CA3198159C - Traitement accelere de transactions de paiement electronique - Google Patents

Traitement accelere de transactions de paiement electronique

Info

Publication number
CA3198159C
CA3198159C CA3198159A CA3198159A CA3198159C CA 3198159 C CA3198159 C CA 3198159C CA 3198159 A CA3198159 A CA 3198159A CA 3198159 A CA3198159 A CA 3198159A CA 3198159 C CA3198159 C CA 3198159C
Authority
CA
Canada
Prior art keywords
payment
response
transaction
request
additional
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
CA3198159A
Other languages
English (en)
Other versions
CA3198159A1 (fr
Inventor
David Terra
Koun Han
Michael Wells White
Original Assignee
Block 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 US15/197,708 external-priority patent/US9785930B1/en
Priority claimed from US15/197,711 external-priority patent/US10417628B2/en
Application filed by Block Inc filed Critical Block Inc
Priority to CA3198159A priority Critical patent/CA3198159C/fr
Publication of CA3198159A1 publication Critical patent/CA3198159A1/fr
Application granted granted Critical
Publication of CA3198159C publication Critical patent/CA3198159C/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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • 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
    • 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
    • G06Q20/34—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
    • 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/12—Card verification
    • G07F7/127—Card verification in which both online and offline card verification can take place

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Heat Sensitive Colour Forming Recording (AREA)
  • Pinball Game Machines (AREA)

Abstract

Dans un mode de traitement accéléré, un terminal de paiement peut recevoir une demande de traitement d’informations de paiement électronique provenant d’une carte à puce. Le terminal de paiement peut transmettre une demande d’adhésion. Si un utilisateur accepte, le terminal de paiement peut recevoir une demande de paiement et demander une réponse de paiement électronique de la carte à puce. Le terminal de paiement peut recevoir la réponse de paiement électronique provenant de la carte à puce et la stocker en mémoire au niveau du terminal de paiement. Le terminal de paiement peut approuver la transaction de paiement associée à la réponse de paiement électronique, ce qui permet de retirer la carte à puce du terminal de paiement. Le terminal de paiement peut traiter d’autres demandes de paiement et associer des indicateurs de type de paiement et de temps à chaque réponse de paiement électronique. Il peut transmettre des demandes d’approbation à un ou plusieurs serveurs de paiement lorsqu’il détermine qu’elles peuvent être transmises, et, pour chaque demande, recevoir une réponse d’approbation de paiement.
CA3198159A 2016-06-29 2017-06-29 Traitement accelere de transactions de paiement electronique Active CA3198159C (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CA3198159A CA3198159C (fr) 2016-06-29 2017-06-29 Traitement accelere de transactions de paiement electronique

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US15/197,708 2016-06-29
US15/197,708 US9785930B1 (en) 2016-06-29 2016-06-29 Expedited processing of electronic payment transactions
US15/197,711 2016-06-29
US15/197,711 US10417628B2 (en) 2016-06-29 2016-06-29 Multi-interface processing of electronic payment transactions
CA3198159A CA3198159C (fr) 2016-06-29 2017-06-29 Traitement accelere de transactions de paiement electronique
CA3027611A CA3027611C (fr) 2016-06-29 2017-06-29 Traitement accelere de transactions de paiement electronique

Related Parent Applications (1)

Application Number Title Priority Date Filing Date
CA3027611A Division CA3027611C (fr) 2016-06-29 2017-06-29 Traitement accelere de transactions de paiement electronique

Publications (2)

Publication Number Publication Date
CA3198159A1 CA3198159A1 (fr) 2018-01-04
CA3198159C true CA3198159C (fr) 2025-08-05

Family

ID=59337893

Family Applications (2)

Application Number Title Priority Date Filing Date
CA3027611A Active CA3027611C (fr) 2016-06-29 2017-06-29 Traitement accelere de transactions de paiement electronique
CA3198159A Active CA3198159C (fr) 2016-06-29 2017-06-29 Traitement accelere de transactions de paiement electronique

Family Applications Before (1)

Application Number Title Priority Date Filing Date
CA3027611A Active CA3027611C (fr) 2016-06-29 2017-06-29 Traitement accelere de transactions de paiement electronique

Country Status (5)

Country Link
EP (1) EP3479326A1 (fr)
JP (1) JP6731080B2 (fr)
AU (3) AU2017290124A1 (fr)
CA (2) CA3027611C (fr)
WO (1) WO2018005717A1 (fr)

Families Citing this family (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10248940B1 (en) 2015-09-24 2019-04-02 Square, Inc. Modular firmware for transaction system
US10108412B2 (en) 2016-03-30 2018-10-23 Square, Inc. Blocking and non-blocking firmware update
US10417628B2 (en) 2016-06-29 2019-09-17 Square, Inc. Multi-interface processing of electronic payment transactions
US10817869B2 (en) 2016-06-29 2020-10-27 Square, Inc. Preliminary enablement of transaction processing circuitry
US11010765B2 (en) 2016-06-29 2021-05-18 Square, Inc. Preliminary acquisition of payment information
JP2020021186A (ja) * 2018-07-31 2020-02-06 富士通株式会社 トランザクション制御装置、トランザクション制御プログラムおよびトランザクション制御方法
CN110969519A (zh) * 2018-09-30 2020-04-07 上海柠睿企业服务合伙企业(有限合伙) 信息审核方法、装置、系统、终端、服务器及存储介质
US11049095B2 (en) 2018-12-21 2021-06-29 Square, Inc. Point of sale (POS) systems and methods with dynamic kernel selection
US10990969B2 (en) 2018-12-21 2021-04-27 Square, Inc. Point of sale (POS) systems and methods for dynamically processing payment data based on payment reader capability
US10762196B2 (en) 2018-12-21 2020-09-01 Square, Inc. Point of sale (POS) systems and methods with dynamic kernel selection
CN111249281B (zh) * 2020-03-26 2020-11-24 徐州医科大学 Trpml1特异性小分子抑制剂ml-si3的新用途

Family Cites Families (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR0146624B1 (ko) * 1994-12-19 1998-09-15 김광호 신용거래용 카드 및 이를 이용한 신용거래장치 및 방법
US8548927B2 (en) * 2001-07-10 2013-10-01 Xatra Fund Mx, Llc Biometric registration for facilitating an RF transaction
KR20030086818A (ko) * 2002-05-07 2003-11-12 코리아까르떼코뮤니케이션 주식회사 오프라인 거래가 가능한 신용 지불 처리 방법 및 시스템
US20080203170A1 (en) * 2007-02-28 2008-08-28 Visa U.S.A. Inc. Fraud prevention for transit fare collection
JP2010244248A (ja) * 2009-04-03 2010-10-28 Dainippon Printing Co Ltd Ｉｃチップ及びデータ記憶方法等
US20100306076A1 (en) * 2009-05-29 2010-12-02 Ebay Inc. Trusted Integrity Manager (TIM)
US9911154B2 (en) * 2010-07-08 2018-03-06 Mastercard International Incorporated Apparatus and method for dynamic offline balance management for preauthorized smart cards
AU2013207817B2 (en) * 2012-01-13 2016-04-28 Paypal, Inc. Systems, methods, and computer program products providing payment in cooperation with EMV card readers
US11222329B2 (en) * 2012-11-05 2022-01-11 Mastercard International Incorporated Electronic wallet apparatus, method, and computer program product
GB2519798B (en) * 2013-10-30 2017-06-07 Barclays Bank Plc Transaction authentication
KR101492054B1 (ko) * 2013-11-08 2015-02-10 한국정보통신주식회사 카드 리더, 단말기 및 그를 이용한 결제 정보 처리 방법
CA2927135A1 (fr) * 2013-11-27 2015-06-04 Facebook, Inc. Procedes et systemes pour obtenir l'identification d'un marchand dans des reseaux avec autorisation de paiement
JP6124034B2 (ja) * 2015-10-08 2017-05-10 パナソニックＩｐマネジメント株式会社 取引処理装置、取引処理方法、プログラム及び取引処理システム

Also Published As

Publication number Publication date
JP2019527873A (ja) 2019-10-03
CA3027611C (fr) 2023-06-27
AU2017290124A1 (en) 2019-01-31
CA3198159A1 (fr) 2018-01-04
AU2023200488A1 (en) 2023-03-02
JP6731080B2 (ja) 2020-07-29
AU2021201114A1 (en) 2021-03-11
WO2018005717A1 (fr) 2018-01-04
CA3027611A1 (fr) 2018-01-04
EP3479326A1 (fr) 2019-05-08

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US9785930B1 (en) Expedited processing of electronic payment transactions
US10417628B2 (en) Multi-interface processing of electronic payment transactions
US20250307800A1 (en) Preliminary enablement of transaction processing circuitry
CA3027611C (fr) Traitement accelere de transactions de paiement electronique
US20240296438A1 (en) Multi-source transaction processing
AU2017290567B2 (en) Preliminary transaction processing techniques
US11010765B2 (en) Preliminary acquisition of payment information
EP3563328B1 (fr) Acquisition et traitement d'objets de données partielles
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