DK2909800T3 - Betalingsbehandlingsindretning og fremgangsmåde - Google Patents

Betalingsbehandlingsindretning og fremgangsmåde Download PDF

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Publication number
DK2909800T3
DK2909800T3 DK13848642.8T DK13848642T DK2909800T3 DK 2909800 T3 DK2909800 T3 DK 2909800T3 DK 13848642 T DK13848642 T DK 13848642T DK 2909800 T3 DK2909800 T3 DK 2909800T3
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DK
Denmark
Prior art keywords
payment
user device
information
consumer
backend
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DK13848642.8T
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English (en)
Inventor
Michael Menefee
Gregory W Harvey
Bruce Parker
Aaron Wilkinson
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Modopayments Llc
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Publication of DK2909800T3 publication Critical patent/DK2909800T3/da

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    • 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
    • G06Q20/08—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
    • G06Q20/322—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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • 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

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  • 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)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Claims (14)

1. Betalingsbehandlingsindretning (210) på et handelssted til at behandle betaling fra en forbruger på handelsstedet ved brug afen brugerindretning (510), hvilken indretning (210) omfatter: et tilstedeværelsesdetekteringsmodul (530), som er konfigureret til at detektere tilstedeværelsen af brugerindretningen (510) ved handelsstedet under anvendelse af trådløse signaler fra brugerindretningen (510), hvor de trådløse signaler fra brugerindretningen omfatter information, der er specifik for brugerindretningen (510), hvor et backend-system (540) er indrettet til at sende betalingsinformation til brugerindretningen (510), efter at brugerindretningen (510) er de-tekteret; en ”point-of-sale”-(POS)-grænseflade (1520), der er forbundet til en forhandlers POS-system (550); og et checkoutmodul (520), som er konfigureret til at kommunikere med backend-systemet (540) for at verificere identiteten af brugerindretningen (510) ved hjælp af den information, der er indsamlet fra brugerindretningen af tilstedeværelsesdetekteringsmodulet (530), modtage betalingsinformationen fra brugerindretningen (510) og overføre betalingsinformationen til forhandlerens POS-system (550) ved hjælp af POS-grænsefladen (1520).
2. Betalingsbehandlingsindretning (210) ifølge krav 1, der yderligere omfatter: et kvitteringsmodul (250), som er konfigureret til at opfange en elektronisk version af en transaktionskvittering, der er relateret til betalingsinformationen.
3. Betalingsbehandlingsindretning (210) ifølge krav 1, hvor tilstedeværelsesdetekteringsmodulet (530) yderligere omfatter et Bluetooth-modul, som er konfigureret til at transmittere og modtage signaler til brugerindretningen (510), idet signalerne er konfigureret til at detektere tilstedeværelse.
4. Betalingsbehandlingsindretning (210) ifølge krav 3, hvor signalerne er yderligere konfigureret til at sende en tilbudsmeddelelse til brugerindretningen (510).
5. Betalingsbehandlingsindretning (210) ifølge krav 1, hvor checkoutmodulet (520) yderligere er konfigureret til at forhindre en transaktion mellem brugerindretningen (510) og betalingsbehandlingsindretningen (210), hvis en afstand mellem brugerindretningen (510) og betalingsbehandlingsindretningen (210) er større end en forudbestemt afstand.
6. Betalingsbehandlingsindretning (210) ifølge krav 5, hvor checkoutmodulet (520) er konfigureret til at bestemme afstanden.
7. Betalingsbehandlingsindretning (210) ifølge krav 5, hvor checkoutmodulet (520) yderligere omfatter en dæmper (610), som er konfigureret til at dæmpe signaler, som transmitteres fra checkoutmodulet (520).
8. Betalingsbehandlingsindretning (210) ifølge krav 1, hvor betalingsinformationen omfatter et virtuelt betalingskontonummer (VPAN).
9. Betalingsbehandlingsindretning (210) ifølge krav 1, hvor betalingsinformationen omfatter en transaktionsidentifikator, som er forbundet med et VPAN.
10. Fremgangsmåde til betalingsbehandling mellem en forbruger og en forhandler på handelsstedet ved anvendelse af en forbrugers mobilindretning (510), hvilken fremgangsmåde omfatter følgende trin: detektion af tilstedeværelse af forbrugerens mobilindretning (510) ved handelsstedet ved hjælp af en detekteringsindretning (530) i handelsstedet, hvor detekteringsindretningen (530) er konfigureret til at udveksle trådløse signaler med forbrugerens mobilindretning (510), idet de trådløse signaler omfatter information, der er specifik forforbrugerens mobilindretning (510); underretning via et eksternt netværk (1540) af en backend-indretning (540) om tilstedeværelsen af forbrugerens mobilindretning (510) ved hjælp af en netværksgrænseflade (1530) i detekteringsindretningen (530); afsendelse til forbrugerens mobilindretning (510) af betalingsinformation, som er modtaget fra backend-indretningen (540); modtagelse af betalingsinformationen fra forbrugerens mobilindretning (510) og overførsel af betalingsinformationen til en forhandlers ”point-of-sale”-(POS)-system (550).
11. Fremgangsmåde ifølge krav 10, hvor detektion af tilstedeværelse af forbrugerens mobilindretning (510) omfatter: afsendelse af en Bluetooth-forespørgselsmeddelelse; modtagelse af et svar på Bluetooth-forespørgselsmeddelelsen omfattende en Bluetooth-medieadgangskontrol-(MAC)-adresse på forbrugerens mobilindretning (510); og overførsel af Bluetooth-MAC-adressen til backend-indretningen (540).
12. Fremgangsmåde ifølge krav 10, hvor modtagelse fra forbrugerens mobilindretning (510) af betalingsinformation omfatter modtagelse af et VPAN via én af: en Bluetooth-transmission; en scannet stregkode; en Near Field Communication-(NFC)-transmis-sion; og et brugerinput, som modtages via Short Message service (SMS).
13. System til betalingsbehandling mellem en forbruger og en forhandler på et handelssted, hvilket system omfatter: en brugerindretning (510); og en butiksindretning (500) omfattende: et tilstedeværelsesdetekteringsmodul (530), som er konfigureret til at detektere tilstedeværelse af brugerindretningen (510) ved handelsstedet under anvendelse af trådløse signaler fra brugerindretningen (510), hvor de trådløse signaler fra brugerindretningen omfatter information, der er specifik for brugerindretningen (510), hvor et backend-system (540) er indrettet til at sende betalingsinformation til brugerindretningen (510), efter at brugerindretningen (510) erde-tekteret; en ”point-of-sale”-(POS)-grænseflade (1520), der er forbundet til en forhandlers POS-system (550); og et checkoutmodul (520), som er konfigureret til at kommunikere med backend-systemet (540) for at verificere brugerindretningens (510) identitet ved hjælp af den information, der er indsamlet fra brugerindretningen af tilstedeværelsesdetekteringsmodulet (530), modtage betalingsinformationen fra brugerindretningen (510) og overføre betalingsinformationen til forhandlerens POS-system (550) ved hjælp af POS-grænsefladen (1520).
14. System ifølge krav 13, der yderligere omfatter: en magnetisk kortlæser, som er konfigureret til at: modtage betalingskortinformation og sende betalingskortinformationen til butiksindretningen (500), og hvor butiksindretningen er konfigureret til at transmittere betalingskortinformationen til backend-systemet (540), idet backend-systemet (540) er konfigureret til at lagre betalingskortinformationen som betalingsinformationen.
DK13848642.8T 2012-10-22 2013-10-22 Betalingsbehandlingsindretning og fremgangsmåde DK2909800T3 (da)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US201261716786P 2012-10-22 2012-10-22
US201361887213P 2013-10-04 2013-10-04
PCT/US2013/066233 WO2014066423A1 (en) 2012-10-22 2013-10-22 Payment processing access device and method

Publications (1)

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DK2909800T3 true DK2909800T3 (da) 2017-10-02

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US (1) US20140114780A1 (da)
EP (1) EP2909800B1 (da)
CA (1) CA2888800C (da)
DK (1) DK2909800T3 (da)
WO (1) WO2014066423A1 (da)

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Publication number Publication date
EP2909800B1 (en) 2017-07-19
US20140114780A1 (en) 2014-04-24
WO2014066423A1 (en) 2014-05-01
EP2909800A4 (en) 2016-04-20
CA2888800A1 (en) 2014-05-01
CA2888800C (en) 2021-02-23
EP2909800A1 (en) 2015-08-26

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