CA2841267C - Procede permettant d'effectuer des transactions financieres - Google Patents

Procede permettant d'effectuer des transactions financieres Download PDF

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Publication number
CA2841267C
CA2841267C CA2841267A CA2841267A CA2841267C CA 2841267 C CA2841267 C CA 2841267C CA 2841267 A CA2841267 A CA 2841267A CA 2841267 A CA2841267 A CA 2841267A CA 2841267 C CA2841267 C CA 2841267C
Authority
CA
Canada
Prior art keywords
party
qualified
payment service
mobile device
transaction
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.)
Active
Application number
CA2841267A
Other languages
English (en)
Other versions
CA2841267A1 (fr
Inventor
Jack Dorsey
William Henderson
Brian Grassadonia
James M. Mckelvey
Brian Joseph Niedermeyer
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Block Inc
Original Assignee
Square Inc
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
Priority claimed from US13/179,836 external-priority patent/US20120005039A1/en
Priority claimed from US13/179,832 external-priority patent/US20120005096A1/en
Application filed by Square Inc filed Critical Square Inc
Publication of CA2841267A1 publication Critical patent/CA2841267A1/fr
Application granted granted Critical
Publication of CA2841267C publication Critical patent/CA2841267C/fr
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé permettant d'effectuer une transaction financière avec une probabilité de fraude réduite. Une transaction financière est conclue au moyen de l'instrument de transaction financière d'une première partie pour transférer les fonds. Les informations de l'instrument de transaction financière de la première partie sont envoyées en externe à un dispositif mobile. Les informations de l'instrument de transaction financière sont envoyées par le dispositif mobile à un système de paiement.
CA2841267A 2011-07-11 2012-07-11 Procede permettant d'effectuer des transactions financieres Active CA2841267C (fr)

Applications Claiming Priority (7)

Application Number Priority Date Filing Date Title
US13/179,836 US20120005039A1 (en) 2002-02-05 2011-07-11 Method of conducting financial transactions
US13/179,832 2011-07-11
US13/179,836 2011-07-11
US13/179,832 US20120005096A1 (en) 2002-02-05 2011-07-11 Method of conducting financial transactions
US13/192,147 2011-07-27
US13/192,147 US8615445B2 (en) 2002-02-05 2011-07-27 Method for conducting financial transactions
PCT/US2012/046282 WO2013009891A1 (fr) 2011-07-11 2012-07-11 Procédé permettant d'effectuer des transactions financières

Publications (2)

Publication Number Publication Date
CA2841267A1 CA2841267A1 (fr) 2013-01-17
CA2841267C true CA2841267C (fr) 2017-06-13

Family

ID=47506503

Family Applications (1)

Application Number Title Priority Date Filing Date
CA2841267A Active CA2841267C (fr) 2011-07-11 2012-07-11 Procede permettant d'effectuer des transactions financieres

Country Status (4)

Country Link
EP (1) EP2732413A1 (fr)
AU (1) AU2012281153B2 (fr)
CA (1) CA2841267C (fr)
WO (1) WO2013009891A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US12475453B1 (en) * 2024-06-28 2025-11-18 Bank Of America Corporation Micro-data transfer using a dual transmission network

Families Citing this family (32)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9262757B2 (en) 2002-02-05 2016-02-16 Square, Inc. Method of transmitting information from a card reader with a power supply and wake-up circuit to a mobile device
US9495676B2 (en) 2002-02-05 2016-11-15 Square, Inc. Method of transmitting information from a power efficient card to a mobile device
US9224142B2 (en) 2002-02-05 2015-12-29 Square, Inc. Card reader with power efficient architecture that includes a power supply and a wake up circuit
US9286635B2 (en) 2002-02-05 2016-03-15 Square, Inc. Method of transmitting information from efficient communication protocol card readers to mobile devices
US9305314B2 (en) 2002-02-05 2016-04-05 Square, Inc. Methods of transmitting information to mobile devices using cost effective card readers
US9262777B2 (en) 2002-02-05 2016-02-16 Square, Inc. Card reader with power efficient architecture that includes a wake-up circuit
US9436955B2 (en) 2009-06-10 2016-09-06 Square, Inc. Methods for transferring funds using a payment service where financial account information is only entered once with a payment service and need not be re-entered for future transfers
US9619797B2 (en) 2010-10-13 2017-04-11 Square, Inc. Payment methods with a payment service and tabs selected by a first party and opened by a second party at an geographic location of the first party's mobile device
US9576159B1 (en) 2011-01-24 2017-02-21 Square, Inc. Multiple payment card reader system
US9373112B1 (en) 2012-03-16 2016-06-21 Square, Inc. Ranking of merchants for cardless payment transactions
US11449854B1 (en) 2012-10-29 2022-09-20 Block, Inc. Establishing consent for cardless transactions using short-range transmission
US9264850B1 (en) 2012-11-20 2016-02-16 Square, Inc. Multiple merchants in cardless payment transactions and multiple customers in cardless payment transactions
US9652791B1 (en) 2013-02-08 2017-05-16 Square, Inc. Updating merchant location for cardless payment transactions
US9940616B1 (en) 2013-03-14 2018-04-10 Square, Inc. Verifying proximity during payment transactions
US9704146B1 (en) 2013-03-14 2017-07-11 Square, Inc. Generating an online storefront
US9924322B2 (en) 2013-07-23 2018-03-20 Square, Inc. Computing distances of devices
US10332162B1 (en) 2013-09-30 2019-06-25 Square, Inc. Using wireless beacons for transit systems
US10163148B1 (en) 2013-11-13 2018-12-25 Square, Inc. Wireless beacon shopping experience
US8910868B1 (en) 2013-11-27 2014-12-16 Square, Inc. Firmware management
US9633236B1 (en) 2013-12-11 2017-04-25 Square, Inc. Power harvesting in reader devices
US8931699B1 (en) 2013-12-11 2015-01-13 Square, Inc. Bidirectional audio communication in reader devices
US10198731B1 (en) 2014-02-18 2019-02-05 Square, Inc. Performing actions based on the location of mobile device during a card swipe
US9256769B1 (en) 2014-02-25 2016-02-09 Square, Inc. Mobile reader device
US9569767B1 (en) 2014-05-06 2017-02-14 Square, Inc. Fraud protection based on presence indication
US10304043B1 (en) 2014-05-21 2019-05-28 Square, Inc. Multi-peripheral host device
USD762651S1 (en) 2014-06-06 2016-08-02 Square, Inc. Mobile device case
US9760740B1 (en) 2014-06-23 2017-09-12 Square, Inc. Terminal case with integrated dual reader stack
US9256770B1 (en) 2014-07-02 2016-02-09 Square, Inc. Terminal case with integrated reader and shortened base
US9799025B2 (en) 2014-08-19 2017-10-24 Square, Inc. Energy harvesting bidirectional audio interface
US9355285B1 (en) 2015-02-12 2016-05-31 Square, Inc. Tone-based wake up circuit for card reader
US10410021B1 (en) 2017-12-08 2019-09-10 Square, Inc. Transaction object reader with digital signal input/output and internal audio-based communication
US11087301B1 (en) 2017-12-19 2021-08-10 Square, Inc. Tamper resistant device

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8662384B2 (en) * 2006-02-28 2014-03-04 Google Inc. Text message payment
CA2647602A1 (fr) * 2006-03-30 2008-03-06 Obopay Inc. Systeme de paiement mobile entre deux personnes
US20080249939A1 (en) * 2007-04-03 2008-10-09 Veenstra John W Systems and Methods for Using Interactive Devices for Identification, Security, and Authentication

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US12475453B1 (en) * 2024-06-28 2025-11-18 Bank Of America Corporation Micro-data transfer using a dual transmission network

Also Published As

Publication number Publication date
EP2732413A1 (fr) 2014-05-21
WO2013009891A1 (fr) 2013-01-17
CA2841267A1 (fr) 2013-01-17
AU2012281153A1 (en) 2014-02-27
AU2012281153B2 (en) 2016-04-14

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