WO2009003605A3 - Virtuelle prepaid- oder kreditkarte und verfahren und system zur bereitstellung einer solchen und zum elektronischen zahlungsverkehr - Google Patents
Virtuelle prepaid- oder kreditkarte und verfahren und system zur bereitstellung einer solchen und zum elektronischen zahlungsverkehr Download PDFInfo
- Publication number
- WO2009003605A3 WO2009003605A3 PCT/EP2008/005057 EP2008005057W WO2009003605A3 WO 2009003605 A3 WO2009003605 A3 WO 2009003605A3 EP 2008005057 W EP2008005057 W EP 2008005057W WO 2009003605 A3 WO2009003605 A3 WO 2009003605A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- credit card
- providing
- virtual prepaid
- holder
- electronic payment
- Prior art date
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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0603—Catalogue ordering
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
- G06Q20/34—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
- G06Q20/351—Virtual 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
- G06Q20/38—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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Abstract
Virtuelle Prepaid- oder Kreditkarte, als Datensatz, frei von einem physischen Substrat, wobei die Daten dazu ausgebildet sind, einen Inhaber zu autorisieren, der in ihrem Besitz ist, für ein Produkt oder einen Dienst zu zahlen, insbesondere im Rahmen einer Online-Transaktion, oder Bargeld zu erhalten, wobei der Datensatz auf der Basis eines Kreditkartenkontos oder einer Vorab-Zahlung auf ein Systemkonto und im Ansprechen auf ein im Ergebnis einer Registrierungsprozedur des Inhabers ausgegebenes Steuersignal erzeugt wird, wobei der Datensatz an einem Telekommunikations-Endgerät, insbesondere einem Mobiltelefon, des registrierten Inhabers zur Anzeige und zum Versenden verfügbar ist.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP08773592A EP2174281A2 (de) | 2007-06-29 | 2008-06-23 | Virtuelle prepaid- oder kreditkarte und verfahren und system zur bereitstellung einer solchen und zum elektronischen zahlungsverkehr |
Applications Claiming Priority (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
DE102007030114.8 | 2007-06-29 | ||
DE102007030114 | 2007-06-29 | ||
DE102007048976A DE102007048976A1 (de) | 2007-06-29 | 2007-10-12 | Virtuelle Prepaid- oder Kreditkarte und Verfahren und System zur Bereitstellung einer solchen und zum elektronischen Zahlungsverkehr |
DE102007048976.7 | 2007-10-12 |
Publications (3)
Publication Number | Publication Date |
---|---|
WO2009003605A2 WO2009003605A2 (de) | 2009-01-08 |
WO2009003605A3 true WO2009003605A3 (de) | 2009-07-09 |
WO2009003605A9 WO2009003605A9 (de) | 2009-10-29 |
Family
ID=40076103
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/EP2008/005057 WO2009003605A2 (de) | 2007-06-29 | 2008-06-23 | Virtuelle prepaid- oder kreditkarte und verfahren und system zur bereitstellung einer solchen und zum elektronischen zahlungsverkehr |
Country Status (4)
Country | Link |
---|---|
US (1) | US20090006254A1 (de) |
EP (1) | EP2174281A2 (de) |
DE (1) | DE102007048976A1 (de) |
WO (1) | WO2009003605A2 (de) |
Families Citing this family (46)
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US8736615B2 (en) | 2006-04-27 | 2014-05-27 | Codebroker, Llc | Customizing barcode images for particular displays |
US8165635B2 (en) * | 2006-09-01 | 2012-04-24 | Vivotech, Inc. | Methods, systems, and computer readable media for over the air (OTA) provisioning of soft cards on devices with wireless communications capabilities |
US11195163B2 (en) | 2006-09-01 | 2021-12-07 | Mastercard International Incorporated | Methods, systems and computer readable media for over the air (OTA) provisioning of soft cards on devices with wireless communications capabilities |
DE102007003597A1 (de) * | 2007-01-24 | 2008-07-31 | Voice Trust Ag | Verfahren und Anordnung zur Erzeugung eines signierten Text- und/oder Bilddokuments |
US8746581B2 (en) | 2007-06-19 | 2014-06-10 | Codebroker, Llc | Techniques for providing an electronic representation of a card |
US20090248583A1 (en) * | 2008-03-31 | 2009-10-01 | Jasmeet Chhabra | Device, system, and method for secure online transactions |
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CN104603809B (zh) * | 2012-04-16 | 2019-07-05 | 盐技术股份有限公司 | 在移动设备上使用虚拟卡促进交易的系统和方法 |
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SE536684C2 (sv) * | 2012-11-16 | 2014-05-20 | Mobile Payment Solutions Holding Nordic Ab | Förfarande för att köpa en produkt med hjälp av en bärbar kommunikationsenhet |
US20150199683A1 (en) * | 2013-09-25 | 2015-07-16 | Global Ödeme Sistemleri Anonim Sirketi | Online shopping system and method with cash |
US10861090B2 (en) * | 2013-11-27 | 2020-12-08 | Apple Inc. | Provisioning of credentials on an electronic device using passwords communicated over verified channels |
CN104618416B (zh) * | 2014-03-13 | 2018-04-03 | 腾讯科技(深圳)有限公司 | 信用账户创建方法、装置及系统 |
US20150262291A1 (en) * | 2014-03-17 | 2015-09-17 | Comenity Llc | Apply and buy with a co-branded virtual card |
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US10304042B2 (en) | 2014-11-06 | 2019-05-28 | Early Warning Services, Llc | Location-based authentication of transactions conducted using mobile devices |
US10157397B2 (en) | 2014-12-29 | 2018-12-18 | Comenity Llc | Collecting and analyzing data from a mobile device |
US10423976B2 (en) | 2014-12-29 | 2019-09-24 | Comenity Llc | Collecting and analyzing data for targeted offers |
US11170379B2 (en) * | 2015-02-13 | 2021-11-09 | Visa International Service Association | Peer forward authorization of digital requests |
US11176231B2 (en) | 2016-05-19 | 2021-11-16 | Payfone, Inc. | Identifying and authenticating users based on passive factors determined from sensor data |
US10210685B2 (en) | 2017-05-23 | 2019-02-19 | Mastercard International Incorporated | Voice biometric analysis systems and methods for verbal transactions conducted over a communications network |
JP6978898B2 (ja) * | 2017-11-01 | 2021-12-08 | シャープ株式会社 | 情報処理装置、情報処理システム、制御プログラムおよび制御方法 |
CN108347441B (zh) * | 2018-02-08 | 2019-06-25 | 深圳壹账通智能科技有限公司 | 支付处理方法、装置、计算机设备和存储介质 |
CN109255621B (zh) * | 2018-09-30 | 2022-03-11 | 中国银行股份有限公司 | 一种信息处理方法及系统 |
US11128638B2 (en) * | 2019-01-30 | 2021-09-21 | Rsa Security Llc | Location assurance using location indicators modified by shared secrets |
US11126703B2 (en) | 2019-05-03 | 2021-09-21 | EMC IP Holding Company LLC | Identity assurance using posture profiles |
US10497372B1 (en) * | 2019-07-18 | 2019-12-03 | Capital One Services, Llc | Voice-assistant activated virtual card replacement |
CN113409041B (zh) * | 2020-03-17 | 2023-08-04 | 华为技术有限公司 | 一种电子卡的选取方法、装置、终端以及存储介质 |
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DE19940448A1 (de) * | 1999-08-25 | 2001-03-01 | Nt Innovation Ohg I Gr | Verfahren und Vorrichtung zur Ausgabe virtueller Wertmarken |
EP1150482A2 (de) * | 2000-04-28 | 2001-10-31 | Cardmaxx.de AG | Verfahren und Vorrichtung zur elektronischen Distribution von virtuellen Mobilfunk-Prepaid-Karten |
WO2001095546A2 (en) * | 2000-06-05 | 2001-12-13 | Wirca, Inc. | A method for wireless telephony payment and an apparatus therefor |
EP1172770A1 (de) * | 2000-07-10 | 2002-01-16 | Michael Kramer | Verfahren und System zur Authentifizierung eines Teilnehmers an einem Geschäftsvorgang |
EP1172771A1 (de) * | 2000-07-14 | 2002-01-16 | Michael Kramer | Verfahren und System zur Autorisierung einer kommerziellen Transaktion |
GB2371665A (en) * | 2001-01-25 | 2002-07-31 | Lets Guard It Europ Ab | Call-back function provides a user with an authorisation code for accessing a service |
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2007
- 2007-10-12 DE DE102007048976A patent/DE102007048976A1/de not_active Ceased
-
2008
- 2008-01-07 US US11/970,088 patent/US20090006254A1/en not_active Abandoned
- 2008-06-23 EP EP08773592A patent/EP2174281A2/de not_active Withdrawn
- 2008-06-23 WO PCT/EP2008/005057 patent/WO2009003605A2/de active Application Filing
Patent Citations (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DE19940448A1 (de) * | 1999-08-25 | 2001-03-01 | Nt Innovation Ohg I Gr | Verfahren und Vorrichtung zur Ausgabe virtueller Wertmarken |
EP1150482A2 (de) * | 2000-04-28 | 2001-10-31 | Cardmaxx.de AG | Verfahren und Vorrichtung zur elektronischen Distribution von virtuellen Mobilfunk-Prepaid-Karten |
WO2001095546A2 (en) * | 2000-06-05 | 2001-12-13 | Wirca, Inc. | A method for wireless telephony payment and an apparatus therefor |
EP1172770A1 (de) * | 2000-07-10 | 2002-01-16 | Michael Kramer | Verfahren und System zur Authentifizierung eines Teilnehmers an einem Geschäftsvorgang |
EP1172771A1 (de) * | 2000-07-14 | 2002-01-16 | Michael Kramer | Verfahren und System zur Autorisierung einer kommerziellen Transaktion |
GB2371665A (en) * | 2001-01-25 | 2002-07-31 | Lets Guard It Europ Ab | Call-back function provides a user with an authorisation code for accessing a service |
Also Published As
Publication number | Publication date |
---|---|
WO2009003605A9 (de) | 2009-10-29 |
EP2174281A2 (de) | 2010-04-14 |
US20090006254A1 (en) | 2009-01-01 |
WO2009003605A2 (de) | 2009-01-08 |
DE102007048976A1 (de) | 2009-01-02 |
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