US20180150816A1 - Mobile Payment System - Google Patents

Mobile Payment System Download PDF

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Publication number
US20180150816A1
US20180150816A1 US15/365,598 US201615365598A US2018150816A1 US 20180150816 A1 US20180150816 A1 US 20180150816A1 US 201615365598 A US201615365598 A US 201615365598A US 2018150816 A1 US2018150816 A1 US 2018150816A1
Authority
US
United States
Prior art keywords
consumer
processor
device identifier
transaction
pos terminal
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.)
Abandoned
Application number
US15/365,598
Other languages
English (en)
Inventor
Hong Liu
Keshav A. Narsipur
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.)
American Express Travel Related Services Co Inc
Original Assignee
American Express Travel Related Services Co Inc
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 American Express Travel Related Services Co Inc filed Critical American Express Travel Related Services Co Inc
Priority to US15/365,598 priority Critical patent/US20180150816A1/en
Assigned to AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. reassignment AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: LIU, HONG
Assigned to AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. reassignment AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: NARSIPUR, KESHAV A.
Priority to EP17877318.0A priority patent/EP3549083B1/en
Priority to CA3045611A priority patent/CA3045611C/en
Priority to PCT/US2017/057438 priority patent/WO2018102044A1/en
Priority to AU2017367826A priority patent/AU2017367826A1/en
Priority to CN201780073837.0A priority patent/CN110023978A/zh
Priority to MX2019006226A priority patent/MX2019006226A/es
Publication of US20180150816A1 publication Critical patent/US20180150816A1/en
Priority to AU2021202583A priority patent/AU2021202583A1/en
Abandoned legal-status Critical Current

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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
    • G06Q20/08—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
    • G06Q20/08—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
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Mobile Radio Communication Systems (AREA)
US15/365,598 2016-11-30 2016-11-30 Mobile Payment System Abandoned US20180150816A1 (en)

Priority Applications (8)

Application Number Priority Date Filing Date Title
US15/365,598 US20180150816A1 (en) 2016-11-30 2016-11-30 Mobile Payment System
MX2019006226A MX2019006226A (es) 2016-11-30 2017-10-19 Sistema de pago movil.
CN201780073837.0A CN110023978A (zh) 2016-11-30 2017-10-19 移动支付系统
PCT/US2017/057438 WO2018102044A1 (en) 2016-11-30 2017-10-19 Mobile payment system
CA3045611A CA3045611C (en) 2016-11-30 2017-10-19 Mobile payment system
EP17877318.0A EP3549083B1 (en) 2016-11-30 2017-10-19 Mobile payment system
AU2017367826A AU2017367826A1 (en) 2016-11-30 2017-10-19 Mobile payment system
AU2021202583A AU2021202583A1 (en) 2016-11-30 2021-04-27 Mobile payment system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US15/365,598 US20180150816A1 (en) 2016-11-30 2016-11-30 Mobile Payment System

Publications (1)

Publication Number Publication Date
US20180150816A1 true US20180150816A1 (en) 2018-05-31

Family

ID=62193298

Family Applications (1)

Application Number Title Priority Date Filing Date
US15/365,598 Abandoned US20180150816A1 (en) 2016-11-30 2016-11-30 Mobile Payment System

Country Status (7)

Country Link
US (1) US20180150816A1 (es)
EP (1) EP3549083B1 (es)
CN (1) CN110023978A (es)
AU (2) AU2017367826A1 (es)
CA (1) CA3045611C (es)
MX (1) MX2019006226A (es)
WO (1) WO2018102044A1 (es)

Cited By (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20180189769A1 (en) * 2016-12-29 2018-07-05 Paypal, Inc. Electronic identification and authentication system
US20180293556A1 (en) * 2017-04-05 2018-10-11 Samsung Sds Co., Ltd. Method and system for processing blockchain-based real-time transaction
US20180322489A1 (en) * 2017-05-03 2018-11-08 Meredith Altenhofen System and method for restricted transaction processing
US20190087814A1 (en) * 2014-11-17 2019-03-21 Idemia France Method for securing a payment token
US20190230114A1 (en) * 2018-01-22 2019-07-25 Avaya Inc. Methods and devices for detecting denial of service attacks in secure interactions
US20200005267A1 (en) * 2018-06-29 2020-01-02 Christopher Paul SIEFKEN Point of sale terminal system and multi terminal network
US11087396B1 (en) * 2016-12-16 2021-08-10 Wells Fargo Bank, N.A. Context aware predictive activity evaluation
US20210264459A1 (en) * 2018-07-19 2021-08-26 Asia Top Loyalty Limited A method of loyalty exchange transaction by using blockchain for reward point exchange
WO2022093218A1 (en) * 2020-10-28 2022-05-05 Visa International Service Association Virtual terminal
US11328276B2 (en) * 2018-06-21 2022-05-10 Mastercard International Incorporated Electronic system and method for transaction processing

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11055710B2 (en) * 2013-05-02 2021-07-06 Visa International Service Association Systems and methods for verifying and processing transactions using virtual currency
RU2694138C1 (ru) * 2018-07-03 2019-07-09 Некоммерческая организация "Фонд - оператор программы финансового содействия инновационным проектам Фонда "Сколково" Способ ускоренной передачи данных с сохранением и защитой
CN113065857A (zh) * 2021-04-25 2021-07-02 青岛海链数字科技有限公司 支付过程中的数据处理方法、装置、设备、介质及产品

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20090307133A1 (en) * 2005-06-17 2009-12-10 Daniel Lee Holloway Online Payment System for Merchants
US20150324788A1 (en) * 2013-03-01 2015-11-12 Looppay, Inc. Mobile checkout systems and methods
US20160180320A1 (en) * 2014-12-22 2016-06-23 Apriva, Llc System and method for facilitating an online transaction with a second mobile device
US20170337542A1 (en) * 2015-02-27 2017-11-23 Samsung Electronics Co., Ltd. Payment means operation supporting method and electronic device for supporting the same

Family Cites Families (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101454794A (zh) * 2006-03-30 2009-06-10 奥博佩公司 移动的个人之间支付系统
US9129269B2 (en) * 2010-02-02 2015-09-08 Xia Dai Secured point-of-sale transaction system
US20120173325A1 (en) * 2011-01-04 2012-07-05 Rajul Johri Using mobile devices to make secure and reliable payments for Title of Invention store or online purchases
WO2013049213A1 (en) * 2011-09-26 2013-04-04 Cubic Corporation Personal point of sale
US20130282588A1 (en) * 2012-04-22 2013-10-24 John Hruska Consumer, Merchant and Mobile Device Specific, Real-Time Dynamic Tokenization Activation within a Secure Mobile-Wallet Financial Transaction System
CA2899022A1 (en) * 2013-01-23 2014-07-31 Cardinalcommerce Corporation Framed implementation for payment widgets
US9022285B2 (en) * 2013-03-01 2015-05-05 Looppay, Inc. System and method for securely loading, storing and transmitting magnetic stripe date in a device working with a mobile wallet system
US10198728B2 (en) * 2013-05-15 2019-02-05 Visa International Service Association Methods and systems for provisioning payment credentials
US10181117B2 (en) * 2013-09-12 2019-01-15 Intel Corporation Methods and arrangements for a personal point of sale device

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20090307133A1 (en) * 2005-06-17 2009-12-10 Daniel Lee Holloway Online Payment System for Merchants
US20150324788A1 (en) * 2013-03-01 2015-11-12 Looppay, Inc. Mobile checkout systems and methods
US20160180320A1 (en) * 2014-12-22 2016-06-23 Apriva, Llc System and method for facilitating an online transaction with a second mobile device
US20170337542A1 (en) * 2015-02-27 2017-11-23 Samsung Electronics Co., Ltd. Payment means operation supporting method and electronic device for supporting the same

Cited By (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20190087814A1 (en) * 2014-11-17 2019-03-21 Idemia France Method for securing a payment token
US11087396B1 (en) * 2016-12-16 2021-08-10 Wells Fargo Bank, N.A. Context aware predictive activity evaluation
US20180189769A1 (en) * 2016-12-29 2018-07-05 Paypal, Inc. Electronic identification and authentication system
US10515353B2 (en) * 2016-12-29 2019-12-24 Paypal, Inc. Electronic identification and authentication system
US11580526B2 (en) 2016-12-29 2023-02-14 Paypal, Inc. Electronic identification and authentication system
US20180293556A1 (en) * 2017-04-05 2018-10-11 Samsung Sds Co., Ltd. Method and system for processing blockchain-based real-time transaction
US10762479B2 (en) * 2017-04-05 2020-09-01 Samsung Sds Co., Ltd. Method and system for processing blockchain-based real-time transaction
US20180322489A1 (en) * 2017-05-03 2018-11-08 Meredith Altenhofen System and method for restricted transaction processing
US20190230114A1 (en) * 2018-01-22 2019-07-25 Avaya Inc. Methods and devices for detecting denial of service attacks in secure interactions
US11108811B2 (en) * 2018-01-22 2021-08-31 Avaya Inc. Methods and devices for detecting denial of service attacks in secure interactions
US11328276B2 (en) * 2018-06-21 2022-05-10 Mastercard International Incorporated Electronic system and method for transaction processing
US20220230152A1 (en) * 2018-06-21 2022-07-21 MasterCard International Incorported Electronic system and method for transaction processing
US11741446B2 (en) * 2018-06-21 2023-08-29 Mastercard International Incorporated Electronic system and method for transaction processing
US11328278B2 (en) * 2018-06-29 2022-05-10 Xenial, Inc. Point of sale terminal system and multi terminal network
US20200005267A1 (en) * 2018-06-29 2020-01-02 Christopher Paul SIEFKEN Point of sale terminal system and multi terminal network
US20210264459A1 (en) * 2018-07-19 2021-08-26 Asia Top Loyalty Limited A method of loyalty exchange transaction by using blockchain for reward point exchange
WO2022093218A1 (en) * 2020-10-28 2022-05-05 Visa International Service Association Virtual terminal

Also Published As

Publication number Publication date
WO2018102044A1 (en) 2018-06-07
MX2019006226A (es) 2019-08-21
EP3549083A4 (en) 2020-08-05
CA3045611C (en) 2024-03-26
CN110023978A (zh) 2019-07-16
AU2017367826A1 (en) 2019-06-13
EP3549083B1 (en) 2024-05-08
CA3045611A1 (en) 2018-06-07
EP3549083A1 (en) 2019-10-09
AU2021202583A1 (en) 2021-05-27

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AS Assignment

Owner name: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY,

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:LIU, HONG;REEL/FRAME:040471/0484

Effective date: 20161128

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Owner name: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY,

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:NARSIPUR, KESHAV A.;REEL/FRAME:040838/0764

Effective date: 20161211

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