SG10201701882YA - Customer-initiated payment system and process - Google Patents
Customer-initiated payment system and processInfo
- Publication number
- SG10201701882YA SG10201701882YA SG10201701882YA SG10201701882YA SG10201701882YA SG 10201701882Y A SG10201701882Y A SG 10201701882YA SG 10201701882Y A SG10201701882Y A SG 10201701882YA SG 10201701882Y A SG10201701882Y A SG 10201701882YA SG 10201701882Y A SG10201701882Y A SG 10201701882YA
- Authority
- SG
- Singapore
- Prior art keywords
- customer
- token
- transaction
- merchant
- electronic device
- Prior art date
Links
- 238000000034 method Methods 0.000 title abstract 4
- 230000003287 optical effect Effects 0.000 abstract 2
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
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by 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
- G06Q20/32—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
-
- 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
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
-
- 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
Abstract
CUSTOMER-INITIATED PAYMENT SYSTEM AND PROCESS A customer-initiated payment system, including: an electronic device of a customer, the electronic device including random access memory, non-volatile storage, a display, one or more interfaces to respective communications networks, and at least one processor configured to: process, in response to input from the customer, a digital image of a machine- readable optical code of a merchant to determine corresponding merchant information and transaction information encoded in the machine-readable optical code; access a digital wallet of the customer’s electronic device to determine a token that identifies a financial transaction account of the customer; process the determined information and token to generate a transaction request message representing an identifier of the merchant, a transaction amount, and the token of the customer; and send the transaction request message to a token server to request a financial transaction involving payment of the transaction amount from the financial transaction account of the customer to a financial transaction account of the merchant. Figure 2
Priority Applications (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
SG10201701882YA SG10201701882YA (en) | 2017-03-08 | 2017-03-08 | Customer-initiated payment system and process |
PCT/SG2018/050102 WO2018164638A1 (en) | 2017-03-08 | 2018-03-05 | Customer-initiated payment system and process |
US16/491,807 US20200342438A1 (en) | 2017-03-08 | 2018-03-05 | Customer-initiated payment system and process |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
SG10201701882YA SG10201701882YA (en) | 2017-03-08 | 2017-03-08 | Customer-initiated payment system and process |
Publications (1)
Publication Number | Publication Date |
---|---|
SG10201701882YA true SG10201701882YA (en) | 2018-10-30 |
Family
ID=61656291
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
SG10201701882YA SG10201701882YA (en) | 2017-03-08 | 2017-03-08 | Customer-initiated payment system and process |
Country Status (3)
Country | Link |
---|---|
US (1) | US20200342438A1 (en) |
SG (1) | SG10201701882YA (en) |
WO (1) | WO2018164638A1 (en) |
Families Citing this family (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US11392920B1 (en) | 2018-12-28 | 2022-07-19 | United Services Automobile Association (Usaa) | Smartphone application for securing purchase transactions between a customer and a merchant with self-checkout |
CN110599156A (en) * | 2019-08-08 | 2019-12-20 | 威富通科技有限公司 | Money collection method, money collection device, terminal equipment and medium |
CN111461736A (en) * | 2019-11-26 | 2020-07-28 | 四川广聚其力电子科技有限公司 | Concrete test block anti-counterfeiting management system and method |
US11640593B2 (en) * | 2020-05-20 | 2023-05-02 | Stripe, Inc. | System and method for vending machine |
Family Cites Families (15)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US9672510B2 (en) * | 2008-01-18 | 2017-06-06 | Mitek Systems, Inc. | Systems and methods for automatic image capture and processing of documents on a mobile device |
US7593873B1 (en) * | 2008-03-05 | 2009-09-22 | United Services Automobile Association (Usaa) | Systems and methods for price searching and customer self-checkout using a mobile device |
US20090240598A1 (en) * | 2008-03-24 | 2009-09-24 | Kargman James B | Method and apparatus for automated ordering and payment |
US9400978B2 (en) * | 2010-04-09 | 2016-07-26 | Paypal, Inc. | Methods and systems for selecting accounts and offers in payment transactions |
US8380177B2 (en) * | 2010-04-09 | 2013-02-19 | Paydiant, Inc. | Mobile phone payment processing methods and systems |
US10121133B2 (en) * | 2010-10-13 | 2018-11-06 | Walmart Apollo, Llc | Method for self-checkout with a mobile device |
CN111476654B (en) * | 2010-12-23 | 2024-03-12 | 贝宝公司 | Mobile telephone ATM processing method and system |
BR112013021059A2 (en) * | 2011-02-16 | 2020-10-27 | Visa International Service Association | Snap mobile payment systems, methods and devices |
CA2858691A1 (en) * | 2011-12-09 | 2013-06-13 | Merchantwarehouse.Com, Llc | Payment processing and customer engagement platform methods, apparatuses and media |
US11080701B2 (en) * | 2015-07-02 | 2021-08-03 | Royal Bank Of Canada | Secure processing of electronic payments |
GB201302993D0 (en) * | 2013-02-20 | 2013-04-03 | Barclays Bank Plc | Application, method and system for purchasing a product |
CN105580038A (en) * | 2013-07-24 | 2016-05-11 | 维萨国际服务协会 | Systems and methods for interoperable network token processing |
SG10201501246TA (en) * | 2015-02-17 | 2016-09-29 | Mastercard Asia Pacific Pte Ltd | Methods and systems for processing an electronic payment |
US10963881B2 (en) * | 2015-05-21 | 2021-03-30 | Mastercard International Incorporated | Method and system for fraud control of blockchain-based transactions |
US20170024733A1 (en) * | 2015-07-20 | 2017-01-26 | Thomas Purves | Seamless transaction minimizing user input |
-
2017
- 2017-03-08 SG SG10201701882YA patent/SG10201701882YA/en unknown
-
2018
- 2018-03-05 US US16/491,807 patent/US20200342438A1/en not_active Abandoned
- 2018-03-05 WO PCT/SG2018/050102 patent/WO2018164638A1/en active Application Filing
Also Published As
Publication number | Publication date |
---|---|
WO2018164638A1 (en) | 2018-09-13 |
US20200342438A1 (en) | 2020-10-29 |
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