CA2935177C - Emulation de lecteur de cartes pour transactions sans carte - Google Patents

Emulation de lecteur de cartes pour transactions sans carte Download PDF

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Publication number
CA2935177C
CA2935177C CA2935177A CA2935177A CA2935177C CA 2935177 C CA2935177 C CA 2935177C CA 2935177 A CA2935177 A CA 2935177A CA 2935177 A CA2935177 A CA 2935177A CA 2935177 C CA2935177 C CA 2935177C
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CA
Canada
Prior art keywords
pos
payment
card reader
consumer
receipt
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
CA2935177A
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English (en)
Other versions
CA2935177A1 (fr
Inventor
Robert Lee
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 US14/187,049 external-priority patent/US9037491B1/en
Application filed by Square Inc filed Critical Square Inc
Publication of CA2935177A1 publication Critical patent/CA2935177A1/fr
Application granted granted Critical
Publication of CA2935177C publication Critical patent/CA2935177C/fr
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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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
    • G06Q20/08—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 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
    • G06Q20/04—Payment circuits
    • G06Q20/047—Payment circuits using payment protocols involving electronic receipts
    • 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
    • G06Q20/08—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 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]
    • 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
    • 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
    • G06Q20/34—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 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
    • G06Q20/38—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)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé et un appareil qui permettent qu'une transaction de paiement sans carte soit exécutée depuis un système de point de vente (PDV) marchand. Un utilisateur est autorisé à s'inscrire chez un marchand en utilisant un dispositif mobile de l'utilisateur, puis à payer simplement en apparaissant chez le marchand et en mentionnant son nom. Grâce à l'émulation d'événements de lecture de cartes et l'interception d'émissions de l'imprimante de reçus, la technique s'intègre nettement dans un système de PDV marchant traditionnel, sans avoir besoin de logiciel ou de matériel personnalisé pour accommoder des interfaces de programmation d'application (IPV) propriétaires au PDV individuel d'un vendeur.
CA2935177A 2013-12-27 2014-12-23 Emulation de lecteur de cartes pour transactions sans carte Active CA2935177C (fr)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US201361921374P 2013-12-27 2013-12-27
US61/921,374 2013-12-27
US14/187,049 2014-02-21
US14/187,049 US9037491B1 (en) 2013-11-26 2014-02-21 Card reader emulation for cardless transactions
PCT/US2014/072285 WO2015100385A1 (fr) 2013-12-27 2014-12-23 Emulation de lecteur de cartes pour transactions sans carte

Publications (2)

Publication Number Publication Date
CA2935177A1 CA2935177A1 (fr) 2015-07-02
CA2935177C true CA2935177C (fr) 2019-08-13

Family

ID=53479680

Family Applications (1)

Application Number Title Priority Date Filing Date
CA2935177A Active CA2935177C (fr) 2013-12-27 2014-12-23 Emulation de lecteur de cartes pour transactions sans carte

Country Status (5)

Country Link
EP (1) EP3077970A4 (fr)
JP (1) JP6475752B2 (fr)
AU (1) AU2014369891B2 (fr)
CA (1) CA2935177C (fr)
WO (1) WO2015100385A1 (fr)

Families Citing this family (15)

* Cited by examiner, † Cited by third party
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 (fr) * 2015-09-11 2021-01-15 Ingenico Group Procede de transmission de donnees, dispositifs et programmes d'ordinateur correspondants
US9519901B1 (en) 2015-09-16 2016-12-13 Square, Inc. Biometric payment technology
US20170140358A1 (en) * 2015-11-18 2017-05-18 Andrew Orrock Network Bridge for Local Transaction Authorization
US11295293B2 (en) * 2016-01-07 2022-04-05 Worldpay, Llc Point of interaction device emulation for payment transaction simulation
US10062074B1 (en) 2016-11-30 2018-08-28 Square, Inc. System for improving card on file transactions
FR3064787B1 (fr) * 2017-03-31 2019-07-12 Ingenico Group Procede de traitement de donnees par un terminal de paiement, terminal de paiement et programme correspondant
US10997583B1 (en) 2018-08-31 2021-05-04 Square, Inc. Temporarily provisioning card on file payment functionality to proximate merchants
US10878402B1 (en) 2018-08-31 2020-12-29 Square, Inc. Temporarily provisioning payment functionality to alternate payment instrument
FR3087562B1 (fr) * 2018-10-18 2023-06-23 Clean Bill Procede de transmission et conservation de factures ou de tickets de caisse et boitier pour le mettre en oeuvre
WO2020079379A1 (fr) 2018-10-18 2020-04-23 Clean Bill Procédé de transmission et conservation de documents virtuels par rétrofitage d'un terminal d'édition préprogrammé et boitier pour le mettre en oeuvre
US20230196333A1 (en) * 2021-12-21 2023-06-22 Hee Young Park Card payment method and system through application linkage
JP7337423B1 (ja) 2023-01-26 2023-09-04 竜也 中野 サーバー装置、チップ管理方法、チップ管理プログラムおよびプログラム

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JP2002099858A (ja) * 2000-09-26 2002-04-05 Toshiba Tec Corp 決済システム及び決済装置並びに決済方法
JP2003150885A (ja) * 2001-11-15 2003-05-23 Hitachi Ltd 決済システムおよび決済装置
JP2005321873A (ja) * 2004-05-06 2005-11-17 Seiko Epson Corp 電子ジャーナル作成システム、電子ジャーナル作成方法及び電子ジャーナル作成プログラム
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Also Published As

Publication number Publication date
AU2014369891B2 (en) 2017-03-02
AU2014369891A1 (en) 2016-07-14
WO2015100385A1 (fr) 2015-07-02
EP3077970A1 (fr) 2016-10-12
CA2935177A1 (fr) 2015-07-02
JP6475752B2 (ja) 2019-02-27
JP2017510903A (ja) 2017-04-13
EP3077970A4 (fr) 2017-08-16

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