WO2004012233A3 - Methods for performing transactions in a wireless environment - Google Patents

Methods for performing transactions in a wireless environment Download PDF

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Publication number
WO2004012233A3
WO2004012233A3 PCT/US2003/023451 US0323451W WO2004012233A3 WO 2004012233 A3 WO2004012233 A3 WO 2004012233A3 US 0323451 W US0323451 W US 0323451W WO 2004012233 A3 WO2004012233 A3 WO 2004012233A3
Authority
WO
WIPO (PCT)
Prior art keywords
methods
wireless environment
performing transactions
transaction
disapprove
Prior art date
Application number
PCT/US2003/023451
Other languages
French (fr)
Other versions
WO2004012233A2 (en
Inventor
Jagdeep Singh Sahota
Carole Oppenlander
Trudy Hill
Original Assignee
Visa Int Service Ass
Jagdeep Singh Sahota
Carole Oppenlander
Trudy Hill
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 Int Service Ass, Jagdeep Singh Sahota, Carole Oppenlander, Trudy Hill filed Critical Visa Int Service Ass
Priority to AU2003254201A priority Critical patent/AU2003254201A1/en
Publication of WO2004012233A2 publication Critical patent/WO2004012233A2/en
Publication of WO2004012233A3 publication Critical patent/WO2004012233A3/en

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355Personalisation of cards for use
    • G06Q20/3552Downloading or loading of personalisation data
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367Payment 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
    • G06Q20/3674Payment 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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

Abstract

A method of performing a transaction over a contactless interface placing a first device in wireless communication with a second device (200), selecting the interface over which the first and second device will communicate (210), selecting the application to be used to approve or disapprove the transaction (215), communicating to the second device the data necessary for the application to approve or disapprove the transaction (220, 225).
PCT/US2003/023451 2002-07-29 2003-07-29 Methods for performing transactions in a wireless environment WO2004012233A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2003254201A AU2003254201A1 (en) 2002-07-29 2003-07-29 Methods for performing transactions in a wireless environment

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US39927402P 2002-07-29 2002-07-29
US60/399,274 2002-07-29
US10/628,702 US7792759B2 (en) 2002-07-29 2003-07-28 Methods for performing transactions in a wireless environment
US10/628,702 2003-07-28

Publications (2)

Publication Number Publication Date
WO2004012233A2 WO2004012233A2 (en) 2004-02-05
WO2004012233A3 true WO2004012233A3 (en) 2004-06-10

Family

ID=32045187

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2003/023451 WO2004012233A2 (en) 2002-07-29 2003-07-29 Methods for performing transactions in a wireless environment

Country Status (3)

Country Link
US (2) US7792759B2 (en)
AU (1) AU2003254201A1 (en)
WO (1) WO2004012233A2 (en)

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US20040068472A1 (en) 2004-04-08
US7792759B2 (en) 2010-09-07
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AU2003254201A8 (en) 2004-02-16
WO2004012233A2 (en) 2004-02-05

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