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GB2497900A - Mobile payment system - Google Patents

Mobile payment system Download PDF

Info

Publication number
GB2497900A
GB2497900A GB1306615.4A GB201306615A GB2497900A GB 2497900 A GB2497900 A GB 2497900A GB 201306615 A GB201306615 A GB 201306615A GB 2497900 A GB2497900 A GB 2497900A
Authority
GB
United Kingdom
Prior art keywords
mobile payment
payment system
authorizing
validating
sale
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.)
Withdrawn
Application number
GB1306615.4A
Other versions
GB201306615D0 (en
Inventor
John Bauer
Glenn Curtiss Mcmillen
Eric Crozier
Christine Ann Schuetz
Garry Lloyd
David A Crake
Thomas P Akana
Loren Barton
Amy Sobocinski Romagnoli
Mike Starck
Patrick Mesa
Leslie Moore
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.)
Barclays Bank PLC
Original Assignee
Barclays Bank PLC
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 US12/891,866 external-priority patent/US9558481B2/en
Priority claimed from US12/905,419 external-priority patent/US20120095852A1/en
Priority claimed from US12/955,373 external-priority patent/US9607293B2/en
Priority claimed from US12/955,326 external-priority patent/US8306916B2/en
Priority claimed from US13/100,610 external-priority patent/US20120284195A1/en
Priority claimed from US13/225,898 external-priority patent/US10929832B2/en
Application filed by Barclays Bank PLC filed Critical Barclays Bank PLC
Priority claimed from US13/247,352 external-priority patent/US20120143706A1/en
Publication of GB201306615D0 publication Critical patent/GB201306615D0/en
Publication of GB2497900A publication Critical patent/GB2497900A/en
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing

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 Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

A mobile payment system and methods are described for providing, validating, authorizing, activating and using a mobile payment account on a portable electronic device to enable efficient and secured contactless payment at an electronic point of sale.
GB1306615.4A 2010-09-28 2011-09-28 Mobile payment system Withdrawn GB2497900A (en)

Applications Claiming Priority (8)

Application Number Priority Date Filing Date Title
US12/891,866 US9558481B2 (en) 2010-09-28 2010-09-28 Secure account provisioning
US12/905,419 US20120095852A1 (en) 2010-10-15 2010-10-15 Method and system for electronic wallet access
US12/955,373 US9607293B2 (en) 2010-11-29 2010-11-29 Method and system for account management and electronic wallet access on a mobile device
US12/955,326 US8306916B2 (en) 2010-11-29 2010-11-29 Method and system for digital document management on a mobile device
US13/100,610 US20120284195A1 (en) 2011-05-04 2011-05-04 Method and system for secure user registration
US13/225,898 US10929832B2 (en) 2011-09-06 2011-09-06 Method and system for electronic wallet access
US13/247,352 US20120143706A1 (en) 2010-10-15 2011-09-28 Method and System for Improved Electronic Wallet Access
PCT/GB2011/051839 WO2012042262A1 (en) 2010-09-28 2011-09-28 Mobile payment system

Publications (2)

Publication Number Publication Date
GB201306615D0 GB201306615D0 (en) 2013-05-29
GB2497900A true GB2497900A (en) 2013-06-26

Family

ID=44907895

Family Applications (1)

Application Number Title Priority Date Filing Date
GB1306615.4A Withdrawn GB2497900A (en) 2010-09-28 2011-09-28 Mobile payment system

Country Status (3)

Country Link
EP (1) EP2622551A1 (en)
GB (1) GB2497900A (en)
WO (1) WO2012042262A1 (en)

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KR101826275B1 (en) 2011-11-01 2018-02-06 구글 엘엘씨 Systems, methods, and computer program products for interfacing multiple service provider trusted service managers and secure elements
US9544759B2 (en) 2011-11-01 2017-01-10 Google Inc. Systems, methods, and computer program products for managing states
US9767453B2 (en) 2012-02-23 2017-09-19 XRomb Inc. System and method for processing payment during an electronic commerce transaction
US9026460B2 (en) * 2012-06-28 2015-05-05 Bank Of America Corporation Automatic activation of mobile payment mechanisms based on identified mobile payment types accepted by a merchant
US8676709B2 (en) 2012-07-31 2014-03-18 Google Inc. Merchant category codes in a proxy card transaction
FI20125843L (en) * 2012-08-14 2014-02-15 Cardplus Oy Delivery, receipt and use of a personalized digital declaration of authenticity regarding the end user for use in electronic transactions conducted with a mobile
KR20150016369A (en) * 2012-08-24 2015-02-11 제이브이엘 벤쳐스, 엘엘씨 Systems, methods, and computer program products for securing and managing applications on secure elements
MX339108B (en) 2012-09-18 2016-05-12 Google Inc Systems, methods, and computer program products for interfacing multiple service provider trusted service managers and secure elements.
WO2014055643A2 (en) * 2012-10-05 2014-04-10 Jvl Ventures, Llc Systems, methods, and computer program products for managing remote transactions
EP2926306A4 (en) * 2012-11-30 2016-08-10 Xromb Inc System and method of processing payment at a point-of-sale terminal using a mobile device
GB2510430A (en) * 2013-02-05 2014-08-06 Barclays Bank Plc System and method for mobile wallet data access
GB2513602A (en) 2013-05-01 2014-11-05 Barclays Bank Plc Authentication system for purchase delivery
US20140337235A1 (en) 2013-05-08 2014-11-13 The Toronto-Dominion Bank Person-to-person electronic payment processing
US20150006386A1 (en) * 2013-06-28 2015-01-01 Sap Ag Offline mobile payment process
CN105531730A (en) * 2013-07-12 2016-04-27 谷歌公司 Systems, methods, and computer program products for enabling instrument credentials
SG10201801086RA (en) * 2013-08-08 2018-03-28 Visa Int Service Ass Methods and systems for provisioning mobile devices with payment credentials
CN104580117B (en) * 2013-10-28 2018-07-27 深圳市腾讯计算机系统有限公司 Auth method, apparatus and system
US10140615B2 (en) 2014-09-22 2018-11-27 Visa International Service Association Secure mobile device credential provisioning using risk decision non-overrides
KR101570354B1 (en) * 2015-03-05 2015-11-19 엘지전자 주식회사 Mobile terminal and method for controlling the same
US11037139B1 (en) 2015-03-19 2021-06-15 Wells Fargo Bank, N.A. Systems and methods for smart card mobile device authentication
US11188919B1 (en) 2015-03-27 2021-11-30 Wells Fargo Bank, N.A. Systems and methods for contactless smart card authentication
CA2982763C (en) * 2015-04-14 2023-08-08 Capital One Services, Llc A system, method, and apparatus for a dynamic transaction card
CN108701300A (en) * 2015-11-30 2018-10-23 信赛克香港有限公司 Multi-scheme pays mobile device and system
FR3045896A1 (en) * 2015-12-18 2017-06-23 Orange METHOD FOR SECURING A TRANSACTION FROM A MOBILE TERMINAL
KR102557801B1 (en) * 2016-02-04 2023-07-21 삼성전자주식회사 Portable apparatus and method for electronic payment thereof
US11113688B1 (en) 2016-04-22 2021-09-07 Wells Fargo Bank, N.A. Systems and methods for mobile wallet provisioning
US11074582B2 (en) 2016-09-23 2021-07-27 Apple Inc. Secure element having multiple users
CN108460681B (en) 2017-02-20 2020-07-03 阿里巴巴集团控股有限公司 Risk management and control method and device
US10489789B1 (en) 2019-05-02 2019-11-26 Capital One Services, Llc Systems and methods for providing notifications to devices
US11941608B1 (en) 2019-09-18 2024-03-26 Wells Fargo Bank, N.A. Systems and methods for a transaction card having a customer-specific URL
US11423392B1 (en) 2020-12-01 2022-08-23 Wells Fargo Bank, N.A. Systems and methods for information verification using a contactless card
CN116724309A (en) * 2021-01-15 2023-09-08 安赛飞保安有限公司 Apparatus and communication method
CN113032703B (en) * 2021-02-24 2024-04-26 腾讯科技（深圳）有限公司 Resource data processing method, device, computer equipment and storage medium
WO2024196700A1 (en) * 2023-03-17 2024-09-26 Mastercard International Incorporated Contactless provisioning systems and methods

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US20060200427A1 (en) * 2005-03-01 2006-09-07 Morrison Robert A Systems and methods for securing transactions with biometric information
WO2007136277A1 (en) * 2006-05-18 2007-11-29 Fronde Anywhere Limited Authentication method for wireless transactions
US20090234751A1 (en) * 2008-03-14 2009-09-17 Eric Chan Electronic wallet for a wireless mobile device
WO2010051339A2 (en) * 2008-10-31 2010-05-06 Visa International Service Association User enhanced authentication system for online purchases

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Patent Citations (4)

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Publication number Priority date Publication date Assignee Title
US20060200427A1 (en) * 2005-03-01 2006-09-07 Morrison Robert A Systems and methods for securing transactions with biometric information
WO2007136277A1 (en) * 2006-05-18 2007-11-29 Fronde Anywhere Limited Authentication method for wireless transactions
US20090234751A1 (en) * 2008-03-14 2009-09-17 Eric Chan Electronic wallet for a wireless mobile device
WO2010051339A2 (en) * 2008-10-31 2010-05-06 Visa International Service Association User enhanced authentication system for online purchases

Also Published As

Publication number Publication date
WO2012042262A1 (en) 2012-04-05
EP2622551A1 (en) 2013-08-07
GB201306615D0 (en) 2013-05-29

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