WO2014134180A3 - Methods and arrangements for smartphone payments and transactions - Google Patents

Methods and arrangements for smartphone payments and transactions Download PDF

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Publication number
WO2014134180A3
WO2014134180A3 PCT/US2014/018715 US2014018715W WO2014134180A3 WO 2014134180 A3 WO2014134180 A3 WO 2014134180A3 US 2014018715 W US2014018715 W US 2014018715W WO 2014134180 A3 WO2014134180 A3 WO 2014134180A3
Authority
WO
WIPO (PCT)
Prior art keywords
image
embedding
copies
embedded
copy
Prior art date
Application number
PCT/US2014/018715
Other languages
French (fr)
Other versions
WO2014134180A2 (en
Inventor
Tony F. Rodriguez
Bruce L. Davis
Tomas FILLER
Brian T. Macintosh
Ravi K. Sharma
Original Assignee
Digimarc Corporation
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
Priority claimed from US13/792,764 external-priority patent/US9965756B2/en
Priority claimed from US13/873,117 external-priority patent/US9830588B2/en
Priority claimed from US14/074,072 external-priority patent/US20140258110A1/en
Priority claimed from US14/180,277 external-priority patent/US9311640B2/en
Application filed by Digimarc Corporation filed Critical Digimarc Corporation
Priority to CN201480023664.8A priority Critical patent/CN105190659B/en
Priority to EP14709848.7A priority patent/EP2962262A4/en
Publication of WO2014134180A2 publication Critical patent/WO2014134180A2/en
Publication of WO2014134180A3 publication Critical patent/WO2014134180A3/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
    • G06Q20/32—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
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/306—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using TV related infrastructures
    • 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
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3221—Access to banking information through 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
    • 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
    • G06Q20/30—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
    • G06Q20/30—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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Abstract

The disclosure relates to a smartphone-based virtual wallet, that manages payment options available to a user. One claim recites a portable device comprising: a touch screen display; a microphone for capturing ambient audio; memory for storing an image; and one or more processors. The one or more processors are configured for: generating copies of the stored image; embedding one of the plurality of outputs in a copy of the stored image and proceeding with embedding until each of the plurality of outputs is so embedded in a copy of the stored image, in which the embedding utilizes digital watermarking; causing the touch screen display to display embedded image copies so as to cause a static image display effect, the displayed embedded image copies being displayed by the portable device in response to a user input to enable a financial transaction.
PCT/US2014/018715 2013-02-26 2014-02-26 Methods and arrangements for smartphone payments and transactions WO2014134180A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CN201480023664.8A CN105190659B (en) 2013-02-26 2014-02-26 Method, apparatus and arrangement for device-to-device communication
EP14709848.7A EP2962262A4 (en) 2013-02-26 2014-02-26 Methods and arrangements for smartphone payments and transactions

Applications Claiming Priority (14)

Application Number Priority Date Filing Date Title
US201361769701P 2013-02-26 2013-02-26
US61/769,701 2013-02-26
US13/792,764 2013-03-11
US13/792,764 US9965756B2 (en) 2013-02-26 2013-03-11 Methods and arrangements for smartphone payments
US13/873,117 US9830588B2 (en) 2013-02-26 2013-04-29 Methods and arrangements for smartphone payments
US13/873,117 2013-04-29
US201361825059P 2013-05-19 2013-05-19
US61/825,059 2013-05-19
US14/074,072 US20140258110A1 (en) 2013-03-11 2013-11-07 Methods and arrangements for smartphone payments and transactions
US14/074,072 2013-11-07
US201461938673P 2014-02-11 2014-02-11
US61/938,673 2014-02-11
US14/180,277 US9311640B2 (en) 2014-02-11 2014-02-13 Methods and arrangements for smartphone payments and transactions
US14/180,277 2014-02-13

Publications (2)

Publication Number Publication Date
WO2014134180A2 WO2014134180A2 (en) 2014-09-04
WO2014134180A3 true WO2014134180A3 (en) 2015-01-08

Family

ID=50272764

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2014/018715 WO2014134180A2 (en) 2013-02-26 2014-02-26 Methods and arrangements for smartphone payments and transactions

Country Status (3)

Country Link
EP (1) EP2962262A4 (en)
CN (1) CN105190659B (en)
WO (1) WO2014134180A2 (en)

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RU2801424C1 (en) * 2022-06-14 2023-08-08 Общество С Ограниченной Ответственностью "Цифровые Платежи" Method of payment by qr code and fps if there is no internet connection on buyer's phone

Also Published As

Publication number Publication date
WO2014134180A2 (en) 2014-09-04
EP2962262A4 (en) 2016-08-24
EP2962262A2 (en) 2016-01-06
CN105190659A (en) 2015-12-23
CN105190659B (en) 2021-02-05

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