WO2008030397A3 - Payment systems and methods - Google Patents
Payment systems and methods Download PDFInfo
- Publication number
- WO2008030397A3 WO2008030397A3 PCT/US2007/019187 US2007019187W WO2008030397A3 WO 2008030397 A3 WO2008030397 A3 WO 2008030397A3 US 2007019187 W US2007019187 W US 2007019187W WO 2008030397 A3 WO2008030397 A3 WO 2008030397A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- consumer
- account
- methods
- payment systems
- account server
- Prior art date
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]
- G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in 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
- G06Q20/38—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
- G06Q20/401—Transaction verification
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- 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]
- G06Q20/3223—Realising banking transactions 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
Abstract
In one embodiment the present invention includes a payment system for a commercial transaction. The payment system includes an account server that a consumer accesses using the consumer's mobile telephone number. The account server updates the consumer's account and the merchant's account according to the transaction. The account server sends a confirmation directly to the consumer's mobile telephone.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP07837611A EP2074577A4 (en) | 2006-09-05 | 2007-08-29 | Payment systems and methods |
Applications Claiming Priority (6)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US84210206P | 2006-09-05 | 2006-09-05 | |
US60/842,102 | 2006-09-05 | ||
US92505407P | 2007-04-17 | 2007-04-17 | |
US60/925,054 | 2007-04-17 | ||
US92689307P | 2007-04-30 | 2007-04-30 | |
US60/926,893 | 2007-04-30 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2008030397A2 WO2008030397A2 (en) | 2008-03-13 |
WO2008030397A3 true WO2008030397A3 (en) | 2008-06-26 |
Family
ID=39157771
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2007/019187 WO2008030397A2 (en) | 2006-09-05 | 2007-08-29 | Payment systems and methods |
Country Status (3)
Country | Link |
---|---|
US (2) | US20090024533A1 (en) |
EP (2) | EP2074577A4 (en) |
WO (1) | WO2008030397A2 (en) |
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US8341083B1 (en) * | 2007-09-12 | 2012-12-25 | Devicefidelity, Inc. | Wirelessly executing financial transactions |
US9311766B2 (en) * | 2007-09-12 | 2016-04-12 | Devicefidelity, Inc. | Wireless communicating radio frequency signals |
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US8515840B2 (en) * | 2007-10-02 | 2013-08-20 | American Express Travel Related Services Company, Inc. | Modular electronic wallet |
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US8255278B1 (en) | 2009-03-23 | 2012-08-28 | United Services Automobile Association | Systems and methods for payment at a point of sale using a virtual check |
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US8423467B1 (en) * | 2010-03-08 | 2013-04-16 | Jesper M. Johansson | Merchant-specific shadow account numbers |
US9558481B2 (en) | 2010-09-28 | 2017-01-31 | Barclays Bank Plc | Secure account provisioning |
CN103201758A (en) * | 2010-11-10 | 2013-07-10 | 斯玛特哈伯私人有限公司 | Method of performing a financial transaction via unsecured public telecommunication infrastructure and an apparatus for same |
US20130110678A1 (en) * | 2011-11-02 | 2013-05-02 | Apple Inc. | Purchasing a product in a store using a mobile device |
US9741045B1 (en) * | 2012-03-16 | 2017-08-22 | Square, Inc. | Ranking of merchants for cardless payment transactions |
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US20140172704A1 (en) * | 2012-12-13 | 2014-06-19 | Firat S. Atagun | Shared Pools for Common Transactions |
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US9721314B2 (en) | 2013-10-28 | 2017-08-01 | Square, Inc. | Apportioning shared financial expenses |
US10163148B1 (en) | 2013-11-13 | 2018-12-25 | Square, Inc. | Wireless beacon shopping experience |
US10242351B1 (en) * | 2014-05-07 | 2019-03-26 | Square, Inc. | Digital wallet for groups |
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US10108950B2 (en) * | 2014-08-12 | 2018-10-23 | Capital One Services, Llc | System and method for providing a group account |
CA2906911C (en) | 2014-09-29 | 2023-08-15 | The Toronto-Dominion Bank | Systems and methods for generating and administering mobile applications using pre-loaded tokens |
US9690968B2 (en) * | 2015-05-17 | 2017-06-27 | William A. Wadley | Authenticated scannable code system |
CA3024175A1 (en) * | 2016-06-01 | 2017-12-07 | Isco International, Llc | Method and apparatus for performing signal conditioning to mitigate interference detected in a communication system |
EP3619663A1 (en) * | 2017-05-06 | 2020-03-11 | SC IP Limited | Mediated peer to peer transaction systems and methods |
US11144924B2 (en) | 2017-12-14 | 2021-10-12 | Mastercard International Incorporated | Facilitating peer-to-peer transactions using virtual debit accounts of virtual wallets |
US11836702B2 (en) * | 2019-07-10 | 2023-12-05 | Visa International Service Association | Systems and methods for communicating transaction data between mobile devices |
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-
2007
- 2007-08-29 EP EP07837611A patent/EP2074577A4/en not_active Ceased
- 2007-08-29 WO PCT/US2007/019187 patent/WO2008030397A2/en active Application Filing
- 2007-08-29 EP EP14159255.0A patent/EP2775441A3/en not_active Withdrawn
- 2007-08-29 US US11/897,413 patent/US20090024533A1/en not_active Abandoned
-
2013
- 2013-11-08 US US14/075,855 patent/US20140067572A1/en not_active Abandoned
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20010047334A1 (en) * | 2000-05-24 | 2001-11-29 | Victor Nappe | System and method for using existing prepaid card systems for making payments over the internet |
US20050102230A1 (en) * | 2000-11-15 | 2005-05-12 | Haidar Mahmoud N.Y. | Electronic payment and associated systems |
US20020073024A1 (en) * | 2000-12-07 | 2002-06-13 | Gilchrist Alexander Sandy Donald | System and methods of using wireless communication devices to conduct financial transactions |
US20040124246A1 (en) * | 2002-12-26 | 2004-07-01 | Allen Greggory W. D. | System and method for validating and operating an access card |
US20050165684A1 (en) * | 2004-01-28 | 2005-07-28 | Saflink Corporation | Electronic transaction verification system |
Also Published As
Publication number | Publication date |
---|---|
EP2775441A2 (en) | 2014-09-10 |
US20090024533A1 (en) | 2009-01-22 |
WO2008030397A2 (en) | 2008-03-13 |
EP2775441A3 (en) | 2015-01-07 |
EP2074577A2 (en) | 2009-07-01 |
EP2074577A4 (en) | 2010-12-22 |
US20140067572A1 (en) | 2014-03-06 |
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