CA2950745A1 - Equipement de communication en champ proche ameliore - Google Patents

Equipement de communication en champ proche ameliore Download PDF

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Publication number
CA2950745A1
CA2950745A1 CA2950745A CA2950745A CA2950745A1 CA 2950745 A1 CA2950745 A1 CA 2950745A1 CA 2950745 A CA2950745 A CA 2950745A CA 2950745 A CA2950745 A CA 2950745A CA 2950745 A1 CA2950745 A1 CA 2950745A1
Authority
CA
Canada
Prior art keywords
attachment
secure
mobile device
account
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.)
Granted
Application number
CA2950745A
Other languages
English (en)
Other versions
CA2950745C (fr
Inventor
Thomas Seeger Poole
Paul Young Moreton
Lawrence H. Douglas
Anthony SWIDLER, III
Christopher Thomas Clarke
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.)
Capital One Financial Corp
Original Assignee
Capital One Financial Corp
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 US14/290,347 external-priority patent/US9105025B2/en
Application filed by Capital One Financial Corp filed Critical Capital One Financial Corp
Priority to CA3050132A priority Critical patent/CA3050132C/fr
Publication of CA2950745A1 publication Critical patent/CA2950745A1/fr
Application granted granted Critical
Publication of CA2950745C publication Critical patent/CA2950745C/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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
    • 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
    • G06Q20/38—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)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Telephone Function (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Structure Of Receivers (AREA)
  • Support Of Aerials (AREA)
  • Details Of Aerials (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

L'invention concerne un porte-clé sécurisé qui permet à un utilisateur de payer un ou plusieurs articles sans avoir à présenter un dispositif mobile. Un porte-clé sécurisé peut comprendre une capacité de proximité afin de garantir qu'un dispositif mobile se trouve dans une portée particulière, ce qui permet d'éliminer le risque de débits frauduleux sur un porte-clé volé. Dans un tel mode de réalisation, un porte-clé peut être désactivé si le porte-clé n'est pas apparié avec le dispositif mobile en raison du fait qu'il est déconnecté et/ou physiquement séparé du dispositif mobile. Le porte-clé sécurisé peut également comprendre des fonctionnalités améliorées permettant d'autoriser des transactions et de localiser le dispositif mobile et/ou le porte-clé sécurisé.
CA2950745A 2014-05-29 2015-05-28 Equipement de communication en champ proche ameliore Active CA2950745C (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CA3050132A CA3050132C (fr) 2014-05-29 2015-05-28 Equipement de communication en champ proche ameliore

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US14/290,347 US9105025B2 (en) 2011-10-17 2014-05-29 Enhanced near field communications attachment
US14/290,347 2014-05-29
PCT/US2015/032931 WO2015184114A1 (fr) 2014-05-29 2015-05-28 Équipement de communication en champ proche amélioré

Related Child Applications (1)

Application Number Title Priority Date Filing Date
CA3050132A Division CA3050132C (fr) 2014-05-29 2015-05-28 Equipement de communication en champ proche ameliore

Publications (2)

Publication Number Publication Date
CA2950745A1 true CA2950745A1 (fr) 2015-12-03
CA2950745C CA2950745C (fr) 2021-08-10

Family

ID=54699790

Family Applications (3)

Application Number Title Priority Date Filing Date
CA3050132A Active CA3050132C (fr) 2014-05-29 2015-05-28 Equipement de communication en champ proche ameliore
CA3169662A Active CA3169662C (fr) 2014-05-29 2015-05-28 Équipement de communication en champ proche amélioré
CA2950745A Active CA2950745C (fr) 2014-05-29 2015-05-28 Equipement de communication en champ proche ameliore

Family Applications Before (2)

Application Number Title Priority Date Filing Date
CA3050132A Active CA3050132C (fr) 2014-05-29 2015-05-28 Equipement de communication en champ proche ameliore
CA3169662A Active CA3169662C (fr) 2014-05-29 2015-05-28 Équipement de communication en champ proche amélioré

Country Status (4)

Country Link
EP (1) EP3164840A4 (fr)
CA (3) CA3050132C (fr)
IL (1) IL249272A0 (fr)
WO (1) WO2015184114A1 (fr)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
SE542197C2 (en) 2016-02-09 2020-03-10 Izettle Merchant Services Ab Card reader terminal with external contactless antenna
SE540771C2 (en) * 2017-03-20 2018-11-06 Izettle Merchant Services Ab Point of sale system and method for contactless payment
US12147795B2 (en) * 2020-04-06 2024-11-19 Bank Of Montreal Systems and methods for automated digital enrollment
US11887103B2 (en) 2022-05-10 2024-01-30 Capital One Services, Llc System and method for facilitating transaction account provisioning
US11810123B1 (en) * 2022-05-10 2023-11-07 Capital One Services, Llc System and method for card present account provisioning

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7762470B2 (en) * 2003-11-17 2010-07-27 Dpd Patent Trust Ltd. RFID token with multiple interface controller
WO2010128442A2 (fr) * 2009-05-03 2010-11-11 Logomotion, S.R.O. Terminal de paiement utilisant un dispositif de communication mobile, tel qu'un téléphone mobile, procédé de transaction de paiement par débit direct
US9183490B2 (en) * 2011-10-17 2015-11-10 Capital One Financial Corporation System and method for providing contactless payment with a near field communications attachment
US9799027B2 (en) * 2012-01-19 2017-10-24 Mastercard International Incorporated System and method to enable a network of digital wallets
US20130246259A1 (en) * 2012-03-15 2013-09-19 Firethorn Mobile, Inc. System and method for managing payment in transactions with a pcd

Also Published As

Publication number Publication date
IL249272A0 (en) 2017-02-28
CA3169662C (fr) 2025-07-08
EP3164840A1 (fr) 2017-05-10
CA3169662A1 (fr) 2015-12-03
CA3050132C (fr) 2022-10-11
CA3050132A1 (fr) 2015-12-03
EP3164840A4 (fr) 2018-06-27
CA2950745C (fr) 2021-08-10
WO2015184114A1 (fr) 2015-12-03

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CA2950745C (fr) Equipement de communication en champ proche ameliore

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