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EP2962262A4 - Methods and arrangements for smartphone payments and transactions - Google Patents

Methods and arrangements for smartphone payments and transactions

Info

Publication number
EP2962262A4
EP2962262A4 EP14709848.7A EP14709848A EP2962262A4 EP 2962262 A4 EP2962262 A4 EP 2962262A4 EP 14709848 A EP14709848 A EP 14709848A EP 2962262 A4 EP2962262 A4 EP 2962262A4
Authority
EP
European Patent Office
Prior art keywords
transactions
arrangements
methods
payments
smartphone
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
EP14709848.7A
Other languages
German (de)
French (fr)
Other versions
EP2962262A2 (en
Inventor
Tony F Rodriguez
Bruce L Davis
Tomas Filler
Brian T Macintosh
Ravi K Sharma
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.)
Digimarc Corp
Original Assignee
Digimarc 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 US13/792,764 external-priority patent/US9965756B2/en
Priority claimed from US13/873,117 external-priority patent/US9830588B2/en
Priority claimed from US14/074,072 external-priority patent/US20140258110A1/en
Priority claimed from US14/180,277 external-priority patent/US9311640B2/en
Application filed by Digimarc Corp filed Critical Digimarc Corp
Publication of EP2962262A2 publication Critical patent/EP2962262A2/en
Publication of EP2962262A4 publication Critical patent/EP2962262A4/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
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • 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
    • G06Q20/306—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using TV related infrastructures
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3221—Access to banking information through M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
    • 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
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • G06Q20/351—Virtual cards
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • User Interface Of Digital Computer (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
EP14709848.7A 2013-02-26 2014-02-26 Methods and arrangements for smartphone payments and transactions Ceased EP2962262A4 (en)

Applications Claiming Priority (8)

Application Number Priority Date Filing Date Title
US201361769701P 2013-02-26 2013-02-26
US13/792,764 US9965756B2 (en) 2013-02-26 2013-03-11 Methods and arrangements for smartphone payments
US13/873,117 US9830588B2 (en) 2013-02-26 2013-04-29 Methods and arrangements for smartphone payments
US201361825059P 2013-05-19 2013-05-19
US14/074,072 US20140258110A1 (en) 2013-03-11 2013-11-07 Methods and arrangements for smartphone payments and transactions
US201461938673P 2014-02-11 2014-02-11
US14/180,277 US9311640B2 (en) 2014-02-11 2014-02-13 Methods and arrangements for smartphone payments and transactions
PCT/US2014/018715 WO2014134180A2 (en) 2013-02-26 2014-02-26 Methods and arrangements for smartphone payments and transactions

Publications (2)

Publication Number Publication Date
EP2962262A2 EP2962262A2 (en) 2016-01-06
EP2962262A4 true EP2962262A4 (en) 2016-08-24

Family

ID=50272764

Family Applications (1)

Application Number Title Priority Date Filing Date
EP14709848.7A Ceased EP2962262A4 (en) 2013-02-26 2014-02-26 Methods and arrangements for smartphone payments and transactions

Country Status (3)

Country Link
EP (1) EP2962262A4 (en)
CN (1) CN105190659B (en)
WO (1) WO2014134180A2 (en)

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US9830588B2 (en) 2013-02-26 2017-11-28 Digimarc Corporation Methods and arrangements for smartphone payments
US9311640B2 (en) 2014-02-11 2016-04-12 Digimarc Corporation Methods and arrangements for smartphone payments and transactions
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US11461766B1 (en) 2014-04-30 2022-10-04 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US9652770B1 (en) 2014-04-30 2017-05-16 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US11610197B1 (en) 2014-04-30 2023-03-21 Wells Fargo Bank, N.A. Mobile wallet rewards redemption systems and methods
US11288660B1 (en) 2014-04-30 2022-03-29 Wells Fargo Bank, N.A. Mobile wallet account balance systems and methods
US10482461B2 (en) 2014-05-29 2019-11-19 Apple Inc. User interface for payments
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US10445739B1 (en) * 2014-08-14 2019-10-15 Wells Fargo Bank, N.A. Use limitations for secondary users of financial accounts
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KR102389678B1 (en) 2017-09-09 2022-04-21 애플 인크. Implementation of biometric authentication
CN107680608B (en) * 2017-09-27 2020-09-11 天津大学 A Fragile Watermark Self-Recovery Method Based on Fountain Code
CN110068328B (en) * 2018-01-22 2022-08-26 腾讯科技（深圳）有限公司 Navigation route generation method and device, computer readable storage medium and computer equipment
CN109118215B (en) * 2018-06-12 2021-04-27 创新先进技术有限公司 Payment processing method and device and server
US12045809B1 (en) 2018-08-30 2024-07-23 Wells Fargo Bank, N.A. Biller consortium enrollment and transaction management engine
US12254463B1 (en) 2018-08-30 2025-03-18 Wells Fargo Bank, N.A. Biller directory and payments engine architecture
US11551208B2 (en) 2018-10-04 2023-01-10 Verifone, Inc. Systems and methods for point-to-point encryption compliance
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US11551190B1 (en) 2019-06-03 2023-01-10 Wells Fargo Bank, N.A. Instant network cash transfer at point of sale
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CN110807502B (en) * 2019-10-31 2024-04-09 天星数科科技有限公司 NFC intelligent card configuration method and device
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Also Published As

Publication number Publication date
WO2014134180A2 (en) 2014-09-04
CN105190659B (en) 2021-02-05
WO2014134180A3 (en) 2015-01-08
CN105190659A (en) 2015-12-23
EP2962262A2 (en) 2016-01-06

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