JP6386190B2 - 支払カードの使用を管理するための決済システム及び方法 - Google Patents
支払カードの使用を管理するための決済システム及び方法 Download PDFInfo
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- 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
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- G—PHYSICS
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- 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]
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- 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
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- 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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
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- 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
-
- G—PHYSICS
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- 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
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- 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
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- 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
- G06Q20/353—Payments by cards read by M-devices
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- 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
- G06Q20/356—Aspects of software for card payments
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- 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
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3572—Multiple accounts on card
-
- 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
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3574—Multiple applications on card
-
- 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
- G06Q20/405—Establishing or using transaction specific rules
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- 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
- G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
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Description
本出願は、2014年9月22日出願の英国特許明細書第1416734.0号の外国優先権を主張するものであり、その完全な開示はすべての目的に対してその全体で参照によりここに明示的に組み込まれる。
Claims (20)
- モバイル装置においてモバイル装置に記憶されている好適な決済アプリケーションを業者に割り当てる方法であって、
モバイル装置において業者の選択を受信するステップ、
好適な決済アプリケーションの選択を受信するステップ、
前記決済アプリケーション識別するアプリケーション識別子及び業者識別子を含むレコードを作成することによって前記決済アプリケーションを前記業者にマッピングするステップ及び
前記モバイル装置が低電力モードでのため、前記モバイル装置のユーザがおサイフアプリケーションを介してトランザクションの決済アプリケーションを手動選択できない場合に、前記トランザクションの業者にマッピングされた前記決済アプリケーションを使用して前記トランザクションを処理するステップ
を備える方法。 - 端末からレコード要求メッセージを受信するステップ、及び
前記アプリケーション識別子及び前記業者識別子を含むレコードを端末に送信するステップ
をさらに備える、請求項1に記載の方法。 - 端末からレコード要求メッセージを受信するステップ、及び
複数のレコードを送信するステップであって、各レコードがアプリケーション識別子を含み、少なくとも1つのレコードが業者識別子を含むステップ
をさらに備える、請求項1に記載の方法。 - 前記業者識別子が、固有の業者、固有の端末又は業者のグループの1つを識別する、
請求項1から3のいずれか1項に記載の方法。 - 前記業者識別子が業者カテゴリコードを使用して業者のグループを識別する、
請求項4に記載の方法。 - 前記モバイル装置において業者の選択を受信する前記ステップが前記モバイル装置のユーザインターフェースを介してユーザからの入力を受信するステップを備える、
請求項1から5のいずれか1項に記載の方法。 - 前記モバイル装置において好適な決済アプリケーションの選択を受信する前記ステップが前記モバイル装置のユーザインターフェースを介してユーザからの入力を受信するステップを備える、
請求項1から6のいずれか1項に記載の方法。 - アプリケーション識別子及び業者識別子を含むレコードを作成する前記ステップが前記アプリケーション識別子を含むレコードに業者識別子を付加するステップを備える、
請求項1から7のいずれか1項に記載の方法。 - 端末においてモバイル装置に記憶されている決済アプリケーションを選択する方法であって、
前記モバイル装置にレコード要求メッセージを送信するステップ、
前記モバイル装置から1以上のレコードを受信するステップ、
前記端末に対応付けられた業者識別子を前記1以上のレコードで検索するステップ、
対応付けられた業者識別子が見つかった場合、前記対応付けられた業者識別子を含む前記レコードでアプリケーション識別子を検索するステップ、及び
前記モバイル装置が低電力モードでのため、前記モバイル装置のユーザがおサイフアプリケーションを介してトランザクションの決済アプリケーションを手動選択できない場合に、前記アプリケーション識別子によって識別された決済アプリケーションを使用して前記トランザクションを処理するステップ
を備える方法。 - 対応付けられた業者識別子が見つからない場合、トランザクションプロセスを終結するステップをさらに備える、
請求項9に記載の方法。 - 対応付けられた業者識別子が見つからない場合、前記1以上のレコードでデフォルトの決済アプリケーションを検索するステップをさらに備える、
請求項9に記載の方法。 - 前記1以上のレコードでデフォルトの決済アプリケーションを検索する前記ステップが前記端末において標準的プロセスに続いて決済アプリケーションの選択を実行するステップを備える、
請求項11に記載の方法。 - 前記業者識別子が固有の業者、固有の業者位置又は業者のグループの1つを識別する、 請求項9から12のいずれかに記載の方法。
- 前記業者識別子が業者カテゴリコードを使用して業者のグループを識別する、
請求項13に記載の方法。 - 前記業者識別子が輸送業者を識別する、
請求項1から14のいずれか1項に記載の方法。 - 前記モバイル装置がプラスチックカード、携帯電話、腕時計、タブレット、ラップトップ又は家電装置の1つである、
請求項1から15のいずれか1項に記載の方法。 - モバイル装置がセキュア要素による装置及びホストカードエミュレーションによる装置の1つ以上である、
請求項1から16のいずれか1項に記載の方法。 - 前記トランザクションが輸送業者により実行される輸送集約タイプのトランザクションである、
請求項9から17のいずれかに記載の方法。 - 請求項1から8及び請求項16から18のいずれかに記載の前記方法を実行するように構成されたモバイル装置。
- 請求項9から15のいずれかに記載の前記方法を実行するように構成された端末。
Applications Claiming Priority (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
GB1416734.0 | 2014-09-22 | ||
GB1416734.0A GB2530345A (en) | 2014-09-22 | 2014-09-22 | Payment systems and methods for managing payment card use |
US14/857,976 US11455612B2 (en) | 2014-09-22 | 2015-09-18 | Payment systems and methods for managing payment card use |
US14/857,976 | 2015-09-18 | ||
PCT/US2015/051145 WO2016048863A1 (en) | 2014-09-22 | 2015-09-21 | Payment systems and methods for managing payment card use |
Publications (2)
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JP2017533528A JP2017533528A (ja) | 2017-11-09 |
JP6386190B2 true JP6386190B2 (ja) | 2018-09-05 |
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JP2017535617A Active JP6386190B2 (ja) | 2014-09-22 | 2015-09-21 | 支払カードの使用を管理するための決済システム及び方法 |
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US (2) | US11455612B2 (ja) |
EP (1) | EP3198538A4 (ja) |
JP (1) | JP6386190B2 (ja) |
KR (2) | KR102117977B1 (ja) |
CN (1) | CN107004189B (ja) |
AU (2) | AU2015321656A1 (ja) |
BR (1) | BR112017005634A2 (ja) |
CA (1) | CA2961898A1 (ja) |
GB (1) | GB2530345A (ja) |
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2015
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EP3198538A4 (en) | 2018-04-25 |
AU2018264139A1 (en) | 2018-12-06 |
EP3198538A1 (en) | 2017-08-02 |
CN107004189B (zh) | 2021-06-22 |
US20160140535A1 (en) | 2016-05-19 |
KR20190047120A (ko) | 2019-05-07 |
BR112017005634A2 (pt) | 2018-06-26 |
JP2017533528A (ja) | 2017-11-09 |
CN107004189A (zh) | 2017-08-01 |
KR20170059467A (ko) | 2017-05-30 |
AU2015321656A1 (en) | 2017-04-13 |
GB201416734D0 (en) | 2014-11-05 |
GB2530345A (en) | 2016-03-23 |
US20220414636A1 (en) | 2022-12-29 |
CA2961898A1 (en) | 2016-03-31 |
KR102117977B1 (ko) | 2020-06-02 |
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