EP2815365A4 - Plattformübergreifende konvergierte elektronische geldbörse - Google Patents

Plattformübergreifende konvergierte elektronische geldbörse

Info

Publication number
EP2815365A4
EP2815365A4 EP13784810.7A EP13784810A EP2815365A4 EP 2815365 A4 EP2815365 A4 EP 2815365A4 EP 13784810 A EP13784810 A EP 13784810A EP 2815365 A4 EP2815365 A4 EP 2815365A4
Authority
EP
European Patent Office
Prior art keywords
electronic portfolio
multiple converged
converged platforms
platforms
portfolio
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.)
Ceased
Application number
EP13784810.7A
Other languages
English (en)
French (fr)
Other versions
EP2815365A1 (de
Inventor
Mehmet Pasa
Michael J Friedman
Ngassam Ngnoumen
Celine Martig
Shoshana C Rosenfield
Rupa Subramanian
Zavida Mangaru
John F Cacioppa
Scott Moser
Amyn Dhala
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.)
Mastercard International Inc
Original Assignee
Mastercard International 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 US13/746,904 external-priority patent/US9799027B2/en
Application filed by Mastercard International Inc filed Critical Mastercard International Inc
Publication of EP2815365A1 publication Critical patent/EP2815365A1/de
Publication of EP2815365A4 publication Critical patent/EP2815365A4/de
Ceased legal-status Critical Current

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
    • G06Q20/02—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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • User Interface Of Digital Computer (AREA)
EP13784810.7A 2012-05-04 2013-05-06 Plattformübergreifende konvergierte elektronische geldbörse Ceased EP2815365A4 (de)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US201261642792P 2012-05-04 2012-05-04
US201261642729P 2012-05-04 2012-05-04
US201261642799P 2012-05-04 2012-05-04
US201261642925P 2012-05-04 2012-05-04
US13/746,904 US9799027B2 (en) 2012-01-19 2013-01-22 System and method to enable a network of digital wallets
PCT/US2013/039753 WO2013166507A1 (en) 2012-05-04 2013-05-06 Converged cross-platform electronic wallet

Publications (2)

Publication Number Publication Date
EP2815365A1 EP2815365A1 (de) 2014-12-24
EP2815365A4 true EP2815365A4 (de) 2015-11-18

Family

ID=49514947

Family Applications (1)

Application Number Title Priority Date Filing Date
EP13784810.7A Ceased EP2815365A4 (de) 2012-05-04 2013-05-06 Plattformübergreifende konvergierte elektronische geldbörse

Country Status (5)

Country Link
EP (1) EP2815365A4 (de)
AU (1) AU2013256017B2 (de)
CA (1) CA2864747C (de)
HK (1) HK1204381A1 (de)
WO (1) WO2013166507A1 (de)

Families Citing this family (22)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9691055B2 (en) 2010-12-17 2017-06-27 Google Inc. Digital wallet
AU2014334713A1 (en) * 2013-10-14 2016-05-19 Equifax Inc. Providing identification information to mobile commerce applications
CN103761655B (zh) * 2014-01-07 2017-12-19 张诗悦 一种基于近场通信技术的转让方法、防伪装置和防伪系统
WO2016129863A1 (en) 2015-02-12 2016-08-18 Samsung Electronics Co., Ltd. Payment processing method and electronic device supporting the same
KR102460459B1 (ko) * 2015-02-27 2022-10-28 삼성전자주식회사 전자 장치를 이용한 카드 서비스 방법 및 장치
EP3262582B1 (de) 2015-02-27 2021-03-17 Samsung Electronics Co., Ltd. Elektronische vorrichtung mit elektronischer zahlungsfunktion und betriebsverfahren dafür
US10650374B1 (en) 2015-10-22 2020-05-12 Amdocs Development Limited System, method, and computer program for implementing high performance digital wallets
EP3262584A1 (de) * 2016-02-04 2018-01-03 Samsung Electronics Co., Ltd. Elektronische vorrichtung mit elektronischer zahlungsfunktion und betriebsverfahren dafür
CN108256846A (zh) * 2016-12-28 2018-07-06 航天信息股份有限公司 一种集成支付的方法及系统
US10762495B2 (en) 2016-12-30 2020-09-01 Square, Inc. Third-party access to secure hardware
WO2018191638A1 (en) 2017-04-13 2018-10-18 Equifax, Inc. Location-based detection of unauthorized use of interactive computing environment functions
US11449630B2 (en) 2017-12-14 2022-09-20 Equifax Inc. Embedded third-party application programming interface to prevent transmission of sensitive data
US11055690B2 (en) * 2017-12-21 2021-07-06 Paypal, Inc. Systems and methods employing a router for electronic transactions
EP4035108A4 (de) * 2019-09-27 2023-09-06 Openedge Payments LLC Systeme und verfahren für gleichförmige, plattformübergreifende transaktionen
US12462230B2 (en) * 2020-03-23 2025-11-04 Apple Inc. Technique for providing optimized digital information
US12256305B2 (en) * 2021-10-08 2025-03-18 Comcast Cable Communications, Llc Diverse pathway integration
US12198135B2 (en) * 2021-11-01 2025-01-14 Pyxelchain Technology Corporation Blockchain transaction approval using offline private encryption keys
US11966887B1 (en) * 2022-10-27 2024-04-23 Chime Financial, Inc. Bridging network transaction platforms to unify cross-platform transfers
US12026457B2 (en) * 2022-11-07 2024-07-02 Microsoft Technology Licensing, Llc Utilizing dynamic interface elements to improve user interfaces
US12052155B2 (en) 2022-12-14 2024-07-30 Comcast Cable Communications, Llc Methods, apparatuses, and systems for network accessibility
US12483964B2 (en) 2023-01-05 2025-11-25 Comcast Cable Communications, Llc Multipath communication and control
WO2025059739A1 (pt) * 2023-09-18 2025-03-27 Nobre Tacito Processo e sistema de provimento de serviços de pagamentos para compras realizadas pela internet

Citations (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001016900A2 (en) * 1999-08-31 2001-03-08 American Express Travel Related Services Company, Inc. Methods and apparatus for conducting electronic transactions
WO2001043033A1 (en) * 1999-12-09 2001-06-14 Amazon.Com, Inc. Use of an intermediary to securely provide customer information to third party internet merchants
WO2001061659A1 (en) * 2000-02-16 2001-08-23 Mastercard International Incorporated System and method for conducting electronic commerce with a remote wallet server
EP1168264A2 (de) * 2000-06-30 2002-01-02 Motorola, Inc. Auf einem Server basiertes elektronisches Geldbörsensystem
WO2002005231A2 (en) * 2000-07-11 2002-01-17 Paypal, Inc. System and method for third-party payment processing
WO2002023452A1 (en) * 2000-09-12 2002-03-21 American Express Travel Related Services Company, Inc. Microchip-enabled online transaction system
WO2002025604A1 (en) * 2000-09-19 2002-03-28 Soft Tracks Enterprises Ltd. System and method for unifying electronic payment mechanisms
US20040143550A1 (en) * 2002-12-19 2004-07-22 International Business Machines Corporation Cellular electronic wallet device and method
US20050187883A1 (en) * 1999-08-31 2005-08-25 American Express Travel Related Services Company, Inc. Methods and apparatus for conducting electronic transactions using biometrics
EP1758053A1 (de) * 2005-08-01 2007-02-28 Fujitsu Limited Drahtlose Computergeldbörse für Transaktionen an physischen Verkaufsorten (POS)
US7398250B2 (en) * 2000-09-28 2008-07-08 Microsoft Corporation Method and system for restricting the usage of payment accounts
US20090048887A1 (en) * 1999-11-05 2009-02-19 American Express Travel Related Services Company, Inc. Systems and Methods for Facilitating Transactions Involving an Intermediary
US20110029400A1 (en) * 2009-07-29 2011-02-03 Ebay Inc. No authentication payment and seamless authentication

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002109435A (ja) * 2000-09-28 2002-04-12 Japan Total Design Communication Co Ltd 決済プログラムおよび決済システム
KR100846460B1 (ko) * 2007-02-02 2008-07-16 주식회사 퍼스트포켓 통합전자지갑 서비스를 제공하는 방법 및 서버
JP2009230626A (ja) * 2008-03-25 2009-10-08 Nec Computertechno Ltd 電子マネーの付加サービス情報提供装置及び電子マネー決済端末装置
JP4717123B2 (ja) * 2009-02-13 2011-07-06 東芝テック株式会社 電子決済処理装置およびその制御プログラム

Patent Citations (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050187883A1 (en) * 1999-08-31 2005-08-25 American Express Travel Related Services Company, Inc. Methods and apparatus for conducting electronic transactions using biometrics
WO2001016900A2 (en) * 1999-08-31 2001-03-08 American Express Travel Related Services Company, Inc. Methods and apparatus for conducting electronic transactions
US20090048887A1 (en) * 1999-11-05 2009-02-19 American Express Travel Related Services Company, Inc. Systems and Methods for Facilitating Transactions Involving an Intermediary
WO2001043033A1 (en) * 1999-12-09 2001-06-14 Amazon.Com, Inc. Use of an intermediary to securely provide customer information to third party internet merchants
WO2001061659A1 (en) * 2000-02-16 2001-08-23 Mastercard International Incorporated System and method for conducting electronic commerce with a remote wallet server
EP1168264A2 (de) * 2000-06-30 2002-01-02 Motorola, Inc. Auf einem Server basiertes elektronisches Geldbörsensystem
WO2002005231A2 (en) * 2000-07-11 2002-01-17 Paypal, Inc. System and method for third-party payment processing
WO2002023452A1 (en) * 2000-09-12 2002-03-21 American Express Travel Related Services Company, Inc. Microchip-enabled online transaction system
WO2002025604A1 (en) * 2000-09-19 2002-03-28 Soft Tracks Enterprises Ltd. System and method for unifying electronic payment mechanisms
US7398250B2 (en) * 2000-09-28 2008-07-08 Microsoft Corporation Method and system for restricting the usage of payment accounts
US20040143550A1 (en) * 2002-12-19 2004-07-22 International Business Machines Corporation Cellular electronic wallet device and method
EP1758053A1 (de) * 2005-08-01 2007-02-28 Fujitsu Limited Drahtlose Computergeldbörse für Transaktionen an physischen Verkaufsorten (POS)
US20110029400A1 (en) * 2009-07-29 2011-02-03 Ebay Inc. No authentication payment and seamless authentication

Non-Patent Citations (4)

* Cited by examiner, † Cited by third party
Title
"Cross-platform", 17 April 2012 (2012-04-17), XP055068984, Retrieved from the Internet <URL:http://en.wikipedia.org/w/index.php?title=Cross-platform&oldid=487867404> [retrieved on 20130701] *
See also references of WO2013166507A1 *
WIKIPEDIA: "Google Wallet - Wikipedia, the free encyclopedia", 5 January 2012 (2012-01-05), XP055199462, Retrieved from the Internet <URL:https://en.wikipedia.org/w/index.php?title=Google_Wallet&oldid=469764028> [retrieved on 20150701] *
WIKIPEDIA: "URL redirection - Wikipedia", 20 April 2012 (2012-04-20), XP055325221, Retrieved from the Internet <URL:https://en.wikipedia.org/w/index.php?title=URL_redirection&oldid=488279231> [retrieved on 20161201] *

Also Published As

Publication number Publication date
AU2013256017B2 (en) 2016-05-05
EP2815365A1 (de) 2014-12-24
WO2013166507A1 (en) 2013-11-07
CA2864747C (en) 2017-08-29
CA2864747A1 (en) 2013-11-07
AU2013256017A1 (en) 2014-09-04
HK1204381A1 (zh) 2015-11-13

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RIN1 Information on inventor provided before grant (corrected)

Inventor name: DHALA, AMYN

Inventor name: FRIEDMAN, MICHAEL, J.

Inventor name: ROSENFIELD, SHOSHANA, C.

Inventor name: CACIOPPA, JOHN, F.

Inventor name: SUBRAMANIAN, RUPA

Inventor name: PASA, MEHMET

Inventor name: MANGARU, ZAVIDA

Inventor name: MARTIG, CELINE

Inventor name: MOSER, SCOTT

Inventor name: NGNOUMEN, NGASSAM

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