WO2004053640A3 - System and method for mobile payment and fulfilment digital goods - Google Patents

System and method for mobile payment and fulfilment digital goods Download PDF

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Publication number
WO2004053640A3
WO2004053640A3 PCT/US2003/038692 US0338692W WO2004053640A3 WO 2004053640 A3 WO2004053640 A3 WO 2004053640A3 US 0338692 W US0338692 W US 0338692W WO 2004053640 A3 WO2004053640 A3 WO 2004053640A3
Authority
WO
Grant status
Application
Patent type
Prior art keywords
payment card
server
payment
communication device
fulfilment
Prior art date
Application number
PCT/US2003/038692
Other languages
French (fr)
Other versions
WO2004053640A2 (en )
Inventor
Scott Goldhwaite
William Graylin
Original Assignee
Scott Goldhwaite
William Graylin
Way Systems 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

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/10Mechanisms 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
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/12Payment architectures specially adapted for electronic shopping systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/0806Details of the card
    • G07F7/0813Specific details related to card security
    • G07F7/082Features insuring the integrity of the data on or in the card
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/10Mechanisms 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
    • G07F7/1025Identification of user by a PIN code

Abstract

An electronic payment and fulfillment system utilized by a customer for purchasing a digital good includes a merchant server 104, a payment server 106, an authentication server 107, a fulfillment server 180 and a communication device 110. The communication device 110 includes a payment card module and the payment card module receives a payment card 190 and reads payment card identification information stored in the payment card. The communication device 110 transmits the payment card identification information to the payment server 106 and then receives the digital good from the fulfillment server 180 and stores it onto the payment card 190. Communications from and to the communication device 110 pass through the authentication server 107.
PCT/US2003/038692 2002-12-06 2003-12-05 System and method for mobile payment and fulfilment digital goods WO2004053640A3 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
US43156702 true 2002-12-06 2002-12-06
US60/431,567 2002-12-06

Publications (2)

Publication Number Publication Date
WO2004053640A2 true WO2004053640A2 (en) 2004-06-24
WO2004053640A3 true true WO2004053640A3 (en) 2006-08-10

Family

ID=32507754

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2003/038692 WO2004053640A3 (en) 2002-12-06 2003-12-05 System and method for mobile payment and fulfilment digital goods

Country Status (1)

Country Link
WO (1) WO2004053640A3 (en)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8538845B2 (en) 2011-06-03 2013-09-17 Mozido, Llc Monetary transaction system
US9208488B2 (en) 2011-11-21 2015-12-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers

Families Citing this family (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100677344B1 (en) * 2004-07-29 2007-02-02 엘지전자 주식회사 Message for processing ro and ro processing method and system thehreby
DE102004043789A1 (en) * 2004-09-08 2006-03-23 Vodafone Holding Gmbh Apparatus and method for limiting a payment operation with a cellular network
US20070106564A1 (en) * 2005-11-04 2007-05-10 Utiba Pte Ltd. Mobile phone as a point of sale (POS) device
US7698220B2 (en) 2006-09-14 2010-04-13 E2Interactive, Inc. Virtual terminal for payment processing
US9195980B2 (en) * 2009-10-30 2015-11-24 Nokia Technologies Oy Method and apparatus for recovery during authentication
US9489669B2 (en) 2010-12-27 2016-11-08 The Western Union Company Secure contactless payment systems and methods
US8770478B2 (en) 2013-07-11 2014-07-08 Scvngr, Inc. Payment processing with automatic no-touch mode selection

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020077993A1 (en) * 2000-12-18 2002-06-20 Nokia Corporation Method and system for conducting wireless payments
US20020152179A1 (en) * 2000-10-27 2002-10-17 Achiezer Racov Remote payment method and system
US20020165831A1 (en) * 2000-03-31 2002-11-07 Michael Horn Electronic payment method and system for carrying out the same
US20030208444A1 (en) * 2002-05-06 2003-11-06 Hermann Sauer Payment system and method

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020165831A1 (en) * 2000-03-31 2002-11-07 Michael Horn Electronic payment method and system for carrying out the same
US20020152179A1 (en) * 2000-10-27 2002-10-17 Achiezer Racov Remote payment method and system
US20020077993A1 (en) * 2000-12-18 2002-06-20 Nokia Corporation Method and system for conducting wireless payments
US20030208444A1 (en) * 2002-05-06 2003-11-06 Hermann Sauer Payment system and method

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8538845B2 (en) 2011-06-03 2013-09-17 Mozido, Llc Monetary transaction system
US9208488B2 (en) 2011-11-21 2015-12-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers

Also Published As

Publication number Publication date Type
WO2004053640A2 (en) 2004-06-24 application

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