пользователя.5. The settlement system according to claim 4, in which the settlement application authenticates the user. 6. Расчетная система по п. 5, в которой расчетное приложение подтверждает операцию покупки с помощью расчетного сервера в ответ на аутентификацию пользователя.6. The settlement system according to claim 5, in which the settlement application confirms the purchase operation using the settlement server in response to user authentication. 7. Расчетная система по п. 6, в которой расчетное приложение направляет расчетный токен и результаты операции покупки в адрес приложения магазина или приложения браузера в процессе перезапуска приложения магазина или приложения браузера.7. The settlement system according to claim 6, in which the settlement application sends the settlement token and the results of the purchase operation to the store application or browser application in the process of restarting the store application or browser application. 8. Расчетная система по п. 7, в которой приложение магазина или приложение браузера отображает страницу с результатами операции покупки в ответ на его перезапуск.8. The settlement system according to claim 7, in which the store application or browser application displays a page with the results of the purchase operation in response to restarting it. 9. Расчетная система по п. 1, в которой расчетный сервер завершает операцию покупки посредством ее направления в адрес оператора платежной системы.9. The settlement system according to claim 1, in which the settlement server completes the purchase operation by sending it to the payment system operator. 10. Расчетная система по п. 1, в которой расчетное приложение адаптировано к получению платежной информации пользователя со считывателя магнитной полосы, взаимодействующего с мобильным устройством связи.10. The settlement system according to claim 1, in which the settlement application is adapted to receive payment information of a user from a magnetic stripe reader interacting with a mobile communication device. 11. Расчетная система по п. 1, в которой расчетное приложение адаптировано к его запуску в ответ на получение информации об операции покупки из приложения магазина или приложения браузера.11. The settlement system according to claim 1, wherein the settlement application is adapted to be launched in response to receiving information about a purchase operation from a store application or a browser application. 12. Расчетная система по п. 1, в которой расчетное приложение адаптировано к его запуску в ответ на получение информации об операции покупки с расчетного сервера.12. The settlement system according to claim 1, in which the settlement application is adapted to be launched in response to receiving information about a purchase operation from the settlement server. 13. Расчетная система по п. 1, в которой расчетное приложение адаптировано к его запуску в ответ на получение информации об операции покупки с расчетного сервера посредством PUSH-уведомления, сообщения электронной почты или службы коротких сообщений.13. The settlement system according to claim 1, wherein the settlement application is adapted to be launched in response to receiving information about a purchase operation from the settlement server by means of a PUSH notification, e-mail message, or short message service. 14. Расчетная система по п. 1, в которой расчетное приложение адаптировано к его запуску в ответ на получение информации об операции покупки посредством QR-кода, демонстрируемого на мобильном устройстве связи.14. The settlement system according to claim 1, wherein the settlement application is adapted to be launched in response to receiving information about a purchase operation by means of a QR code displayed on a mobile communication device. 15. Способ, включающий:15. The method comprising: предоставление пользователю возможности просматривать и выбирать товары продавца посредством первого приложения или браузера;giving the user the ability to view and select seller’s products through the first application or browser; запуск расчетного приложения, установленного на мобильном устройстве связи, в ответ на получение расчетным приложением информации об операции покупки;launching a settlement application installed on a mobile communication device in response to receipt by the settlement application of information about a purchase operation; получение расчетным приложением расчетного токена, идентифицирующего операцию покупки, созданной расчетным сервером;receiving by the settlement application of the settlement token identifying the purchase operation created by the settlement server; взаимодействие расчетного приложения с расчетным сервером с целью обеспечения завершения операции покупки расчетным сервером; иinteraction of the settlement application with the settlement server in order to ensure the completion of the purchase operation by the settlement server; and перезапуск первого приложения или браузера в ответ на завершение операции покупки.restarting the first application or browser in response to the completion of the purchase operation. 16. Способ по п. 15, в котором получение расчетного токена включает в себя его получение от первого приложения или от приложения браузера.16. The method of claim 15, wherein obtaining the settlement token includes receiving it from the first application or from a browser application. 17. Способ по п. 15, дополнительно включающий в себя аутентификацию пользователя расчетным приложением до момента его соединения с расчетным сервером.17. The method according to p. 15, further comprising authenticating the user with the settlement application until it is connected to the settlement server. 18. Способ по п. 15, дополнительно включающий в себя получение расчетным приложением пользовательской платежной информации со считывателя магнитной полосы, взаимодействующего с мобильным устройством связи.18. The method according to p. 15, further comprising receiving a payment application user payment information from a magnetic stripe reader interacting with a mobile communication device. 19. Способ по п. 15, в котором запуск расчетного приложения включает в себя запуск расчетного приложения в ответ на получение информации об операции покупки с расчетного сервера посредством PUSH-уведомления, сообщения электронной почты или службы коротких сообщений.19. The method according to p. 15, in which the launch of the settlement application includes the launch of the settlement application in response to receiving information about the purchase operation from the settlement server via a PUSH notification, e-mail message or short message service. 20. Способ по п. 15, в котором запуск расчетного приложения включает в себя запуск расчетного приложения в ответ на получение информации об операции покупки посредством QR-кода, демонстрируемого на мобильном устройстве связи.20. The method according to p. 15, in which the launch of the settlement application includes the launch of the settlement application in response to receiving information about the purchase operation by means of a QR code displayed on a mobile communication device.
RU2016114292A 2014-02-20 2015-02-13 Systems and methods of mobile payments RU2672132C2 (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US14/185,111 US9123036B2 (en) 2013-03-01 2014-02-20 Mobile checkout systems and methods
US14/185,111 2014-02-20
PCT/US2015/015879 WO2015126755A1 (en) 2014-02-20 2015-02-13 Mobile checkout systems and methods

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RU2016114292A true RU2016114292A (en) 2017-10-18
RU2672132C2 RU2672132C2 (en) 2018-11-12

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EP (1) EP3033723A4 (en)
JP (1) JP6074547B2 (en)
KR (2) KR101775298B1 (en)
CN (1) CN105051768A (en)
AU (1) AU2015219278B2 (en)
CA (1) CA2924593C (en)
HK (1) HK1215978A1 (en)
RU (1) RU2672132C2 (en)
SG (1) SG11201606849XA (en)
WO (1) WO2015126755A1 (en)

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