WO2014176172A2 - Procédés et appareils de facilitation de transation - Google Patents

Procédés et appareils de facilitation de transation Download PDF

Info

Publication number
WO2014176172A2
WO2014176172A2 PCT/US2014/034821 US2014034821W WO2014176172A2 WO 2014176172 A2 WO2014176172 A2 WO 2014176172A2 US 2014034821 W US2014034821 W US 2014034821W WO 2014176172 A2 WO2014176172 A2 WO 2014176172A2
Authority
WO
WIPO (PCT)
Prior art keywords
transceiver
transaction
account
data
signal
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
PCT/US2014/034821
Other languages
English (en)
Other versions
WO2014176172A3 (fr
Inventor
James Buchheim
Arne Hennig
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.)
Individual
Original Assignee
Individual
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
Application filed by Individual filed Critical Individual
Priority to US14/769,955 priority Critical patent/US20160019512A1/en
Publication of WO2014176172A2 publication Critical patent/WO2014176172A2/fr
Publication of WO2014176172A3 publication Critical patent/WO2014176172A3/fr
Anticipated expiration legal-status Critical
Priority to US15/488,802 priority patent/US20170221043A1/en
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
    • G06Q20/30—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
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable 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
    • G06Q20/326—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
    • G06Q20/30—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
    • G06Q20/353—Payments by cards read by M-devices

Definitions

  • the disclosed and claimed concept relates generally to electronic equipment and, more particularly, to electronic equipment that is usable to facilitate financial transactions and other transactions, as well as associated methods.
  • POS Point Of Sale
  • a purchaser takes goods that are desired to be purchased to a checkout location that typically includes a cash register and a POS credit card terminal that are hard-wired together.
  • the cashier enters the sales transaction into the cash register and calculates a total.
  • the user may pay the needed funds by swiping the magnetic strip of a credit card through the POS terminal and causing the magnetic card reading head to magnetically detect the account information that is stored on the magnetic strip as the strip is translated past the magnetic reading head.
  • the user may be requested to enter a PIN or, for example, the purchaser's ZIP code.
  • the cashier may manually type into the cash register certain information that is displayed on the card itself, such as the last four digits of the credit card number.
  • the invention comprises emulation device comprising a processor apparatus comprising a processor and a storage; an input apparatus structured to provide input signals to the processor apparatus; an output apparatus structured to receive output signals from the processor apparatus and to provide an output based at least in part upon the output signals; the input apparatus comprising a radio frequency (RF) receiver; the output apparatus comprising a magnetic field generator; the storage having stored therein a number of routines which, when executed on the processor, cause the emulation device to perform operations comprising: receiving from another device an RF signal comprising data that is representative of a preexisting account; converting at least a portion of the data into a series of analog signals that are representative of the at least portion of the data; and inputting the series of analog signals into the magnetic field generator to cause the magnetic field generator to generate a time-varying magnetic field that is detectable by a magnetic card reader and that is representative of the account.
  • RF radio frequency
  • the invention comprises a virtual payment card comprising: a support; a processor apparatus disposed on the support and comprising a processor and a storage; an input apparatus disposed on the support and structured to provide input signals to the processor apparatus; an output apparatus disposed on the support and structured to receive output signals from the processor apparatus and to provide an output based at least in part upon the output signals; the input apparatus comprising a radio frequency (RF) receiver; the output apparatus comprising at least one of a dynamically alterable magnetic strip, an RF transmitter, and a visual display; the storage having stored therein a number of routines which, when executed on the processor, cause the emulation device to perform operations comprising: receiving from another device an RF signal comprising data that is representative of a preexisting account; storing at least a portion of the data in the storage; and responsive to a predetermined input, outputting at least one of: an instruction to alter the electromagnetic properties of the magnetic strip to be representative of the account, an RF signal comprising data that is representative of the account,
  • the invention comprises an method of facilitating a transaction, comprising: receiving from a first radio frequency (RF) transceiver a signal that is representative of a proximity thereto of a second RF transceiver and a third RF transceiver, one of the first, second, and third RF transceivers being situated at a transaction terminal; receiving from the second RF transceiver another signal that is representative of a proximity thereto of the first RF transceiver and the third RF transceiver; identifying, based at least in part on the signal and the another signal, a particular RF transceiver from among the other of the first, second, and third RF transceivers as being situated relatively closer to the transaction terminal; receiving data that is representative of a preexisting account which is associated with the particular RF transceiver; and employing at least a portion of the data to complete a transaction on the transaction terminal.
  • RF radio frequency
  • Another aspect of the invention comprises a method of facilitating a transaction, comprising: receiving a first signal from a first radio frequency (RF) transceiver at a first time at which the first RF receiver is within a predetermined proximity of a transaction terminal; associating with the first RF transceiver a first time stamp representative of the first time; receiving a second signal from a second RF transceiver at a second time subsequent to the first time at which the second RF receiver is within a predetermined proximity of a transaction terminal; associating with the second RF transceiver a second time stamp representative of the second time; retrieving a first data set that is representative of a first preexisting account which is associated with the first RF transceiver; employing at least a portion of the first data set to complete a first transaction on the transaction terminal; retrieving a second data set that is representative of a second preexisting account which is associated with the second RF transceiver; and subsequent to the completion of the first transaction, employing at least a
  • the invention comprises a method of facilitating a transaction, comprising: detecting at a pair of locations that are in the vicinity of a transaction terminal and that are at different distances from a radio frequency (RF) transceiver a pair of signal strength values of a signal from the RF transceiver; detecting at the pair of locations another pair of signal strength values of another signal from another RF transceiver; determining that a strength difference between the pair of signal strength values is greater than another strength difference between the another pair of signal strength values; responsive to the determining, concluding that the RF transceiver is relatively closer to the transaction terminal than the another RF transceiver; retrieving data that is representative of a preexisting account which is associated with the RF transceiver; and employing at least a portion of the data to complete a transaction on the transaction terminal.
  • RF radio frequency
  • the system of the invention allows determination of proximity or distance between a customer carrying or holding a device according to the invention in the form of a BLE-enabled credit card or specially programmed BLE-enabled smart phone or wearable device such as a watch or glasses or a tablet computer and a point of sale terminal (POS) which can be in the format of a traditional cash register or a tablet or any other computation device which is programmed to process sale transactions.
  • the proximity calculation can be based on BLE signal strength, which is an especially preferred aspect of the invention.
  • the system allows people in line at a store, airport, hotel check-in counter, and the like to detect and measure each other and determine their sequence in a line using beacon information at the cashier, ticket agent, hotel clerk, and the like, which optionally includes communication with a remote server which stores and processes data to enable this function.
  • BLE BLE enabled smart phones, wearable devices, tablets, or the like which have capability to transmit a unique identifier.
  • the devices of the invention in some embodiments are wearable, for example a BLE-enabled watch, "Google glasses,” or the like.
  • the power source is a battery, a coil, or a source of renewable energy, wherein the device is always on and periodically transmits the encrypted payload at least once every three seconds.
  • the device is in the format of a credit card, debit card, or loyalty card.
  • a point of sale terminal is located within 20 meters of the device, within 10 meters of the device, or within 3 meters of the device, the device being, for example a BLE-enabled credit card, wearable device, or smart phone.
  • the point of sale terminal includes means to send the unique identifier to a remote server which is programmed to authenticate the device and return credit or debit card data which corresponds to the unique identifier in a format such that the point of sale terminal can process a sale and charge the credit card or debit card corresponding to the device.
  • the device includes a display for displaying an image of a credit card.
  • the device includes a magnetic field strip and a coil and is adapted to receive data via the coil.
  • the device is programmed to transmit credit or debit card numbers via the UHF radio waves.
  • the device is in a beacon format with a coil and is located adjacent to a point of sale terminal, optionally next to a magnetic card reader slot.
  • a beacon comprises a coil which is adapted to emulate a credit card swipe which transmits credit card data.
  • the beacon is adapted to communicate with a customer's smart phone and the point of sale terminal, the beacon adapted to calculate based on relative signal strength of a customer's smart phone an approximate distance of the smart phone to the beacon and thereby calculate whether the customer is first in line.
  • the device is programmed to facilitate communication between the beacon and a customer smartphone and/or BLE enabled credit card, wherein the customer smartphone is enabled to send customer credit card data via BLE to the beacon which, in turn, automatically translates and convert the said credit card data into a magnetic field.
  • the system is adapted to calculate which of a plurality of smart phones is closest to the beacon based on signal strength.
  • the system is adapted to authenticate a smart phone user by requiring entry of a PIN number, zip code, phone number, or identification code on the actual POS.
  • a biometric scanner can be used in some embodiments to authenticate a user.
  • a BLE-enabled standalone display on or associated with the point of sale terminal can display a question to ask a customer which must be answered correctly for authentication.
  • the system can be adapted to include voice recognition so that the customer may speak the answer rather than keying it into a device.
  • the system can determine which of device among a plurality of devices is closest to the point of sale terminal or which among the plurality of devices was first in line using comparative signal strength routines.
  • FIG. 1 is a schematic depiction of an improved emulation device in accordance with the disclosed and claimed concept
  • FIG. 2 is a schematic depiction of a POS terminal in connection with which the emulation device of Fig. 1 is advantageously usable;
  • FIG. 3 is another depiction of the POS terminal having the emulation device of
  • FIG. 4 is a schematic depiction of an improved visual display apparatus in accordance with the disclosed and claimed concept that is usable in conjunction with a transaction system;
  • FIG. 5 is a front view of the visual display apparatus of Fig. 4 having an exemplary visual output on its display;
  • Fig. 6 is a schematic depiction of an improved virtual payment card in accordance with the disclosed and claimed concept
  • Fig. 7 is an exemplary depiction of the front of the virtual payment card of
  • Fig. 8 is an exemplary depiction of the rear of the virtual payment card of Fig.
  • Fig. 9 is a depiction of the recording of electronic information stored magnetically on a credit card
  • Fig. 10 is a depiction of the photographing of a front surface of the credit card
  • Fig. 11 is a schematic top plan view of a plurality of electronic devices distributed along a checkout aisle pursuant to the performance of a transaction.
  • Fig. 12 is a schematic depiction of an improved proximity detection apparatus in accordance with the disclosed and claimed concept.
  • EMBODIMENTS An improved emulation device 4 in accordance with the disclosed and claimed concept is depicted in a schematic fashion in Fig. 1 and is also depicted in Fig. 3. As will be set forth in greater detail below, the emulation device 4 is usable in conjunction with a legacy Point Of Sale (POS) terminal that is connected with a transaction system 50. As will also be set forth in greater detail below, the emulation device 4 advantageously enables the POS terminal 28 to have a wireless communication capability without modifying the POS terminal 28.
  • POS Point Of Sale
  • the emulation device 4 can be said to include a support 6 upon which are disposed an input apparatus 8, a processor apparatus 10, and an output apparatus 12.
  • the emulation device 4 further includes a tiny battery 14 or other power source that is situated on the power support 6.
  • the exemplary input apparatus 8 includes a Radio Frequency (RF) receiver 16 which, in the depicted exemplary embodiment, is a receiver component of an RF transceiver that is situated on the support 6.
  • RF Radio Frequency
  • Such an RF transceiver may include the RF receiver 16 and an RF transmitter as separate components, although the RF transceiver could alternatively be configured to share certain elements between its RF receiver component and it RF transmitter component.
  • the RF receiver 16 enables wireless transmissions to be wirelessly received on the emulation device 4.
  • the input apparatus 8 further includes a button 18 that is depicted in an exemplary fashion in Fig. 3.
  • the button 18 is actionable to initiate certain functions, such as the approval of some types of a financial transaction or other transaction, by way of example.
  • Use of the button 18 during the course of a transaction is optional, however, and typically will depend upon factors such as the type of transaction that is being performed and other such factors.
  • the exemplary processor apparatus 10 can be said to include a processor 20 that is connected with a memory 22.
  • the processor 20 can be any of a wide variety of microprocessors or other processors and, in the depicted exemplary embodiment, includes a Bluetooth chip 21.
  • the Bluetooth chip 21 is operable to cause the RF transceiver to provide wireless communications according to the Bluetooth Low Energy (BLE) protocol IEEE 802.15.4, although other RF communications protocols may be employed without departing from the present concept.
  • BLE Bluetooth Low Energy
  • the memory 22 is a storage which can be any of a wide variety of volatile and/or non-volatile storage media and may include RAM, ROM, FLASH, etc. without limitation.
  • the memory 22 has a number of routines 24 stored therein which, when executed on the processor 20, cause the emulation device 4 to perform certain functions as will be set forth in greater detail below.
  • the output apparatus 12 includes a magnetic field generator 26 which is generally in the nature of a magnetic coil that receives output signals from the processor 20 which causes the magnetic field generator 26 to generate a time-varying magnetic field that is detectable by the POS terminal 28.
  • the exemplary POS terminal 28 is a legacy device, meaning that it is already installed and operational with the transaction system 50. As will be set forth in greater detail below, the improved emulation device 4 can be easily added to the POS terminal 28 to enhance its functionality without requiring any modification of the POS terminal 28.
  • the POS terminal 28 can be said to include a support 30 upon which are situated an input apparatus 32, a processor apparatus 34, and an output apparatus 36 as are depicted in a schematic fashion in Fig. 2.
  • the emulation device 4 is received on the support 30.
  • the emulation device 4 may be retained on the support 30 through the use of an adhesive pad that extends between the support 6 and the support 30, although other physical attachment methodologies may be employed without departing from the present concept.
  • the input apparatus 32 includes a magnetic card reader 38 and a keypad 40 that provide input signals to the processor apparatus 34.
  • the POS terminal 28 additionally includes a touch sensitive display 42 that includes an input component 44 that is a part of the input apparatus 32.
  • the touch sensitive display 42 also includes an output component 46 that is a part of the output apparatus 36.
  • the output apparatus 36 further includes a hard-wired connection 48 that is connected with the transaction system 50.
  • the transaction system 50 is additionally connected with a cash register 52 of the type having a keypad, processor apparatus, and the like. While the POS terminal 28 and the cash register 52 are depicted as both being connected directly with the transaction system 50, it is understood that other arrangements and interconnections are possible without departing from the present concept.
  • Fig. 3 depicts the emulation device 4 affixed to an external surface of the support 30 and is situated generally in the vicinity of the magnetic card reader 38.
  • a magnetic strip of a credit card or other type of transaction card has various sectors that are differently magnetized and which are magnetically detected by a card reader such as the magnetic card reader 38. That is, as the card is swiped and the magnetic strip is moved past the card reader, the variously magnetized sectors of the magnetic strip are sequentially magnetically detected by the card reader, and the output from the card reader is interpreted as account data.
  • the processor apparatus 34 provides output signals to the output apparatus 36 to cause the magnetic card reader 38 to generate a time-varying magnetic field that is detectable by the magnetic card reader 38 in the same fashion that the magnetic card reader 38 would sequentially detect the variously magnetized sectors of a magnetic strip of a transaction card. That is, the time-varying magnetic field generated by the magnetic field generator 26 is detectable by the magnetic card reader 38 and causes the magnetic card reader 38 to behave in the same fashion as when a magnetic strip is translated past the magnetic card reader 38.
  • the emulation device 4 is thus operable to emulate a swipe of a transaction card having a magnetic strip past the magnetic card reader 38.
  • the emulation device 4 can facilitate a transaction such as a financial transaction by wirelessly receiving from another device information regarding a preexisting account and then cause the magnetic field generator 28 to output a time-varying magnetic field that is representative of the information and thus is representative of the preexisting account.
  • the emulation device 4 wirelessly communicates with RF transceivers of other electronic devices via BLE, and thus the wireless communication between the emulation device 4 and the other device will typically include a pairing between the other device and the emulation device 4.
  • the processor apparatus 10 can receive via the RF receiver 16 the information or other data that is representative of the preexisting account which the purchaser, i.e., the user of the other device, wishes to employ in conducting the transaction.
  • the processor apparatus 10 employs one or more of the routines 24 to convert the data into a series of analog signals that are representative of the preexisting account and which are output from the processor apparatus 10 and are input to the magnetic field generator 26.
  • the series of analog signals cause the magnetic field generator 26 to generate a time-varying magnetic field that is representative of the preexisting account (or at least is representative of the data that is representative of the account).
  • the time-varying magnetic field is detectable by the magnetic card reader 38 of the POS terminal 28, which causes the information regarding the preexisting account to be input to the transaction system 50 and used in completing a transaction. In so doing, the purchaser may be required to actuate the button 18 in order to authorize the transaction, although this is entirely optional.
  • the cashier may be instructed to enter some type of validation code into the cash register 52 in order to provide final authorization to complete the transaction. In so doing, the cashier may potentially employ an improved virtual display apparatus 54 that is in accordance with the disclosed and claimed concept and that is depicted in Figs. 4 and 5. The exemplary visual display apparatus 54 is depicted in Fig.
  • the visual display apparatus 54 in a schematic fashion as including a support 56 and as further including an input apparatus 58, a processor apparatus 60, and an output apparatus 62 that are situated on the support 56.
  • the visual display apparatus 54 further includes a tiny battery 64 that is situated on the support 56 and that provides electrical power to the various components of the visual display apparatus 54, although other power sources potentially can be used without departing from the present concept.
  • the visual display apparatus 54 can output to the cashier visual information such as a question that the cashier is instructed to ask of the purchaser and the reply to which will be entered by the cashier into the cash register 52.
  • the input apparatus 58 includes an RF receiver 66 which, in the depicted exemplary embodiment, is the receiver component of an RF transceiver.
  • the processor apparatus 60 includes a processor 68 that includes a microprocessor and a Bluetooth chip that causes the RF transceiver to communicate wirelessly according to the BLE protocol.
  • the visual display apparatus 54 can be paired with, for example, the cellular telephone or other wireless electronic device of the user, and an application on the cellular telephone can provide to the visual display apparatus 54 information regarding the material that is to be output.
  • the processor apparatus 60 further includes a memory 70 that acts as a storage and that may include RAM, ROM, FLASH, and the like without limitation.
  • the processor apparatus 60 further includes a number of routines 72 that are stored in the memory 70 and that are executable on the processor 68.
  • routines 72 that are stored in the memory 70 and that are executable on the processor 68.
  • the expression "a number of and variations thereof shall refer broadly to any nonzero quantity, including a quantity of one.
  • the output apparatus 62 includes a display 74 that is situated on the support 56 and that is operable to provide a visual output on the support 56.
  • the exemplary display 74 employs e-paper and/or e-ink technologies or other appropriate technologies. Such technologies advantageously cause the display 74 to consume power only when its visual depiction changes and to consume not power during periods in which the visual depiction or visual display is static. This advantageously enables the battery 64 to last for an extended period of time.
  • the visual display apparatus 54 is depicted in Fig. 5 as outputting the instruction: "ASK FOR PURCHASER'S ZIP CODE.”
  • the instruction that is output on the display 74 is intended to be viewed only by the cashier and is intended to be out of the view of the purchaser.
  • the display 74 may therefore employ some type of feature such as collimation or to be otherwise direction specific in order to avoid viewing by the purchaser.
  • the purchaser's cellular telephone or other wireless device may wirelessly communicate instructions to the RF receiver 66 which provides input to the processor 68 to cause the processor 68 to provide output signals that cause the display 74 to output the instruction that is depicted generally in Fig. 5.
  • the cellular telephone or other wireless device may subsequently also output for viewing by the cashier the correct answer.
  • the cashier Upon receiving from the purchaser the answer to the question posed by the cashier, the cashier can then enter a final authorization for the transaction. Alternatively, the cashier may input the response that was received from the purchaser into the cash register 52 in order to finalize the transaction. It is understood, however, that the display 74 can be instructed to output other information that pertains to the account or other questions requesting information that pertains to the account.
  • the display 74 can be caused to output a visual display such as "HELLO, MR. JOHNSON" if the account owner is male and has a last name of "JOHNSON".
  • a visual display such as "HELLO, MR. JOHNSON"
  • Virtually any type of information that pertains to the use of the account, such as a request for verification information regarding the account or a request to provide details of the account can be driven by wireless output from the purchaser's cellular telephone or other electronic device.
  • the visual display apparatus 54 Since the visual display apparatus 54 is self-contained, meaning that it is self- powered via the battery 64 and includes its own RF communication system and display 74, the visual display apparatus 54 can be provided and installed as a unit either on the cash register 52 or in a location that will enable the visual output on the display 74 to be viewed by the cashier but to be unviewable by the customer.
  • the support 56 can be provided with an adhesive pad that will enable the visual display apparatus 54 to be mounted most anywhere without requiring hard- wired connections with any other devices, which is advantageous.
  • FIG. 6-10 An improved virtual payment card 104 in accordance with the disclosed and claimed concept is depicted in generally in Figs. 6-10.
  • the virtual payment card 104 is an example of a wireless device (as mentioned above as being in the possession of the purchaser) that provides to the visual display apparatus 54 or to the emulation device 4 information or other data regarding a preexisting account that is desired to be used in completing a transaction.
  • the virtual payment card 104 advantageously can store information regarding a plurality of preexisting accounts of various types and is of the size and thickness of a conventional credit card or other transaction card.
  • the exemplary virtual payment card 104 can be said to include a support 108 and to further include an input apparatus 1 12, a processor apparatus 1 16, an output apparatus 120, and a tiny battery 124 situated on the support 108.
  • the support 108 is of a thin and generally planar configuration that is of the thickness and size of a conventional credit card or other transaction card.
  • the virtual payment card 104 further includes an RF transceiver 126 that includes an RF receiver component 128 that is a part of the input apparatus 1 12 and an RF transmitter component 158 that is a part of the output apparatus 120.
  • the input apparatus 1 12 further includes a button 132 that is actuatable to provide input to the processor apparatus 116 and that may be in the form of a mechanical button, a virtual button such as a predefined area on a touch sensitive display, and the like without limitation.
  • a button 132 that is actuatable to provide input to the processor apparatus 116 and that may be in the form of a mechanical button, a virtual button such as a predefined area on a touch sensitive display, and the like without limitation.
  • the processor apparatus 1 16 can be said to include a processor 136 that includes any type of processor, such as a microprocessor, and includes a Bluetooth chip to cause the RF transceiver 126 to operate according to the BLE protocol.
  • the processor apparatus 1 16 further includes a storage in the form of a memory 140 that can be any of a wide variety of storage devices such as RAM, ROM, FLASH, and the like without limitation.
  • the processor apparatus 1 16 further includes a number of routines 144 that are stored in the memory 140 and that are executable on the processor 136 to cause the virtual payment card 104 to perform various operations.
  • the output apparatus 120 further includes a front display 148 on a frontal surface of the support 108 and a rear display 152 on the opposite surface of the support 108.
  • the front and rear displays 148 and 152 are visual displays that provide visual output and that employ, for instance, e-paper and/or e-ink technology or employ other appropriate technology.
  • the output apparatus further includes a dynamically alterable magnetic strip
  • the dynamically alterable magnetic strip 156 has a plurality of sectors that can be altered responsive to output signals from the processor 136 to change the magnetic properties of the various sectors as needed.
  • the magnetic strip 156 is configurable to replicate the magnetic strip of a conventional credit card or other transaction card, and it is dynamically alterable to change its magnetic properties to replicate the magnetic strip of another transaction card as needed.
  • the virtual payment card 104 can be swiped through a card reader, such as the magnetic card reader 38 of the POS terminal 28, with the dynamically alterable magnetic strip 156 being magnetically detected and read by the card reader in a conventional fashion.
  • a card reader such as the magnetic card reader 38 of the POS terminal 28
  • the dynamically alterable magnetic strip 156 being magnetically detected and read by the card reader in a conventional fashion.
  • such information can alternatively be wirelessly communicated to the emulation device 4 by the RF transceiver 126.
  • the virtual payment card 104 can store in its memory 140 information pertaining to plurality of credit cards or other transaction cards for later use. In so doing, a user can simply carry the virtual payment card 104 without needing to carry the other numerous transaction cards that the user might otherwise be required to carry.
  • the routines 144 enable the memory 140 to store not only the account information such as the account number and other information that typically may be stored in the magnetic strip of a transaction card, but can also store images of the front and rear surfaces of such a transaction card and can display the images thereof on the front and rear displays 148 and 152, respectively in conjunction with configuring the dynamically alterable magnetic strip 156 to replicate the magnetic strip of the same transaction card. This is depicted generally in Figs. 7 and 8.
  • a credit card 164 can be swiped through a magnetic strip reader module 160 such that the magnetic strip of the credit card 164 is magnetically detected and read by the magnetic strip reader module and is input to an electronic device such as a cellular telephone 162 or other appropriate device to which the magnetic strip reader module 160 is connected.
  • a routine 144 may be caused to be executed on the processor 136 in order to cause the magnetic content of the magnetic strip of the credit card 164 to be converted into an account number or other information regarding the preexisting account that is represented by the credit card 164.
  • the front and rear surfaces of the credit card 164 can then be photographed by a camera of the cellular telephone 162 by employing a routine 144 that is executed on the processor 136. After being photographed, the images of the front and rear of the credit card 164 can then be output on a display 170 of the cellular telephone 162 for visual confirmation by the user.
  • a wireless Bluetooth transceiver of the cellular telephone 162 can then be paired with the RF transceiver 126 of the virtual payment card 104, whereupon the images and other information pertinent to the preexisting account (the credit card 164 in the depicted exemplary embodiment) can then be wirelessly communicated to the virtual payment card 104 and stored in the memory 140 thereof.
  • the images and account information may be stored in volatile memory so that if the virtual payment card 104 is lost and is disassembled by another person, the loss of battery power will cause the stored account information to be lost prior to misappropriation by the other person.
  • Figs. 7 and 8 depict the default credit card images being depicted on the front and rear displays 148 and 152, and it is reiterated that the dynamically alterable magnetic strip 156 is likewise configured to reflect the account information or other appropriate information pertaining to the default account.
  • the virtual payment card 104 can then be swiped, such as on the POS terminal
  • the dynamically alterable magnetic strip 156 can be magnetically detected and read by the magnetic card reader 38 and the account information detected thereby can be input to the processor apparatus 34.
  • the account information pertaining to the default account can be communicated wirelessly via the RF transceiver 126 being paired with the RF transceiver 16 using the BLE protocol.
  • the information and images pertinent to the various transaction cards are stored in the memory 140, it is understood that in other embodiments the pertinent information and data can be stored in the virtual cloud or elsewhere, if needed, in order to avoid having the stored data falling into the hands of another person if the virtual payment card 104 happens to become lost.
  • the default preexisting account can be changed by the user by actuating the button 132 or taking other appropriate action, whereupon the various accounts can either be simultaneously displayed as icons on the front display 148, or the user potentially could scroll through the various accounts with repeated actuations of the button 132. Furthermore, even if the default preexisting account is not changed, the user can select, by actuating the button 132 a number of times, another preexisting account for use of any given transaction.
  • various electronic devices such as the virtual payment card 104, the cellular telephone 162, and other electronic devices can be employed to wirelessly communicate account information to the emulation device 4 for input into the transaction system 50 via the POS terminal 28.
  • the virtual payment card 104 and a cellular telephone such as the cellular telephone 162 are merely but two examples of Bluetooth enabled wireless devices that can pair with the emulation device 4 and that can provide thereto information regarding a preexisting account that is intended to be used to conduct a transaction. It is understood, however, that the Bluetooth protocol enables the RF transceivers of electronic devices to be simultaneously wirelessly paired with a plurality of other Bluetooth enabled RF transceivers.
  • a proximity detection system 210 is provided which, in various embodiments, is usable to detect which individual from among a plurality of individuals is situated in closest proximity to the POS terminal 28 and to employ the account information from that individual to complete a transaction that is being conducted by that individual with the POS terminal 28.
  • the POS terminal 28 is depicted in Fig. 1 1 as being at the end of a schematically depicted checkout aisle 212. More particularly, a plurality of electronic devices 204A, 204B, and 204C, which may be individually or collectively referred to herein with the numeral 204, are carried by individuals who are standing in line at different distances from the POS terminal 28.
  • the electronic devices 204A, 204B, and 204C each include an RF transceiver 208A, 208B, and 208C, which may be individually or collectively referred to herein with the numeral 208, which is controlled by a Bluetooth chip that operates the RF transceivers 208 according the BLE protocol.
  • the proximity detection system 210 can be said to include a server 220 having a processor apparatus that stores and executes various routines 224 which can resolve signals from the RF transceivers 208 and the RF transceiver 16 of the emulation device 4 situated on the POS terminal 28 into proximity values for each of the electronic devices 204 that are representative of the relative distance of each electronic device 204 from the POS terminal 28.
  • the electronic devices 204 can each have a routine executed thereon that places the RF transceivers 208 into a mode whereby the RF transceivers 208 each alternately scan and operate as beacons, and the RF transceiver 16 of the emulation device 4 situated on the POS terminal 28 can be operated in a likewise fashion.
  • the RF transceivers 16, 208A, 208B, and 208C can thus each pair with one another and can detect via Received Signal Strength Indication (RSSI) principles the various signal strengths of each of the other RF transceivers.
  • RSSI Received Signal Strength Indication
  • the RF transceiver 16 can scan and detect each of the RF transceivers 208A, 208B, and 208C, and can employ RSSI to determine a signal strength value (in dB) for the signals from each of the RF transceivers 208A, 208B, and 208C.
  • the RF transceiver 208B can pair with and detect using RSSI the signal strengths for each of the RF transceivers 16, 208A, and 208C.
  • 208A, 208B, and 208C are then communicated via BLE protocol or other protocol to the server 220 where the routines 224 resolve the various signal strength values into the relative proximity of each of the electronic devices 204A, 204B, and 204C to the POS terminal 28.
  • the proximity detection system 210 performs the aforementioned analyses and identifies which electronic device 204 has the closest proximity to the POS terminal 28.
  • the server 220 then wirelessly sends to the RF transceiver 208 that is associated with such closest-proximity device 204 a notification that its account data should be wirelessly communicated to the emulation device 4.
  • the RF transceiver 208 that received such indication from the server 220 wirelessly communicates to the RF transceiver 16 of the emulation device 4 the information pertinent to the account that the individual wishes to use to complete the transaction.
  • the electronic device 204 that received such indication and that transmitted such account information to the emulation device 4 need not awaken or otherwise indicate to the user that any action occurred on the electronic device 204 itself, which aids in avoiding distraction of the user and facilitates completion of the transaction with minimal effort and time, which is desirable.
  • the various individuals that are distributed along the checkout aisle 212 may be carrying their electronic devices 204 in different fashions.
  • one person may be carrying the electronic device 204A in a purse, and another person may be carrying the electronic device 204B in a pocket, and still another individual may be carrying the electronic device 204C in a hand.
  • One such methodology is employed if the location of the closest RF transceiver 208 is, at least initially, indeterminate or otherwise uncertain.
  • the server 220 will send an inquiry of some type to those electronic devices 204 whose position is indeterminate, such as a communication requesting to know if the user wishes to conduct a transaction of some type.
  • a communication requesting to know if the user wishes to conduct a transaction of some type.
  • each such electronic device 204 wirelessly receiving the aforementioned communication, it is anticipated that each such user will withdraw the electronic device 204 from the pocket or the purse, by way of example, and will hold it in the hand.
  • the various signal strengths of the various RF transceivers 16 and 208 can then be again detected on the various electronic devices and resolved into updated relative proximities by the server 220, whereupon each such user whose relative position had been indeterminate can be determined anew. Since all of the electronic devices 204 in such a situation are expected to be held in the same way, i.e., in the user's hand, the effects of the variability of the extent to which water can absorb the 2.4 GHz Bluetooth signal can be ameliorated or normalized.
  • the server 220 will apply a time stamp that is associated with the unique ID of each such electronic device 204.
  • the server 220 then employs the time stamps and the unique IDs associated therewith to determine which RF transceiver 208 should receive the notification from the server 220 that the account information is needed. For example, if a first user came close enough to the POS terminal 28 to be paired with the emulation device 4, the unique ID of the paired device is then stored in association with a time stamp.
  • the unique ID of that electronic device 204 would likewise be stored in association with a time stamp that is subsequent to the aforementioned time stamp.
  • the time stamps are then arranged in chronological order, and the electronic devices 204 associated with the corresponding unique IDs are sequentially informed of the need for account information as each successive transaction is initiated. Such transactions are then completed using the received account information.
  • the indication from the server 220 to the particular electronic device 204 that has been determined to be situated closest to the POS terminal 208 may alternatively or additionally include an inquiry that is output on a display of the electronic device 204 that requires the user to confirm that the pending transaction at the particular value is to be authorized.
  • the electronic device 204 may then communicate to the emulation device 4 the relevant account information.
  • the account information need not be stored on the electronic device 204 and rather may be stored in the virtual cloud for retrieval by the electronic device 204 in order to avoid unintended access to the account information by others should the electronic device 204 become lost.
  • An improved proximity detection apparatus 304 that is depicted in Figs. 11 and 12 can be used in conjunction with detecting the relative proximity of the electronic devices 204 to the POS terminal 28 and the emulation device 4.
  • the proximity detection apparatus 304 can be employed individually to determine the proximities of the electronic devices 204 or in combination with the above methodologies to determine the proximities.
  • the detected strength of a signal from a signal source increases exponentially as the distance between the signal source and the location of detection decreases.
  • the detected signal from a distance of one foot may be on the order of -50 dB whereas the detected signal strength at a distance of three feet may be -70 dB.
  • the signal may be -75 dB and at twenty feet away the signal may be -78 dB.
  • the signal source having the greatest detected signal strength difference or delta at the two different locations is the signal that is relatively closest to the two different locations. That is, each signal is detected from the two locations that are at different distances from the signal. The difference between the two detected signal strength values for each signal is determined, and whichever of the signals has the greatest signal strength difference between the two locations is the signal whose source is relatively closest to the two locations. Since the wavelength of electromagnetic energy at 2.4 GHz is approximately 12.47 centimeters, the two locations would desirably be separated by at least 12.47 centimeters, i.e. the length of one wave.
  • the exemplary proximity detection apparatus 304 is depicted in Fig. 12 as including a support 308 upon which is situated an RF transceiver 312 having a first antenna 316 and a second antenna 320 at opposite ends of the support 308.
  • the first antenna 316 is situated at a first location 324 on the support 308, i.e., at the first end thereof
  • the second antenna 320 is situated at a second location 328 on the support 308, i.e., at a second end thereof.
  • the distance 332 between the first and second antennas 316 and 320 is at least 12.47 centimeters, although other distances may be employed depending upon the needs of the particular application without departing from the present concept.
  • the proximity detection apparatus 304 further includes a processor apparatus 336 that is operatively connected with the RF transceiver 312 to cause it to communicate wirelessly via the BLE protocol the various signal strength values to the server 220.
  • the various routines 224 process the various signal strength values and identify among the various RF transceivers 208 which RF transceiver 208 is situated relatively closest to the proximity detection apparatus 304 based upon the greatest signal strength difference between the two locations 324 and 328. Since the proximity detection apparatus 304 is situated proximate the emulation device 4, the identified RF transceiver 208 is determined to be associated with the relatively closest electronic device 204 and the relatively closest user.
  • the device does not require a connection since it is always on, transmitting a unique encrypted rolling ID.
  • the point of sale terminal POS
  • the point of sale terminal can detect the unique ID of the device and send it to the "cloud," i.e., a remote server, for decryption and validation and authentication and return to the POS the real credit card data to be processed.
  • the system can include "e-paper" which comprises using the camera on a phone to capture an image of a credit card and send it over BLE so that it appears on the credit card's e-paper display. If more than one picture (Credit cards) are sent, a user can select what credit card profile to load. It can also change the magnetic field stripe using a small coil embedded into the credit card. [0092] The system can also store encrypted credit card numbers which will be sent only if a bonded BLE connection is made.
  • the proximity based payment beacon of the invention is a small beacon which can be adhered to any surface, desk or on actual POS credit card system of a store. It is preferred that this beacon will be adhered very close to the magnetic reader of the POS magnetic card reader system.
  • the beacon sends over Bluetooth a unique ID that it can be encrypted and rolling.
  • the phone payment application connects to a server, and sends the Payment Beacon info to server.
  • server can pre-authenticate that the owner of that application in that phone can pay.
  • the cashier can enter the total amount to the POS credit card system.
  • the cashier will press a button or any other method to activate the beacon.
  • the beacon will send a special message to the phone, either in a Bluetooth connected method, or via a special exchange of messages with the phone.
  • the phone payment app will then connect to a server, and the server will authenticate that the user is indeed first in line.
  • the phone will send this numbers over BLE to the Payment beacon.
  • the Payment beacon will then create a magnetic field that would resemble a credit card being swiped and send in a magnetic field the credit card number.
  • the POS magnetic reader will think that a credit card was swiped and will get the credit card numbers.
  • the cashier will then enter the total amount, and the POS will charge the card as a regular credit card.
  • (C) A secondary small Display with e-paper, hidden that only the cashier will see the screen, that has built in BLE. This display will connect to the internet via Bluetooth, using a store Bluetooth network, or connecting to the internet using the customer's phone via BLE, or the cashier's phone etc. It will then display a question to ask the customer on the screen. The question could be name and Zip code, where as the answer will be displayed on the screen, and this will not visible to the shopper. If the answer matches, the cashier can press then charge key on the POS.

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • General Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne des dispositifs et des systèmes qui utilisent Bluetooth Low Energy (BLE) pour faciliter des transactions de vente. Les dispositifs peuvent se présenter sous la forme d'une carte de crédit, d'une carte de débit, d'un téléphone intelligent, d'un dispositif portatif tel qu'une montre ou des lunettes. Une carte de paiement virtuel peut stocker des informations pertinentes à une pluralité de compte préexistants et peut fournir des sorties qui comprennent la communication sans fil d'informations de compte à un dispositif sans fil tel que le dispositif d'émulation, la programmation d'une bande magnétique dynamiquement modifiable pour comprendre des secteurs magnétisés qui sont magnétisés d'une manière qui reflète des informations de compte, et une sortie visuelle de la carte de transaction dont des informations de carte pertinentes ont été communiquées sans fil ou à la bande magnétique. Des dispositifs électroniques compatibles Bluetooth sont conçus pour successivement balayer et servir de balise et utilisent diverses technologies pour détecter les intensités de signal d'autres dispositifs Bluetooth, et de telles valeurs d'intensité de signal sont communiquées sans fil à un serveur qui résout les diverses valeurs d'intensité de signal en emplacements relatifs de chacun des dispositifs électroniques Bluetooth. Le dispositif électronique qui présente la proximité la plus proche par rapport au dispositif d'émulation reçoit l'ordre de communiquer des informations qui concernent un compte pré-existant au dispositif d'émulation. Un appareil de détection de proximité utilise un émetteur-récepteur RF et une paire d'antennes à deux emplacements espacés qui sont situés à des distances différentes par rapport à chaque source parmi une pluralité de sources de signal. La source de signal dont des intensités de signal détectées aux deux emplacements présentent la différence d'amplitude la plus importante est la source de signal relativement la plus proche.
PCT/US2014/034821 2013-04-21 2014-04-21 Procédés et appareils de facilitation de transation Ceased WO2014176172A2 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
US14/769,955 US20160019512A1 (en) 2013-04-21 2014-04-21 Transaction facilitation methods and apparatuses
US15/488,802 US20170221043A1 (en) 2013-04-21 2017-04-17 Transaction facilitation methods and apparatuses

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US201361814277P 2013-04-21 2013-04-21
US61/814,277 2013-04-21
US201361891932P 2013-10-17 2013-10-17
US61/891,932 2013-10-17
US201361920794P 2013-12-26 2013-12-26
US61/920,794 2013-12-26

Related Child Applications (2)

Application Number Title Priority Date Filing Date
US14/769,955 A-371-Of-International US20160019512A1 (en) 2013-04-21 2014-04-21 Transaction facilitation methods and apparatuses
US15/488,802 Division US20170221043A1 (en) 2013-04-21 2017-04-17 Transaction facilitation methods and apparatuses

Publications (2)

Publication Number Publication Date
WO2014176172A2 true WO2014176172A2 (fr) 2014-10-30
WO2014176172A3 WO2014176172A3 (fr) 2015-01-15

Family

ID=51792498

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2014/034821 Ceased WO2014176172A2 (fr) 2013-04-21 2014-04-21 Procédés et appareils de facilitation de transation

Country Status (1)

Country Link
WO (1) WO2014176172A2 (fr)

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP3070978A1 (fr) * 2015-03-18 2016-09-21 SK Planet Co., Ltd. Appareil et procédé de fourniture de service de paiement basé sur une balise dans un système de service de balise
NL2015149B1 (nl) * 2015-07-10 2017-02-01 Paidit B V Systeem voor het verrichten van een contactlozebetaling, apparaat en mobiel communicatiemiddel voor gebruik in een dergelijk systeem.
EP3190556A1 (fr) * 2015-12-25 2017-07-12 Toshiba TEC Kabushiki Kaisha Appareil électronique et appareil de sortie
CN108632796A (zh) * 2018-04-16 2018-10-09 Oppo广东移动通信有限公司 蓝牙连接方法、装置、终端及计算机可读存储介质
US20240185218A1 (en) * 2014-08-26 2024-06-06 American Express Travel Related Services Company, Inc. System and method for providing a bluetooth low energy mobile payment system

Family Cites Families (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6607136B1 (en) * 1998-09-16 2003-08-19 Beepcard Inc. Physical presence digital authentication system
EP1116155A2 (fr) * 1998-10-02 2001-07-18 Comsense Technologies Ltd. Carte permettant d'interagir avec un ordinateur
US7587196B2 (en) * 2001-03-29 2009-09-08 Telefonaktiebolaget Lm Ericsson (Publ) Wireless point of sale transaction
GB0113630D0 (en) * 2001-06-05 2001-07-25 Koninkl Philips Electronics Nv Payment authorisation through beacons
US20080133373A1 (en) * 2006-11-30 2008-06-05 Motorola, Inc. Method to select payment when using a wireless communication device
US20090037326A1 (en) * 2007-07-30 2009-02-05 Sriram Chitti Virtual Card Selector for a Portable Electronic Device
US9311766B2 (en) * 2007-09-12 2016-04-12 Devicefidelity, Inc. Wireless communicating radio frequency signals
SE533431C2 (sv) * 2009-06-04 2010-09-28 Accumulate Ab Metod för säkra transaktioner
SI23227A (sl) * 2010-03-10 2011-05-31 Margento R&D D.O.O. Brezžični mobilni transakcijski sistem in postopek izvedbe transakcije z mobilnim telefonom

Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20240185218A1 (en) * 2014-08-26 2024-06-06 American Express Travel Related Services Company, Inc. System and method for providing a bluetooth low energy mobile payment system
US12260388B2 (en) * 2014-08-26 2025-03-25 American Express Travel Related Services Company, Inc. System and method for providing a Bluetooth low energy mobile payment system
EP3070978A1 (fr) * 2015-03-18 2016-09-21 SK Planet Co., Ltd. Appareil et procédé de fourniture de service de paiement basé sur une balise dans un système de service de balise
CN105989465A (zh) * 2015-03-18 2016-10-05 Sk普兰尼特有限公司 在信标服务系统中提供基于信标的支付服务的设备和方法
US9922316B2 (en) 2015-03-18 2018-03-20 Sk Planet Co., Ltd. Apparatus and method for providing payment service based on beacon in beacon service system
NL2015149B1 (nl) * 2015-07-10 2017-02-01 Paidit B V Systeem voor het verrichten van een contactlozebetaling, apparaat en mobiel communicatiemiddel voor gebruik in een dergelijk systeem.
EP3190556A1 (fr) * 2015-12-25 2017-07-12 Toshiba TEC Kabushiki Kaisha Appareil électronique et appareil de sortie
CN108632796A (zh) * 2018-04-16 2018-10-09 Oppo广东移动通信有限公司 蓝牙连接方法、装置、终端及计算机可读存储介质

Also Published As

Publication number Publication date
WO2014176172A3 (fr) 2015-01-15

Similar Documents

Publication Publication Date Title
US20170221043A1 (en) Transaction facilitation methods and apparatuses
JP7486376B2 (ja) モバイル決済小売りシステムのためのモノのインターネット（ＩｏＴ）ボックスおよび店内モバイル充電ソリューション
US10332096B2 (en) Wireless communication beacon and gesture detection system
US11620654B2 (en) Methods and apparatus for conducting secure magnetic stripe card transactions with a proximity payment device
US20200090158A1 (en) Method and apparatus for electronic payment and authentication
US9842356B2 (en) System, method, apparatus and computer program product for interfacing a multi-card radio frequency (RF) device with a mobile communications device
US20180204205A1 (en) System and Method for Location-Based Transactions
US20170053268A1 (en) Method and system for implementing a wireless digital wallet
KR20190017746A (ko) 스마트워치를 이용한 인증
KR101198904B1 (ko) 결제 방법, 이동 단말기, 및 가맹점 단말기
WO2011100001A1 (fr) Système intégré et procédé permettant des transactions de commerce mobiles au moyen d'affiches actives et de modules d'identité sans contact
US9626673B2 (en) Financial transaction based on device-to-device communications
KR101330670B1 (ko) 결제 방법 및 그를 위한 결제 서버
WO2021217168A1 (fr) Autorisation d'un paiement à l'aide d'une carte de transaction multifonction
US20170039547A1 (en) Mobile payment system and method
JP2014513825A5 (fr)
JP2014513825A (ja) 安全な２者照合取引システム
WO2014176172A2 (fr) Procédés et appareils de facilitation de transation
US12004065B2 (en) Method and device for descriminating one of a group of NFC transmitters
KR20230106533A (ko) 마트에서의 간편페이 방법 및 어플리케이션
AU2015358442B2 (en) Methods and apparatus for conducting secure magnetic stripe card transactions with a proximity payment device
Qadeer et al. A novel scheme for mobile payment using RFID-enabled smart SIMcard
KR20170001680A (ko) 멀티 카드 및 그 제어방법
TWM482105U (zh) 行動銷售刷卡機
KR20130097412A (ko) 스마트폰을 이용한 모바일카드 결제방법 및 시스템

Legal Events

Date Code Title Description
DPE1 Request for preliminary examination filed after expiration of 19th month from priority date (pct application filed from 20040101)
122 Ep: pct application non-entry in european phase

Ref document number: 14788241

Country of ref document: EP

Kind code of ref document: A2