EP3077970A4 - Card reader emulation for cardless transactions - Google Patents
Card reader emulation for cardless transactions Download PDFInfo
- Publication number
- EP3077970A4 EP3077970A4 EP14875157.1A EP14875157A EP3077970A4 EP 3077970 A4 EP3077970 A4 EP 3077970A4 EP 14875157 A EP14875157 A EP 14875157A EP 3077970 A4 EP3077970 A4 EP 3077970A4
- Authority
- EP
- European Patent Office
- Prior art keywords
- card reader
- reader emulation
- cardless transactions
- cardless
- transactions
- Prior art date
- Legal status (The legal status 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 status listed.)
- Ceased
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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/209—Specified transaction journal output feature, e.g. printed receipt or voice output
-
- 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
- G06Q20/04—Payment circuits
- G06Q20/047—Payment circuits using payment protocols involving electronic receipts
-
- 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
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
-
- 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
- G06Q20/32—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]
- G06Q20/3224—Transactions dependent on location of 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
- G06Q20/34—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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Security & Cryptography (AREA)
- Cash Registers Or Receiving Machines (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US201361921374P | 2013-12-27 | 2013-12-27 | |
US14/187,049 US9037491B1 (en) | 2013-11-26 | 2014-02-21 | Card reader emulation for cardless transactions |
PCT/US2014/072285 WO2015100385A1 (en) | 2013-12-27 | 2014-12-23 | Card reader emulation for cardless transactions |
Publications (2)
Publication Number | Publication Date |
---|---|
EP3077970A1 EP3077970A1 (en) | 2016-10-12 |
EP3077970A4 true EP3077970A4 (en) | 2017-08-16 |
Family
ID=53479680
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP14875157.1A Ceased EP3077970A4 (en) | 2013-12-27 | 2014-12-23 | Card reader emulation for cardless transactions |
Country Status (5)
Country | Link |
---|---|
EP (1) | EP3077970A4 (en) |
JP (1) | JP6475752B2 (en) |
AU (1) | AU2014369891B2 (en) |
CA (1) | CA2935177C (en) |
WO (1) | WO2015100385A1 (en) |
Families Citing this family (12)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8924259B2 (en) | 2013-03-14 | 2014-12-30 | Square, Inc. | Mobile device payments |
US9799021B1 (en) | 2013-11-26 | 2017-10-24 | Square, Inc. | Tip processing at a point-of-sale system |
US9741026B1 (en) | 2014-09-30 | 2017-08-22 | Square, Inc. | Payment by use of identifier |
FR3041132B1 (en) * | 2015-09-11 | 2021-01-15 | Ingenico Group | DATA TRANSMISSION PROCESS, CORRESPONDING COMPUTER DEVICES AND PROGRAMS |
US9519901B1 (en) | 2015-09-16 | 2016-12-13 | Square, Inc. | Biometric payment technology |
US10062074B1 (en) | 2016-11-30 | 2018-08-28 | Square, Inc. | System for improving card on file transactions |
FR3064787B1 (en) * | 2017-03-31 | 2019-07-12 | Ingenico Group | METHOD OF PROCESSING DATA WITH A PAYMENT TERMINAL, TERMINAL OF PAYMENT AND PROGRAM THEREOF |
US10878402B1 (en) | 2018-08-31 | 2020-12-29 | Square, Inc. | Temporarily provisioning payment functionality to alternate payment instrument |
US10997583B1 (en) | 2018-08-31 | 2021-05-04 | Square, Inc. | Temporarily provisioning card on file payment functionality to proximate merchants |
WO2020079379A1 (en) | 2018-10-18 | 2020-04-23 | Clean Bill | Method for transmitting and storing virtual documents by retrofitting a pre-programmed publishing terminal and housing for implementing same |
FR3087562B1 (en) * | 2018-10-18 | 2023-06-23 | Clean Bill | METHOD FOR TRANSMITTING AND STORAGE OF INVOICES OR TICKETS AND HOUSING TO IMPLEMENT IT |
JP7337423B1 (en) * | 2023-01-26 | 2023-09-04 | 竜也 中野 | Server device, chip management method, chip management program and program |
Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JP2005321873A (en) * | 2004-05-06 | 2005-11-17 | Seiko Epson Corp | Electronic journal creation system, method, and program |
EP1764680A2 (en) * | 2005-09-02 | 2007-03-21 | Star Micronics Co., Ltd. | Print system |
JP2009226689A (en) * | 2008-03-21 | 2009-10-08 | Seiko Epson Corp | Printer |
WO2011156884A1 (en) * | 2010-06-17 | 2011-12-22 | Consumer Mt Inc. | Electronic payment system and method |
Family Cites Families (15)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JP2002099858A (en) * | 2000-09-26 | 2002-04-05 | Toshiba Tec Corp | Settlement system, settlement device and settlement method |
JP2003150885A (en) * | 2001-11-15 | 2003-05-23 | Hitachi Ltd | Settlement system and settlement device |
US7748618B2 (en) * | 2006-08-21 | 2010-07-06 | Verizon Patent And Licensing Inc. | Secure near field transaction |
US20090043696A1 (en) * | 2007-08-08 | 2009-02-12 | Electronic Payment Exchange | Payment Processor Hosted Account Information |
US8109444B2 (en) * | 2007-09-12 | 2012-02-07 | Devicefidelity, Inc. | Selectively switching antennas of transaction cards |
JP2009086832A (en) * | 2007-09-28 | 2009-04-23 | Nidec Sankyo Corp | Information system |
US20090187488A1 (en) * | 2008-01-22 | 2009-07-23 | John Shamilian | Method and system for providing a service to a customer |
US10839384B2 (en) * | 2008-12-02 | 2020-11-17 | Paypal, Inc. | Mobile barcode generation and payment |
US8548859B2 (en) * | 2010-01-22 | 2013-10-01 | Spendgo, Inc. | Point of sale network router |
JP2011197511A (en) * | 2010-03-23 | 2011-10-06 | Seiko Epson Corp | Voice output device, method for controlling the same, and printer and mounting board |
US9589266B2 (en) * | 2011-04-01 | 2017-03-07 | Visa International Service Association | Restricted-use account payment administration apparatuses, methods and systems |
JP5799757B2 (en) * | 2011-11-02 | 2015-10-28 | セイコーエプソン株式会社 | Receipt management device, receipt management system, and receipt management device control method |
DE202012100620U1 (en) * | 2011-11-22 | 2012-06-13 | Square, Inc. | System for processing cardless payment transactions |
EP2801065A4 (en) * | 2012-01-05 | 2015-08-05 | Visa Int Service Ass | Transaction visual capturing apparatuses, methods and systems |
JP2013238977A (en) * | 2012-05-14 | 2013-11-28 | Seiko Epson Corp | Receipt data processing apparatus and receipt data processing method |
-
2014
- 2014-12-23 WO PCT/US2014/072285 patent/WO2015100385A1/en active Application Filing
- 2014-12-23 AU AU2014369891A patent/AU2014369891B2/en active Active
- 2014-12-23 CA CA2935177A patent/CA2935177C/en active Active
- 2014-12-23 JP JP2016561596A patent/JP6475752B2/en active Active
- 2014-12-23 EP EP14875157.1A patent/EP3077970A4/en not_active Ceased
Patent Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JP2005321873A (en) * | 2004-05-06 | 2005-11-17 | Seiko Epson Corp | Electronic journal creation system, method, and program |
EP1764680A2 (en) * | 2005-09-02 | 2007-03-21 | Star Micronics Co., Ltd. | Print system |
JP2009226689A (en) * | 2008-03-21 | 2009-10-08 | Seiko Epson Corp | Printer |
WO2011156884A1 (en) * | 2010-06-17 | 2011-12-22 | Consumer Mt Inc. | Electronic payment system and method |
Non-Patent Citations (1)
Title |
---|
See also references of WO2015100385A1 * |
Also Published As
Publication number | Publication date |
---|---|
AU2014369891B2 (en) | 2017-03-02 |
JP6475752B2 (en) | 2019-02-27 |
CA2935177C (en) | 2019-08-13 |
WO2015100385A1 (en) | 2015-07-02 |
CA2935177A1 (en) | 2015-07-02 |
EP3077970A1 (en) | 2016-10-12 |
AU2014369891A1 (en) | 2016-07-14 |
JP2017510903A (en) | 2017-04-13 |
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Legal Events
Date | Code | Title | Description |
---|---|---|---|
PUAI | Public reference made under article 153(3) epc to a published international application that has entered the european phase |
Free format text: ORIGINAL CODE: 0009012 |
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17P | Request for examination filed |
Effective date: 20160704 |
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Extension state: BA ME |
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DAX | Request for extension of the european patent (deleted) | ||
A4 | Supplementary search report drawn up and despatched |
Effective date: 20170714 |
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RIC1 | Information provided on ipc code assigned before grant |
Ipc: G06Q 20/34 20120101AFI20170707BHEP Ipc: G06F 17/00 20060101ALI20170707BHEP Ipc: G06Q 20/02 20120101ALI20170707BHEP Ipc: G06Q 20/32 20120101ALI20170707BHEP Ipc: G06Q 20/04 20120101ALI20170707BHEP Ipc: G06Q 20/20 20120101ALI20170707BHEP Ipc: G06Q 20/38 20120101ALI20170707BHEP |
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Free format text: STATUS: EXAMINATION IS IN PROGRESS |
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17Q | First examination report despatched |
Effective date: 20190920 |
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Free format text: STATUS: EXAMINATION IS IN PROGRESS |
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Ref country code: DE Ref legal event code: R003 |
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18R | Application refused |
Effective date: 20201203 |