WO2016040576A1 - Système et procédé de traitement de transactions financières utilisant un dispositif mobile pour le paiement - Google Patents

Système et procédé de traitement de transactions financières utilisant un dispositif mobile pour le paiement Download PDF

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Publication number
WO2016040576A1
WO2016040576A1 PCT/US2015/049353 US2015049353W WO2016040576A1 WO 2016040576 A1 WO2016040576 A1 WO 2016040576A1 US 2015049353 W US2015049353 W US 2015049353W WO 2016040576 A1 WO2016040576 A1 WO 2016040576A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
mobile device
payment account
mobile
transaction
Prior art date
Application number
PCT/US2015/049353
Other languages
English (en)
Inventor
Yigit Caglayan
Kemal Uyan
Original Assignee
Mastercard International Incorporated
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 US14/483,254 external-priority patent/US10552822B2/en
Application filed by Mastercard International Incorporated filed Critical Mastercard International Incorporated
Priority to EP15839206.8A priority Critical patent/EP3192043A4/fr
Publication of WO2016040576A1 publication Critical patent/WO2016040576A1/fr

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
    • G06Q20/322—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
    • G06Q20/36—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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Abstract

L'invention concerne un procédé de traitement d'une transaction financière comprenant les étapes consistant à: stocker, dans une base de données, une pluralité de entrées de données de porte-monnaie, chaque entrée de données de porte-monnaie comprenant au moins un identifiant de dispositif mobile et des renseignements de paiement associés à au moins un compte de paiement; faire recevoir, par un dispositif de réception, une demande d'autorisation pour une transaction financière, la demande d'autorisation comprenant au moins un identifiant de dispositif mobile et des données de transaction; envoyer à un dispositif informatique mobile associé à l'identifiant de dispositif mobile, au moins les données de transaction; recevoir, en provenance du dispositif informatique mobile, une indication d'un compte de paiement destiné à financer la transaction financière; identifier, dans la base de données, des renseignements de paiement associés au compte de paiement indiqué dans une entrée de données de porte-monnaie comprenant l'identifiant de dispositif mobile figurant dans la demande d'autorisation; et envoyer à un émetteur associé au compte de paiement indiqué, au moins les renseignements de paiement et les données de transaction.
PCT/US2015/049353 2014-09-11 2015-09-10 Système et procédé de traitement de transactions financières utilisant un dispositif mobile pour le paiement WO2016040576A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP15839206.8A EP3192043A4 (fr) 2014-09-11 2015-09-10 Système et procédé de traitement de transactions financières utilisant un dispositif mobile pour le paiement

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US14/483,254 US10552822B2 (en) 2013-03-15 2014-09-11 System and method for processing financial transactions using a mobile device for payment
US14/483,254 2014-09-11

Publications (1)

Publication Number Publication Date
WO2016040576A1 true WO2016040576A1 (fr) 2016-03-17

Family

ID=55483742

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2015/049353 WO2016040576A1 (fr) 2014-09-11 2015-09-10 Système et procédé de traitement de transactions financières utilisant un dispositif mobile pour le paiement

Country Status (2)

Country Link
EP (1) EP3192043A4 (fr)
WO (1) WO2016040576A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2660603C2 (ru) * 2016-08-16 2018-07-06 Игорь Вадимович Бреев Модульный сервер системы платежно-коммуникационных связей для обслуживания клиентов при осуществлении коммерческих сделок (варианты)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20100123895A (ko) * 2008-04-02 2010-11-25 글로벌 원 엔터프라이지즈, 아이엔씨. 모바일 전화기 지불 거래 시스템의 지불 계좌 데이터의 가공화
US20110143710A1 (en) * 2009-12-16 2011-06-16 Boku, Inc. Systems and methods to facilitate electronic payments
KR101092657B1 (ko) * 2008-12-24 2011-12-13 주식회사 하렉스인포텍 모바일 카드결제 시스템과 그를 이용한 모바일 카드결제 서비스 방법
US20120143768A1 (en) * 2010-09-21 2012-06-07 Ayman Hammad Device Enrollment System and Method
US8543497B1 (en) * 2001-07-06 2013-09-24 Hossein Mohsenzadeh Secure authentication payment system

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8543497B1 (en) * 2001-07-06 2013-09-24 Hossein Mohsenzadeh Secure authentication payment system
KR20100123895A (ko) * 2008-04-02 2010-11-25 글로벌 원 엔터프라이지즈, 아이엔씨. 모바일 전화기 지불 거래 시스템의 지불 계좌 데이터의 가공화
KR101092657B1 (ko) * 2008-12-24 2011-12-13 주식회사 하렉스인포텍 모바일 카드결제 시스템과 그를 이용한 모바일 카드결제 서비스 방법
US20110143710A1 (en) * 2009-12-16 2011-06-16 Boku, Inc. Systems and methods to facilitate electronic payments
US20120143768A1 (en) * 2010-09-21 2012-06-07 Ayman Hammad Device Enrollment System and Method

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP3192043A4 *

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2660603C2 (ru) * 2016-08-16 2018-07-06 Игорь Вадимович Бреев Модульный сервер системы платежно-коммуникационных связей для обслуживания клиентов при осуществлении коммерческих сделок (варианты)

Also Published As

Publication number Publication date
EP3192043A4 (fr) 2018-01-17
EP3192043A1 (fr) 2017-07-19

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