WO2014122453A3 - System and method for mobile wallet transaction processing - Google Patents

System and method for mobile wallet transaction processing Download PDF

Info

Publication number
WO2014122453A3
WO2014122453A3 PCT/GB2014/050328 GB2014050328W WO2014122453A3 WO 2014122453 A3 WO2014122453 A3 WO 2014122453A3 GB 2014050328 W GB2014050328 W GB 2014050328W WO 2014122453 A3 WO2014122453 A3 WO 2014122453A3
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
data
electronic
complete
transaction processing
Prior art date
Application number
PCT/GB2014/050328
Other languages
French (fr)
Other versions
WO2014122453A2 (en
Inventor
David Alexander Taylor
Edward Neil LIVINGSTON
Original Assignee
Barclays Bank Plc
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 Barclays Bank Plc filed Critical Barclays Bank Plc
Publication of WO2014122453A2 publication Critical patent/WO2014122453A2/en
Publication of WO2014122453A3 publication Critical patent/WO2014122453A3/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
    • G06Q20/30—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
    • G06Q20/30—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
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-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
    • G06Q20/325—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

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A system and method are provided for processing a transaction from an electronic wallet on a mobile device. The electronic wallet receives a request for a wallet-based transaction. An electronic data communication session is established between the mobile device and a remote system using a first communication protocol. Data to initiate the transaction is transmitted over the established electronic data communication session. When it is determined that the electronic data communication session is not available to complete the transaction, the remote system transmits data to complete the transaction using a second communication protocol different to the first communication protocol. The electronic wallet receives the transmitted data and processes the received data to complete the transaction.
PCT/GB2014/050328 2013-02-05 2014-02-05 System and method for mobile wallet transaction processing WO2014122453A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB1302040.9A GB2510431A (en) 2013-02-05 2013-02-05 Mobile wallet transaction system using different communication protocols
GB1302040.9 2013-02-05

Publications (2)

Publication Number Publication Date
WO2014122453A2 WO2014122453A2 (en) 2014-08-14
WO2014122453A3 true WO2014122453A3 (en) 2014-10-02

Family

ID=47988756

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/GB2014/050328 WO2014122453A2 (en) 2013-02-05 2014-02-05 System and method for mobile wallet transaction processing

Country Status (2)

Country Link
GB (1) GB2510431A (en)
WO (1) WO2014122453A2 (en)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10853783B1 (en) 2015-12-30 2020-12-01 Wells Fargo Bank, N.A. Processing online transactions with an intermediary system
US11868989B1 (en) 2015-12-30 2024-01-09 Wells Fargo Bank, N.A. Mobile wallets and companion smart cards
US10546289B1 (en) 2015-12-30 2020-01-28 Wells Fargo Bank, N.A. Mobile wallets with automatic element selection
US10540729B1 (en) 2015-12-30 2020-01-21 Wells Fargo Bank, N.A. Mobile wallets with packaged travel services
US10902405B1 (en) 2016-05-11 2021-01-26 Wells Fargo Bank, N.A. Transient mobile wallets
WO2024040346A1 (en) * 2022-08-23 2024-02-29 Affinitiquest.Io Method and credential for consent-based analysis of mobile wallet data

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1388797A2 (en) * 2002-08-08 2004-02-11 Fujitsu Limited Methods, apparatus and framework for purchasing of goods and services
WO2009064160A1 (en) * 2007-11-13 2009-05-22 True Money Co.Ltd System for electronic commerce transactions, portable electronic communications device, communications network, computer program product and method thereof
EP2365672A1 (en) * 2010-03-01 2011-09-14 Gemalto SA Method of selecting a protocol

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10040644A1 (en) * 2000-08-14 2002-02-28 Arndt Jablonowski Data transmitting method for Internet-based payment system, involves sending divided frames of payment data, to processor through two channels using different protocols
US7375616B2 (en) * 2004-09-08 2008-05-20 Nokia Corporation Electronic near field communication enabled multifunctional device and method of its operation
US20120143703A1 (en) * 2010-12-03 2012-06-07 Google Inc. Multiple contactless device interactions and communication protocols per tap
US8751317B2 (en) * 2011-05-12 2014-06-10 Koin, Inc. Enabling a merchant's storefront POS (point of sale) system to accept a payment transaction verified by SMS messaging with buyer's mobile phone

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1388797A2 (en) * 2002-08-08 2004-02-11 Fujitsu Limited Methods, apparatus and framework for purchasing of goods and services
WO2009064160A1 (en) * 2007-11-13 2009-05-22 True Money Co.Ltd System for electronic commerce transactions, portable electronic communications device, communications network, computer program product and method thereof
EP2365672A1 (en) * 2010-03-01 2011-09-14 Gemalto SA Method of selecting a protocol

Also Published As

Publication number Publication date
WO2014122453A2 (en) 2014-08-14
GB2510431A (en) 2014-08-06
GB201302040D0 (en) 2013-03-20

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