CA2864747C - Converged cross-platform electronic wallet - Google Patents

Converged cross-platform electronic wallet Download PDF

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Publication number
CA2864747C
CA2864747C CA2864747A CA2864747A CA2864747C CA 2864747 C CA2864747 C CA 2864747C CA 2864747 A CA2864747 A CA 2864747A CA 2864747 A CA2864747 A CA 2864747A CA 2864747 C CA2864747 C CA 2864747C
Authority
CA
Canada
Prior art keywords
wallet
digital
cardholder
transaction
wallets
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
CA2864747A
Other languages
English (en)
French (fr)
Other versions
CA2864747A1 (en
Inventor
Mehmet PASA
Michael J. Friedman
Ngassam NGNOUMEN
Celine Martig
Shoshana C. Rosenfield
Rupa SUBRAMANIAN
Zavida MANGARU
John F. Cacioppa
Scott Moser
Amyn DHALA
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.)
Mastercard International Inc
Original Assignee
Mastercard International 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 US13/746,904 external-priority patent/US9799027B2/en
Application filed by Mastercard International Inc filed Critical Mastercard International Inc
Publication of CA2864747A1 publication Critical patent/CA2864747A1/en
Application granted granted Critical
Publication of CA2864747C publication Critical patent/CA2864747C/en
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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • G06Q20/327—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 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • User Interface Of Digital Computer (AREA)
CA2864747A 2012-05-04 2013-05-06 Converged cross-platform electronic wallet Active CA2864747C (en)

Applications Claiming Priority (11)

Application Number Priority Date Filing Date Title
US201261642792P 2012-05-04 2012-05-04
US201261642729P 2012-05-04 2012-05-04
US201261642799P 2012-05-04 2012-05-04
US201261642925P 2012-05-04 2012-05-04
US61/642,925 2012-05-04
US61/642,792 2012-05-04
US61/642,729 2012-05-04
US61/642,799 2012-05-04
US13/746,904 US9799027B2 (en) 2012-01-19 2013-01-22 System and method to enable a network of digital wallets
US13/746,904 2013-01-22
PCT/US2013/039753 WO2013166507A1 (en) 2012-05-04 2013-05-06 Converged cross-platform electronic wallet

Publications (2)

Publication Number Publication Date
CA2864747A1 CA2864747A1 (en) 2013-11-07
CA2864747C true CA2864747C (en) 2017-08-29

Family

ID=49514947

Family Applications (1)

Application Number Title Priority Date Filing Date
CA2864747A Active CA2864747C (en) 2012-05-04 2013-05-06 Converged cross-platform electronic wallet

Country Status (5)

Country Link
EP (1) EP2815365A4 (de)
AU (1) AU2013256017B2 (de)
CA (1) CA2864747C (de)
HK (1) HK1204381A1 (de)
WO (1) WO2013166507A1 (de)

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* Cited by examiner, † Cited by third party
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US9691055B2 (en) 2010-12-17 2017-06-27 Google Inc. Digital wallet
AU2014334713A1 (en) * 2013-10-14 2016-05-19 Equifax Inc. Providing identification information to mobile commerce applications
CN103761655B (zh) * 2014-01-07 2017-12-19 张诗悦 一种基于近场通信技术的转让方法、防伪装置和防伪系统
WO2016129863A1 (en) 2015-02-12 2016-08-18 Samsung Electronics Co., Ltd. Payment processing method and electronic device supporting the same
KR102460459B1 (ko) * 2015-02-27 2022-10-28 삼성전자주식회사 전자 장치를 이용한 카드 서비스 방법 및 장치
EP3262582B1 (de) 2015-02-27 2021-03-17 Samsung Electronics Co., Ltd. Elektronische vorrichtung mit elektronischer zahlungsfunktion und betriebsverfahren dafür
US10650374B1 (en) 2015-10-22 2020-05-12 Amdocs Development Limited System, method, and computer program for implementing high performance digital wallets
EP3262584A1 (de) * 2016-02-04 2018-01-03 Samsung Electronics Co., Ltd. Elektronische vorrichtung mit elektronischer zahlungsfunktion und betriebsverfahren dafür
CN108256846A (zh) * 2016-12-28 2018-07-06 航天信息股份有限公司 一种集成支付的方法及系统
US10762495B2 (en) 2016-12-30 2020-09-01 Square, Inc. Third-party access to secure hardware
WO2018191638A1 (en) 2017-04-13 2018-10-18 Equifax, Inc. Location-based detection of unauthorized use of interactive computing environment functions
US11449630B2 (en) 2017-12-14 2022-09-20 Equifax Inc. Embedded third-party application programming interface to prevent transmission of sensitive data
US11055690B2 (en) * 2017-12-21 2021-07-06 Paypal, Inc. Systems and methods employing a router for electronic transactions
EP4035108A4 (de) * 2019-09-27 2023-09-06 Openedge Payments LLC Systeme und verfahren für gleichförmige, plattformübergreifende transaktionen
US12462230B2 (en) * 2020-03-23 2025-11-04 Apple Inc. Technique for providing optimized digital information
US12256305B2 (en) * 2021-10-08 2025-03-18 Comcast Cable Communications, Llc Diverse pathway integration
US12198135B2 (en) * 2021-11-01 2025-01-14 Pyxelchain Technology Corporation Blockchain transaction approval using offline private encryption keys
US11966887B1 (en) * 2022-10-27 2024-04-23 Chime Financial, Inc. Bridging network transaction platforms to unify cross-platform transfers
US12026457B2 (en) * 2022-11-07 2024-07-02 Microsoft Technology Licensing, Llc Utilizing dynamic interface elements to improve user interfaces
US12052155B2 (en) 2022-12-14 2024-07-30 Comcast Cable Communications, Llc Methods, apparatuses, and systems for network accessibility
US12483964B2 (en) 2023-01-05 2025-11-25 Comcast Cable Communications, Llc Multipath communication and control
WO2025059739A1 (pt) * 2023-09-18 2025-03-27 Nobre Tacito Processo e sistema de provimento de serviços de pagamentos para compras realizadas pela internet

Family Cites Families (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7505941B2 (en) * 1999-08-31 2009-03-17 American Express Travel Related Services Company, Inc. Methods and apparatus for conducting electronic transactions using biometrics
DK1212732T3 (da) * 1999-08-31 2004-06-07 American Express Travel Relate Fremgangsmåder og apparat til gennemförelse af elektroniske transaktioner
US20090048887A1 (en) * 1999-11-05 2009-02-19 American Express Travel Related Services Company, Inc. Systems and Methods for Facilitating Transactions Involving an Intermediary
US7966259B1 (en) * 1999-12-09 2011-06-21 Amazon.Com, Inc. System and methods for facilitating transactions on, and personalizing web pages of, third party web sites
WO2001061659A1 (en) * 2000-02-16 2001-08-23 Mastercard International Incorporated System and method for conducting electronic commerce with a remote wallet server
GB2364482B (en) * 2000-06-30 2002-10-09 Motorola Inc Server-based electronic wallet system
EP1299865A2 (de) * 2000-07-11 2003-04-09 Paypal, Inc. System und verfahren zum verarbeiten von zahlungen durch dritte
AU2001292725A1 (en) * 2000-09-12 2002-03-26 American Express Travel Related Services Company, Inc. Microchip-enabled online transaction system
CA2329895A1 (en) * 2000-09-19 2002-03-19 Soft Tracks Enterprises Ltd. Merchant wallet server
JP2002109435A (ja) * 2000-09-28 2002-04-12 Japan Total Design Communication Co Ltd 決済プログラムおよび決済システム
US7337144B1 (en) * 2000-09-28 2008-02-26 Microsoft Corporation Method and system for restricting the usage of payment accounts
US7784684B2 (en) * 2002-08-08 2010-08-31 Fujitsu Limited Wireless computer wallet for physical point of sale (POS) transactions
US20040143550A1 (en) * 2002-12-19 2004-07-22 International Business Machines Corporation Cellular electronic wallet device and method
KR100846460B1 (ko) * 2007-02-02 2008-07-16 주식회사 퍼스트포켓 통합전자지갑 서비스를 제공하는 방법 및 서버
JP2009230626A (ja) * 2008-03-25 2009-10-08 Nec Computertechno Ltd 電子マネーの付加サービス情報提供装置及び電子マネー決済端末装置
JP4717123B2 (ja) * 2009-02-13 2011-07-06 東芝テック株式会社 電子決済処理装置およびその制御プログラム
US9147210B2 (en) * 2009-07-29 2015-09-29 Paypal, Inc. System and a machine-readable medium for processing an on-line payment without authenticating the user

Also Published As

Publication number Publication date
AU2013256017B2 (en) 2016-05-05
EP2815365A1 (de) 2014-12-24
WO2013166507A1 (en) 2013-11-07
CA2864747A1 (en) 2013-11-07
AU2013256017A1 (en) 2014-09-04
HK1204381A1 (zh) 2015-11-13
EP2815365A4 (de) 2015-11-18

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