CA3184377C - Systemes et methodes pour generer des offres a partir de paiements sans contact mis en jetons - Google Patents

Systemes et methodes pour generer des offres a partir de paiements sans contact mis en jetons

Info

Publication number
CA3184377C
CA3184377C CA3184377A CA3184377A CA3184377C CA 3184377 C CA3184377 C CA 3184377C CA 3184377 A CA3184377 A CA 3184377A CA 3184377 A CA3184377 A CA 3184377A CA 3184377 C CA3184377 C CA 3184377C
Authority
CA
Canada
Prior art keywords
token
mobile device
transaction
data
merchant
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
CA3184377A
Other languages
English (en)
Other versions
CA3184377A1 (fr
Inventor
Janusz Michael NICZYPORUK
Thomas S. POOLE
Paul Young MORETON
Original Assignee
Capital One Services LLC
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 US14/132,508 external-priority patent/US10482457B2/en
Application filed by Capital One Services LLC filed Critical Capital One Services LLC
Priority to CA3184377A priority Critical patent/CA3184377C/fr
Publication of CA3184377A1 publication Critical patent/CA3184377A1/fr
Application granted granted Critical
Publication of CA3184377C publication Critical patent/CA3184377C/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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/40—Business processes related to social networking or social networking services
    • 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
    • G06Q20/08—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]
    • 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
    • G06Q20/32—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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • G06Q20/326—Payment applications installed on the mobile 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
    • G06Q20/3278—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
    • G06Q20/384—Payment protocols; Details thereof using social networks
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0224—Discounts or incentives, e.g. coupons or rebates based on user history
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Computer Security & Cryptography (AREA)
  • Marketing (AREA)
  • Game Theory and Decision Science (AREA)
  • Human Resources & Organizations (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Des systèmes et des méthodes de génération d’offres de financement en temps réel, basés sur des paiements sans contact convertis en jetons, sont décrits. En combinant les éléments de données du compte client avec les identifiants de paiement convertis en jetons, les différents modes de réalisation décrits ici offrent des fonctionnalités supplémentaires pour les opérations financières. Un premier jeton à usage unique peut être transmis à un appareil mobile pour être utilisé dans le cadre d’une transaction, et un paquet de paiement dynamique peut être renvoyé à un système émetteur une fois l’opération terminée. Le système émetteur peut transmettre le paquet de paiement dynamique à un système tiers afin d’obtenir des données d’offre basées sur les renseignements de solvabilité du client. Une réponse d’autorisation peut être déterminée à partir des données d’offre et de l’autorisation de l’opération. En réponse à l’envoi d’au moins la réponse d’autorisation à un système du commerçant, l’appareil mobile peut recevoir des options de financement en temps réel liées au paiement de l’opération et à la vente croisée de produits de prêts, en fonction des données d’offre.
CA3184377A 2013-12-18 2014-12-18 Systemes et methodes pour generer des offres a partir de paiements sans contact mis en jetons Active CA3184377C (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CA3184377A CA3184377C (fr) 2013-12-18 2014-12-18 Systemes et methodes pour generer des offres a partir de paiements sans contact mis en jetons

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US14/132,508 US10482457B2 (en) 2011-10-17 2013-12-18 System and method for token-based payments
US14/132,508 2013-12-18
CA2934342A CA2934342C (fr) 2013-12-18 2014-12-18 Systemes et methodes pour generer des offres a partir de paiements sans contact mis en jetons
CA3184377A CA3184377C (fr) 2013-12-18 2014-12-18 Systemes et methodes pour generer des offres a partir de paiements sans contact mis en jetons

Related Parent Applications (1)

Application Number Title Priority Date Filing Date
CA2934342A Division CA2934342C (fr) 2013-12-18 2014-12-18 Systemes et methodes pour generer des offres a partir de paiements sans contact mis en jetons

Publications (2)

Publication Number Publication Date
CA3184377A1 CA3184377A1 (fr) 2015-06-25
CA3184377C true CA3184377C (fr) 2026-04-07

Family

ID=53403691

Family Applications (2)

Application Number Title Priority Date Filing Date
CA2934342A Active CA2934342C (fr) 2013-12-18 2014-12-18 Systemes et methodes pour generer des offres a partir de paiements sans contact mis en jetons
CA3184377A Active CA3184377C (fr) 2013-12-18 2014-12-18 Systemes et methodes pour generer des offres a partir de paiements sans contact mis en jetons

Family Applications Before (1)

Application Number Title Priority Date Filing Date
CA2934342A Active CA2934342C (fr) 2013-12-18 2014-12-18 Systemes et methodes pour generer des offres a partir de paiements sans contact mis en jetons

Country Status (3)

Country Link
EP (1) EP3084702A4 (fr)
CA (2) CA2934342C (fr)
WO (1) WO2015095517A1 (fr)

Families Citing this family (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11574300B1 (en) * 2014-04-30 2023-02-07 Wells Fargo Bank, N.A. Mobile wallet systems and methods using trace identifier using card networks
WO2016164648A1 (fr) 2015-04-07 2016-10-13 NeuPay, Inc. Procédés et systèmes pour l'utilisation d'un dispositif mobile pour effectuer une transaction électronique sécurisée
KR102470570B1 (ko) * 2015-07-14 2022-11-24 삼성전자주식회사 결제 시스템, 전자 장치 및 전자 장치의 결제 방법
WO2017010823A1 (fr) * 2015-07-14 2017-01-19 Samsung Electronics Co., Ltd. Système de paiement, dispositif électronique et son procédé de paiement
FR3051579B1 (fr) * 2016-05-23 2021-11-19 Oberthur Technologies Procede de securisation d'un dispositif electronique, et dispositif electronique correspondant
US20170344975A1 (en) * 2016-05-31 2017-11-30 Ncr Corporation Currency acquisition devices, systems, and methods
US11250414B2 (en) 2019-08-02 2022-02-15 Omnyway, Inc. Cloud based system for engaging shoppers at or near physical stores
US11468432B2 (en) 2019-08-09 2022-10-11 Omnyway, Inc. Virtual-to-physical secure remote payment to a physical location
US11928686B2 (en) * 2020-07-13 2024-03-12 Royal Bank Of Canada Secure identity data tokenization and processing
IL285030B (en) * 2021-07-21 2022-04-01 Nayax Ltd System, device and method for digital payment

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8200980B1 (en) * 2001-09-21 2012-06-12 Open Invention Network, Llc System and method for enrolling in a biometric system
WO2012082795A1 (fr) * 2010-12-13 2012-06-21 Magtek, Inc. Systèmes et procédés pour effectuer des paiements sans contact au moyen d'un mobile et d'une carte de paiement à piste magnétique
US8818867B2 (en) * 2011-11-14 2014-08-26 At&T Intellectual Property I, L.P. Security token for mobile near field communication transactions
US20130212024A1 (en) * 2012-02-10 2013-08-15 Protegrity Corporation Tokenization in distributed payment environments
US8620790B2 (en) * 2013-07-11 2013-12-31 Scvngr Systems and methods for dynamic transaction-payment routing

Also Published As

Publication number Publication date
CA2934342C (fr) 2023-02-28
CA3184377A1 (fr) 2015-06-25
EP3084702A1 (fr) 2016-10-26
WO2015095517A1 (fr) 2015-06-25
CA2934342A1 (fr) 2015-06-25
EP3084702A4 (fr) 2017-11-15

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