WO2015005866A1 - Portefeuille mobile interactif à carte - Google Patents

Portefeuille mobile interactif à carte Download PDF

Info

Publication number
WO2015005866A1
WO2015005866A1 PCT/SG2013/000291 SG2013000291W WO2015005866A1 WO 2015005866 A1 WO2015005866 A1 WO 2015005866A1 SG 2013000291 W SG2013000291 W SG 2013000291W WO 2015005866 A1 WO2015005866 A1 WO 2015005866A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment instrument
image
instructions
response
memory
Prior art date
Application number
PCT/SG2013/000291
Other languages
English (en)
Inventor
Steve MONAGHAN
Jun-Jie Andrew WONG
Original Assignee
Dbs Bank Ltd
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 Dbs Bank Ltd filed Critical Dbs Bank Ltd
Priority to PCT/SG2013/000291 priority Critical patent/WO2015005866A1/fr
Publication of WO2015005866A1 publication Critical patent/WO2015005866A1/fr

Links

Classifications

    • H04B5/72—
    • 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
    • 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
    • G06Q20/409—Device specific authentication in transaction processing

Abstract

La présente invention concerne un procédé et un système de gestion de fonds sur un dispositif mobile. Le système détermine un justificatif d'identité sur le dispositif et appelle une session en réponse au fait que le justificatif d'identité se trouve disponible sur le dispositif. La session consiste à obtenir une image d'un instrument de paiement capturé au moyen du dispositif de capture d'image, à vérifier la validité de l'image de l'instrument de paiement, à déterminer un type d'instrument de paiement de l'instrument de paiement sur la base de l'image de l'instrument de paiement en réponse au fait que l'image de l'instrument de paiement est valide, et à obtenir des informations sur l'instrument de paiement sur la base du type déterminé d'instrument de paiement.
PCT/SG2013/000291 2013-07-11 2013-07-11 Portefeuille mobile interactif à carte WO2015005866A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/SG2013/000291 WO2015005866A1 (fr) 2013-07-11 2013-07-11 Portefeuille mobile interactif à carte

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/SG2013/000291 WO2015005866A1 (fr) 2013-07-11 2013-07-11 Portefeuille mobile interactif à carte

Publications (1)

Publication Number Publication Date
WO2015005866A1 true WO2015005866A1 (fr) 2015-01-15

Family

ID=52280387

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/SG2013/000291 WO2015005866A1 (fr) 2013-07-11 2013-07-11 Portefeuille mobile interactif à carte

Country Status (1)

Country Link
WO (1) WO2015005866A1 (fr)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20110006732A (ko) * 2010-01-09 2011-01-20 김주한 휴대 단말을 이용한 선불 및 후불 결제 시스템, 소액 이체 방법, 포인트 서비스 시스템, 에스크로 서비스 시스템
US20110173100A1 (en) * 2000-11-06 2011-07-14 Boncyk Wayne C Object Information Derived from Object Images
US20120011071A1 (en) * 2010-07-12 2012-01-12 Sean Pennock Remote invoice and negotiable instrument processing
US20120099780A1 (en) * 2010-10-22 2012-04-26 Smith Steven M System and method for capturing token data with a portable computing device
US20130085935A1 (en) * 2008-01-18 2013-04-04 Mitek Systems Systems and methods for mobile image capture and remittance processing

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20110173100A1 (en) * 2000-11-06 2011-07-14 Boncyk Wayne C Object Information Derived from Object Images
US20130085935A1 (en) * 2008-01-18 2013-04-04 Mitek Systems Systems and methods for mobile image capture and remittance processing
KR20110006732A (ko) * 2010-01-09 2011-01-20 김주한 휴대 단말을 이용한 선불 및 후불 결제 시스템, 소액 이체 방법, 포인트 서비스 시스템, 에스크로 서비스 시스템
US20120011071A1 (en) * 2010-07-12 2012-01-12 Sean Pennock Remote invoice and negotiable instrument processing
US20120099780A1 (en) * 2010-10-22 2012-04-26 Smith Steven M System and method for capturing token data with a portable computing device

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