WO2011130422A3 - Mobile phone as a switch - Google Patents

Mobile phone as a switch Download PDF

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Publication number
WO2011130422A3
WO2011130422A3 PCT/US2011/032343 US2011032343W WO2011130422A3 WO 2011130422 A3 WO2011130422 A3 WO 2011130422A3 US 2011032343 W US2011032343 W US 2011032343W WO 2011130422 A3 WO2011130422 A3 WO 2011130422A3
Authority
WO
WIPO (PCT)
Prior art keywords
transaction details
merchant
consumer
mobile device
identifier
Prior art date
Application number
PCT/US2011/032343
Other languages
French (fr)
Other versions
WO2011130422A2 (en
Inventor
James Dimmick
Original Assignee
Visa International Service Association
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 Visa International Service Association filed Critical Visa International Service Association
Priority to CN2011900004322U priority Critical patent/CN203299885U/en
Publication of WO2011130422A2 publication Critical patent/WO2011130422A2/en
Publication of WO2011130422A3 publication Critical patent/WO2011130422A3/en

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
    • 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
    • G06Q20/30—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
    • G06Q20/3276—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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/383—Anonymous user system
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (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)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

Embodiments of the streamlined payment system described herein are directed to a consumer mobile device (e.g., a mobile phone) that sends transaction details for authorization, instead of the merchant sending the transaction details for authorization. This eliminates the need to present the consumer's payment account information to the merchant. The transaction details may include an amount and merchant payment initiation information. In one embodiment, the consumer mobile device may directly contact an issuer without using a traditional payment processing network. The issuer may then approve or deny the transaction and communicate directly with the issuer, merchant, or merchant's acquirer. In one embodiment, transaction details may need to be communicated from a computing device (e.g., a PC) operated by the consumer that is not collocated with the merchant. In this embodiment, the transaction details may be encoded into a particular format that can be received and read by the consumer's mobile device. The format may be a transaction details identifier or a transaction details data payload. The transaction details identifier or transaction details data payload may be an SMS or MMS message, barcode, watermarked image, or manual identifier that represents the transaction details. The SMS/MMS message with transaction details payload or identifier may be received by the mobile device. The barcode, text image, or watermarked image may be read using the mobile device's camera or other input means.
PCT/US2011/032343 2010-04-13 2011-04-13 Mobile phone as a switch WO2011130422A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN2011900004322U CN203299885U (en) 2010-04-13 2011-04-13 System and mobile device used for transaction

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US32380310P 2010-04-13 2010-04-13
US61/323,803 2010-04-13

Publications (2)

Publication Number Publication Date
WO2011130422A2 WO2011130422A2 (en) 2011-10-20
WO2011130422A3 true WO2011130422A3 (en) 2012-01-19

Family

ID=44799298

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2011/032343 WO2011130422A2 (en) 2010-04-13 2011-04-13 Mobile phone as a switch

Country Status (2)

Country Link
CN (1) CN203299885U (en)
WO (1) WO2011130422A2 (en)

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US7949605B2 (en) 2001-02-23 2011-05-24 Mark Itwaru Secure electronic commerce
US20120089471A1 (en) * 2010-10-06 2012-04-12 Rt7 Incorporated System and method of capturing point-of-sale data and providing real-time advertising content
US10223674B2 (en) 2011-05-11 2019-03-05 Riavera Corp. Customized transaction flow for multiple transaction types using encoded image representation of transaction information
US9547861B2 (en) 2011-05-11 2017-01-17 Mark Itwaru System and method for wireless communication with an IC chip for submission of pin data
WO2012151660A1 (en) * 2011-05-11 2012-11-15 Mark Itwaru Mobile image payment system
US9785935B2 (en) 2011-05-11 2017-10-10 Riavera Corp. Split mobile payment system
US9721243B2 (en) 2011-05-11 2017-08-01 Riavera Corp. Mobile payment system using subaccounts of account holder
US9734498B2 (en) 2011-05-11 2017-08-15 Riavera Corp Mobile image payment system using short codes
US9715704B2 (en) 2011-05-11 2017-07-25 Riavera Corp Merchant ordering system using optical machine readable image representation of invoice information
CA2835733A1 (en) 2011-05-11 2012-11-15 Mark Itwaru Mobile image payment system using short codes
US8616453B2 (en) * 2012-02-15 2013-12-31 Mark Itwaru System and method for processing funds transfer between entities based on received optical machine readable image information
EP2631860B1 (en) * 2012-02-24 2016-02-24 POSPartner GmbH Sending a 2D code via a hardware interface of a Pin-Pad
DE102012214744A1 (en) * 2012-08-20 2014-02-20 Tobias Pfütze Method and system for carrying out a financial transaction
GB2508621A (en) 2012-12-05 2014-06-11 Barclays Bank Plc Mobile payment method
US20140279469A1 (en) * 2013-03-12 2014-09-18 Carta Worldwide Inc. System and method for mobile transaction payments
EP2876592A1 (en) * 2013-11-21 2015-05-27 Gemalto SA Method to operate a contactless mobile device as a low cost secured point-of-sale
DK179448B1 (en) * 2014-01-23 2018-10-11 Apple Inc. Systems, Devices and Methods for Dynamically Providing User Interface Controls at a Touch-Sensitive Secondary Display.
FR3017733B1 (en) * 2014-02-14 2017-08-25 Bancontact-Mistercash Nv/Sa SECURE TRANSACTION USING A MOBILE DEVICE
SG11201607454SA (en) * 2014-03-11 2016-10-28 Visa Int Service Ass Real-time portable device update
CN103824212A (en) * 2014-03-12 2014-05-28 何开秀 Consumption point control method and system
CN204650596U (en) * 2014-05-29 2015-09-16 苹果公司 Electronic equipment
US10482558B2 (en) * 2014-08-11 2019-11-19 Waltz, Inc. Interactive image-based communication using image coding
CN104660411B (en) * 2014-09-05 2018-05-29 深圳光启智能光子技术有限公司 Chip validity verifies device and the payment system based on chip validity verification
CN104270246A (en) * 2014-09-05 2015-01-07 深圳光启创新技术有限公司 Dynamic key device and payment system based on dynamic key
WO2016046731A1 (en) * 2014-09-22 2016-03-31 CafeX Communications, Ltd. Automated customer assistance process for tokenized payment services
CN104898958B (en) * 2014-10-30 2016-10-05 腾讯科技（深圳）有限公司 A kind of data transfering method, device and system
CN105590214A (en) * 2014-12-31 2016-05-18 中国银联股份有限公司 Payment method and payment system based on virtual card
US9825946B2 (en) * 2015-08-27 2017-11-21 Mastercard International Incorporated Method and system for enhanced validation of cryptograms in cloud-based systems
CN108431845A (en) * 2015-10-13 2018-08-21 交互网格公司 The use of distributed consensus control based on block chain
US10649429B2 (en) 2015-10-13 2020-05-12 LO3 Energy Inc. Use of blockchain based distributed consensus control
CN105528707A (en) * 2015-11-26 2016-04-27 南京林业大学 Digital watermarking based anti-counterfeiting identification system of mobile phone
CN105827612B (en) * 2016-04-08 2020-05-22 四川省亚丁胡杨人力资源集团有限公司 Salary payment system based on mobile internet service application
CN105913343B (en) * 2016-04-08 2019-12-20 四川省亚丁胡杨人力资源集团有限公司 Service supervision system based on mobile internet service application
US10558975B2 (en) * 2016-08-17 2020-02-11 Mastercard International Incorporated Systems and methods for use in facilitating transactions
CN109716374B (en) * 2016-09-04 2023-12-29 万事达卡国际公司 Method and system for card-less ATM transactions via mobile device
CN106327176A (en) * 2016-09-23 2017-01-11 广东风信子网络科技有限公司 Cross-border shopping mall cash register with automatic tax calculation function
US20180089688A1 (en) * 2016-09-27 2018-03-29 Mastercard International Incorporated System and methods for authenticating a user using biometric data
CN110945551A (en) * 2017-05-30 2020-03-31 维萨国际服务协会 System, method and computer program product for maintaining transaction integrity on a public network
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US20030182207A1 (en) * 2000-09-28 2003-09-25 Skinner James Jay Electronic Commerce Transaction System
US20090112768A1 (en) * 2007-10-25 2009-04-30 Ayman Hammad Payment transaction using mobile phone as relay
KR20100027679A (en) * 2008-09-03 2010-03-11 주식회사 신한은행 System for processing transaction approval using customer mobile phone

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030182207A1 (en) * 2000-09-28 2003-09-25 Skinner James Jay Electronic Commerce Transaction System
US20020116329A1 (en) * 2001-02-20 2002-08-22 Serbetcioglu Bekir Sami Systems and methods for approval of credit/debit account transactions using a wireless device
US20090112768A1 (en) * 2007-10-25 2009-04-30 Ayman Hammad Payment transaction using mobile phone as relay
KR20100027679A (en) * 2008-09-03 2010-03-11 주식회사 신한은행 System for processing transaction approval using customer mobile phone

Also Published As

Publication number Publication date
WO2011130422A2 (en) 2011-10-20
CN203299885U (en) 2013-11-20

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