CA2934342C - Systemes et methodes pour generer des offres a partir de paiements sans contact mis en jetons - Google Patents

Systemes et methodes pour generer des offres a partir de paiements sans contact mis en jetons Download PDF

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Publication number
CA2934342C
CA2934342C CA2934342A CA2934342A CA2934342C CA 2934342 C CA2934342 C CA 2934342C CA 2934342 A CA2934342 A CA 2934342A CA 2934342 A CA2934342 A CA 2934342A CA 2934342 C CA2934342 C CA 2934342C
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CA
Canada
Prior art keywords
token
transaction
customer
data
issuer
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Active
Application number
CA2934342A
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English (en)
Other versions
CA2934342A1 (fr
Inventor
Janusz Michael Niczyporuk
Thomas S. Poole
Paul Young Moreton
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.)
Capital One Financial Corp
Original Assignee
Capital One Financial Corp
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 US14/132,508 external-priority patent/US10482457B2/en
Application filed by Capital One Financial Corp filed Critical Capital One Financial Corp
Priority to CA3184377A priority Critical patent/CA3184377A1/fr
Publication of CA2934342A1 publication Critical patent/CA2934342A1/fr
Application granted granted Critical
Publication of CA2934342C publication Critical patent/CA2934342C/fr
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • 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]
    • G06Q20/3224—Transactions dependent on location of 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
    • G06Q20/30—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]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • 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
    • G06Q20/327—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; 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
    • G06Q20/384—Payment protocols; Details thereof using social networks
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0224—Discounts or incentives, e.g. coupons or rebates based on user history
    • 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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/01—Social networking
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Marketing (AREA)
  • Game Theory and Decision Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Computing Systems (AREA)
  • Health & Medical Sciences (AREA)
  • General Health & Medical Sciences (AREA)
  • Human Resources & Organizations (AREA)
  • Primary Health Care (AREA)
  • Tourism & Hospitality (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un système et un procédé d'amélioration de paiements basés sur un jeton. Le système et le procédé comprennent un logiciel et un matériel pour : recevoir, via un réseau, une demande d'autorisation ; créer, en réponse à la demande, un paquet de paiement dynamique (DPP) pour le paiement ; transmettre le DPP via un réseau ; recevoir, via un réseau, une demande d'autorisation, le DPP et un ID de transaction ; recevoir au moins un autre élément de données relatif au client impliqué dans la transaction et la transaction elle-même ; et transmettre, via un réseau, l'ID de la transaction, une réponse d'autorisation, et un jeton.
CA2934342A 2013-12-18 2014-12-18 Systemes et methodes pour generer des offres a partir de paiements sans contact mis en jetons Active CA2934342C (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CA3184377A CA3184377A1 (fr) 2013-12-18 2014-12-18 Systemes et methodes pour generer des offres a partir de paiements sans contact mis en jetons

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US14/132,508 2013-12-18
US14/132,508 US10482457B2 (en) 2011-10-17 2013-12-18 System and method for token-based payments
PCT/US2014/071152 WO2015095517A1 (fr) 2013-12-18 2014-12-18 Système et procédé d'amélioration de paiements basés sur un jeton

Related Child Applications (1)

Application Number Title Priority Date Filing Date
CA3184377A Division CA3184377A1 (fr) 2013-12-18 2014-12-18 Systemes et methodes pour generer des offres a partir de paiements sans contact mis en jetons

Publications (2)

Publication Number Publication Date
CA2934342A1 CA2934342A1 (fr) 2015-06-25
CA2934342C true CA2934342C (fr) 2023-02-28

Family

ID=53403691

Family Applications (2)

Application Number Title Priority Date Filing Date
CA2934342A Active CA2934342C (fr) 2013-12-18 2014-12-18 Systemes et methodes pour generer des offres a partir de paiements sans contact mis en jetons
CA3184377A Pending CA3184377A1 (fr) 2013-12-18 2014-12-18 Systemes et methodes pour generer des offres a partir de paiements sans contact mis en jetons

Family Applications After (1)

Application Number Title Priority Date Filing Date
CA3184377A Pending CA3184377A1 (fr) 2013-12-18 2014-12-18 Systemes et methodes pour generer des offres a partir de paiements sans contact mis en jetons

Country Status (3)

Country Link
EP (1) EP3084702A4 (fr)
CA (2) CA2934342C (fr)
WO (1) WO2015095517A1 (fr)

Families Citing this family (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11574300B1 (en) * 2014-04-30 2023-02-07 Wells Fargo Bank, N.A. Mobile wallet systems and methods using trace identifier using card networks
US11127009B2 (en) 2015-04-07 2021-09-21 Omnyway, Inc. Methods and systems for using a mobile device to effect a secure electronic transaction
EP3118789A1 (fr) * 2015-07-14 2017-01-18 Samsung Electronics Co., Ltd. Système de paiement, dispositif électronique et son procédé de paiement
KR102470570B1 (ko) * 2015-07-14 2022-11-24 삼성전자주식회사 결제 시스템, 전자 장치 및 전자 장치의 결제 방법
FR3051579B1 (fr) * 2016-05-23 2021-11-19 Oberthur Technologies Procede de securisation d'un dispositif electronique, et dispositif electronique correspondant
US20170344975A1 (en) * 2016-05-31 2017-11-30 Ncr Corporation Currency acquisition devices, systems, and methods
US11250414B2 (en) 2019-08-02 2022-02-15 Omnyway, Inc. Cloud based system for engaging shoppers at or near physical stores
US11468432B2 (en) 2019-08-09 2022-10-11 Omnyway, Inc. Virtual-to-physical secure remote payment to a physical location
US11928686B2 (en) * 2020-07-13 2024-03-12 Royal Bank Of Canada Secure identity data tokenization and processing

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8200980B1 (en) * 2001-09-21 2012-06-12 Open Invention Network, Llc System and method for enrolling in a biometric system
US8533123B2 (en) * 2010-12-13 2013-09-10 Magtek, Inc. Systems and methods for conducting contactless payments using a mobile device and a magstripe payment card
US8818867B2 (en) * 2011-11-14 2014-08-26 At&T Intellectual Property I, L.P. Security token for mobile near field communication transactions
US8893250B2 (en) * 2012-02-10 2014-11-18 Protegrity Corporation Tokenization in mobile environments
US8620790B2 (en) * 2013-07-11 2013-12-31 Scvngr Systems and methods for dynamic transaction-payment routing

Also Published As

Publication number Publication date
EP3084702A4 (fr) 2017-11-15
WO2015095517A1 (fr) 2015-06-25
CA2934342A1 (fr) 2015-06-25
CA3184377A1 (fr) 2015-06-25
EP3084702A1 (fr) 2016-10-26

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