EP3084702A4 - A system and method for enhanced token-based payments - Google Patents
A system and method for enhanced token-based payments Download PDFInfo
- Publication number
- EP3084702A4 EP3084702A4 EP14871567.5A EP14871567A EP3084702A4 EP 3084702 A4 EP3084702 A4 EP 3084702A4 EP 14871567 A EP14871567 A EP 14871567A EP 3084702 A4 EP3084702 A4 EP 3084702A4
- Authority
- EP
- European Patent Office
- Prior art keywords
- based payments
- enhanced token
- token
- enhanced
- payments
- 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.)
- Withdrawn
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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
-
- 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
- G06Q20/20—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]
- 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
- G06Q20/32—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
- G06Q20/30—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]
- G06Q20/3229—Use of the SIM of a M-device as secure element
-
- 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
- G06Q20/326—Payment applications installed on the mobile 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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/384—Payment protocols; Details thereof using social networks
-
- 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
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0224—Discounts or incentives, e.g. coupons or rebates based on user history
-
- 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
- G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
- G06Q50/01—Social networking
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
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)
- Computer Security & Cryptography (AREA)
- Marketing (AREA)
- Computing Systems (AREA)
- Health & Medical Sciences (AREA)
- General Health & Medical Sciences (AREA)
- Human Resources & Organizations (AREA)
- Primary Health Care (AREA)
- Tourism & Hospitality (AREA)
- Entrepreneurship & Innovation (AREA)
- Game Theory and Decision Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US14/132,508 US10482457B2 (en) | 2011-10-17 | 2013-12-18 | System and method for token-based payments |
PCT/US2014/071152 WO2015095517A1 (en) | 2013-12-18 | 2014-12-18 | A system and method for enhanced token-based payments |
Publications (2)
Publication Number | Publication Date |
---|---|
EP3084702A1 EP3084702A1 (en) | 2016-10-26 |
EP3084702A4 true EP3084702A4 (en) | 2017-11-15 |
Family
ID=53403691
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP14871567.5A Withdrawn EP3084702A4 (en) | 2013-12-18 | 2014-12-18 | A system and method for enhanced token-based payments |
Country Status (3)
Country | Link |
---|---|
EP (1) | EP3084702A4 (en) |
CA (2) | CA2934342C (en) |
WO (1) | WO2015095517A1 (en) |
Families Citing this family (9)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US11574300B1 (en) * | 2014-04-30 | 2023-02-07 | Wells Fargo Bank, N.A. | Mobile wallet systems and methods using trace identifier using card networks |
AU2016244847A1 (en) | 2015-04-07 | 2017-11-23 | Omnyway, Inc. | Methods and systems for using a mobile device to effect a secure electronic transaction |
KR102470570B1 (en) | 2015-07-14 | 2022-11-24 | 삼성전자주식회사 | Payment system, electronic device and payment method thereof |
EP3376454A1 (en) * | 2015-07-14 | 2018-09-19 | Samsung Electronics Co., Ltd. | Payment system, electronic device and payment method thereof |
FR3051579B1 (en) * | 2016-05-23 | 2021-11-19 | Oberthur Technologies | METHOD FOR SECURING AN ELECTRONIC DEVICE, AND CORRESPONDING ELECTRONIC DEVICE |
US20170344975A1 (en) * | 2016-05-31 | 2017-11-30 | Ncr Corporation | Currency acquisition devices, systems, and methods |
US11250414B2 (en) | 2019-08-02 | 2022-02-15 | Omnyway, Inc. | Cloud based system for engaging shoppers at or near physical stores |
US11468432B2 (en) | 2019-08-09 | 2022-10-11 | Omnyway, Inc. | Virtual-to-physical secure remote payment to a physical location |
CA3124502A1 (en) * | 2020-07-13 | 2022-01-13 | Royal Bank Of Canada | Secure identity data tokenization and processing |
Family Cites Families (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8200980B1 (en) * | 2001-09-21 | 2012-06-12 | Open Invention Network, Llc | System and method for enrolling in a biometric system |
WO2012082795A1 (en) * | 2010-12-13 | 2012-06-21 | Magtek, Inc. | Systems and methods for conducting contactless payments using a mobile and a magstripe payment card |
US8818867B2 (en) * | 2011-11-14 | 2014-08-26 | At&T Intellectual Property I, L.P. | Security token for mobile near field communication transactions |
US8893250B2 (en) * | 2012-02-10 | 2014-11-18 | Protegrity Corporation | Tokenization in mobile environments |
US8620790B2 (en) * | 2013-07-11 | 2013-12-31 | Scvngr | Systems and methods for dynamic transaction-payment routing |
-
2014
- 2014-12-18 CA CA2934342A patent/CA2934342C/en active Active
- 2014-12-18 WO PCT/US2014/071152 patent/WO2015095517A1/en active Application Filing
- 2014-12-18 EP EP14871567.5A patent/EP3084702A4/en not_active Withdrawn
- 2014-12-18 CA CA3184377A patent/CA3184377A1/en active Pending
Non-Patent Citations (1)
Title |
---|
No further relevant documents disclosed * |
Also Published As
Publication number | Publication date |
---|---|
CA3184377A1 (en) | 2015-06-25 |
CA2934342A1 (en) | 2015-06-25 |
CA2934342C (en) | 2023-02-28 |
EP3084702A1 (en) | 2016-10-26 |
WO2015095517A1 (en) | 2015-06-25 |
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Legal Events
Date | Code | Title | Description |
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PUAI | Public reference made under article 153(3) epc to a published international application that has entered the european phase |
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Effective date: 20160623 |
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AX | Request for extension of the european patent |
Extension state: BA ME |
|
RIC1 | Information provided on ipc code assigned before grant |
Ipc: G06Q 20/40 20120101AFI20161010BHEP Ipc: G06Q 30/06 20120101ALI20161010BHEP Ipc: H04L 29/06 20060101ALI20161010BHEP |
|
RIN1 | Information on inventor provided before grant (corrected) |
Inventor name: POOLE, THOMAS, S. Inventor name: MORETON, PAUL, YOUNG Inventor name: NICZYPORUK, JANUSZ, MICHAEL |
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DAX | Request for extension of the european patent (deleted) | ||
A4 | Supplementary search report drawn up and despatched |
Effective date: 20171013 |
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RIC1 | Information provided on ipc code assigned before grant |
Ipc: G06Q 50/00 20120101ALI20171009BHEP Ipc: G06Q 20/02 20120101ALI20171009BHEP Ipc: G06Q 20/40 20120101AFI20171009BHEP Ipc: G06Q 30/02 20120101ALI20171009BHEP Ipc: G06Q 20/20 20120101ALI20171009BHEP Ipc: G06Q 20/38 20120101ALI20171009BHEP Ipc: G06Q 20/32 20120101ALI20171009BHEP Ipc: H04L 29/06 20060101ALI20171009BHEP Ipc: G06Q 30/06 20120101ALI20171009BHEP Ipc: H04W 4/00 20090101ALI20171009BHEP |
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STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: EXAMINATION IS IN PROGRESS |
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17Q | First examination report despatched |
Effective date: 20200304 |
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STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: EXAMINATION IS IN PROGRESS |
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STAA | Information on the status of an ep patent application or granted ep patent |
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