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FI20115945A0 - Betalningssystem - Google Patents

Betalningssystem

Info

Publication number
FI20115945A0
FI20115945A0 FI20115945A FI20115945A FI20115945A0 FI 20115945 A0 FI20115945 A0 FI 20115945A0 FI 20115945 A FI20115945 A FI 20115945A FI 20115945 A FI20115945 A FI 20115945A FI 20115945 A0 FI20115945 A0 FI 20115945A0
Authority
FI
Finland
Prior art keywords
payment
Prior art date
Application number
FI20115945A
Other languages
English (en)
Finnish (fi)
Inventor
Simo Salminen
Original Assignee
Onsun Oy
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 Onsun Oy filed Critical Onsun Oy
Priority to FI20115945A priority Critical patent/FI20115945A0/sv
Publication of FI20115945A0 publication Critical patent/FI20115945A0/sv
Priority to FI20116274A priority patent/FI125071B/sv
Priority to FI20155310A priority patent/FI20155310L/sv
Priority to US14/347,805 priority patent/US9953319B2/en
Priority to EP19193529.5A priority patent/EP3591600A1/en
Priority to EP12834914.9A priority patent/EP2761553B1/en
Priority to DK12834914T priority patent/DK2761553T3/da
Priority to PCT/FI2012/000038 priority patent/WO2013045743A2/en
Priority to ES12834914T priority patent/ES2758658T3/es
Priority to US15/958,462 priority patent/US11403635B2/en
Priority to US17/877,289 priority patent/US20220366413A1/en

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
    • G06Q20/38—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
    • 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
    • G06Q20/16—Payments settled via telecommunication systems
    • 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
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
    • 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
    • G06Q20/30—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
    • G06Q20/354—Card activation or deactivation
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • 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
    • G06Q20/3827—Use of message hashing

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
FI20115945A 2011-09-28 2011-09-28 Betalningssystem FI20115945A0 (sv)

Priority Applications (11)

Application Number Priority Date Filing Date Title
FI20115945A FI20115945A0 (sv) 2011-09-28 2011-09-28 Betalningssystem
FI20116274A FI125071B (sv) 2011-09-28 2011-12-15 Betalningssystem
ES12834914T ES2758658T3 (es) 2011-09-28 2012-09-28 Sistema de pago
EP19193529.5A EP3591600A1 (en) 2011-09-28 2012-09-28 Payment system
US14/347,805 US9953319B2 (en) 2011-09-28 2012-09-28 Payment system
FI20155310A FI20155310L (sv) 2011-09-28 2012-09-28 Betalningssystem
EP12834914.9A EP2761553B1 (en) 2011-09-28 2012-09-28 Payment system
DK12834914T DK2761553T3 (da) 2011-09-28 2012-09-28 Betalingssystem
PCT/FI2012/000038 WO2013045743A2 (en) 2011-09-28 2012-09-28 Payment system
US15/958,462 US11403635B2 (en) 2011-09-28 2018-04-20 Payment system
US17/877,289 US20220366413A1 (en) 2011-09-28 2022-07-29 Payment system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
FI20115945A FI20115945A0 (sv) 2011-09-28 2011-09-28 Betalningssystem

Publications (1)

Publication Number Publication Date
FI20115945A0 true FI20115945A0 (sv) 2011-09-28

Family

ID=44718850

Family Applications (3)

Application Number Title Priority Date Filing Date
FI20115945A FI20115945A0 (sv) 2011-09-28 2011-09-28 Betalningssystem
FI20116274A FI125071B (sv) 2011-09-28 2011-12-15 Betalningssystem
FI20155310A FI20155310L (sv) 2011-09-28 2012-09-28 Betalningssystem

Family Applications After (2)

Application Number Title Priority Date Filing Date
FI20116274A FI125071B (sv) 2011-09-28 2011-12-15 Betalningssystem
FI20155310A FI20155310L (sv) 2011-09-28 2012-09-28 Betalningssystem

Country Status (6)

Country Link
US (3) US9953319B2 (sv)
EP (2) EP2761553B1 (sv)
DK (1) DK2761553T3 (sv)
ES (1) ES2758658T3 (sv)
FI (3) FI20115945A0 (sv)
WO (1) WO2013045743A2 (sv)

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Also Published As

Publication number Publication date
WO2013045743A3 (en) 2013-06-13
DK2761553T3 (da) 2019-12-09
US20180247309A1 (en) 2018-08-30
ES2758658T3 (es) 2020-05-06
EP3591600A1 (en) 2020-01-08
EP2761553A4 (en) 2015-06-03
WO2013045743A2 (en) 2013-04-04
FI125071B (sv) 2015-05-29
US9953319B2 (en) 2018-04-24
FI20155310L (sv) 2015-04-27
US20140236842A1 (en) 2014-08-21
US20220366413A1 (en) 2022-11-17
US11403635B2 (en) 2022-08-02
EP2761553B1 (en) 2019-08-28
EP2761553A2 (en) 2014-08-06
FI20116274A (sv) 2013-03-29

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