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EP2984614A4 - MOBILE PAYMENT SYSTEM USING SUBCONDS OF AN ACCOUNT HOLDER - Google Patents

MOBILE PAYMENT SYSTEM USING SUBCONDS OF AN ACCOUNT HOLDER

Info

Publication number
EP2984614A4
EP2984614A4 EP14783175.4A EP14783175A EP2984614A4 EP 2984614 A4 EP2984614 A4 EP 2984614A4 EP 14783175 A EP14783175 A EP 14783175A EP 2984614 A4 EP2984614 A4 EP 2984614A4
Authority
EP
European Patent Office
Prior art keywords
subconds
payment system
mobile payment
account holder
holder
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Withdrawn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
EP14783175.4A
Other languages
German (de)
French (fr)
Other versions
EP2984614A1 (en
Inventor
Mark Itwaru
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.)
Riavera Corp
Original Assignee
Riavera 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 US13/861,490 external-priority patent/US9721243B2/en
Application filed by Riavera Corp filed Critical Riavera Corp
Publication of EP2984614A1 publication Critical patent/EP2984614A1/en
Publication of EP2984614A4 publication Critical patent/EP2984614A4/en
Withdrawn legal-status Critical Current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
    • G06Q20/3276—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
    • G06Q20/32—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 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

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
EP14783175.4A 2013-04-12 2014-04-11 MOBILE PAYMENT SYSTEM USING SUBCONDS OF AN ACCOUNT HOLDER Withdrawn EP2984614A4 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US13/861,490 US9721243B2 (en) 2011-05-11 2013-04-12 Mobile payment system using subaccounts of account holder
PCT/CA2014/000343 WO2014165974A1 (en) 2013-04-12 2014-04-11 Mobile payment system using subaccounts of account holder

Publications (2)

Publication Number Publication Date
EP2984614A1 EP2984614A1 (en) 2016-02-17
EP2984614A4 true EP2984614A4 (en) 2016-09-14

Family

ID=51688778

Family Applications (1)

Application Number Title Priority Date Filing Date
EP14783175.4A Withdrawn EP2984614A4 (en) 2013-04-12 2014-04-11 MOBILE PAYMENT SYSTEM USING SUBCONDS OF AN ACCOUNT HOLDER

Country Status (5)

Country Link
EP (1) EP2984614A4 (en)
CA (1) CA2909104A1 (en)
MX (1) MX2015014381A (en)
PH (1) PH12015502359A1 (en)
WO (1) WO2014165974A1 (en)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105869080A (en) * 2016-04-25 2016-08-17 海南客来乐科技有限公司 System and method for realizing physical store mobile payment through electronic table plates and electronic table plate
SG10201808244YA (en) * 2018-09-21 2020-04-29 Mastercard International Inc Payment methods and systems based on a deceptive pin of a payment card
US11200565B2 (en) * 2019-12-30 2021-12-14 Visa International Service Association Low cost method and system to enable an unattended device to accept card present transactions
CN111371841B (en) * 2020-02-17 2023-04-07 平安科技（深圳）有限公司 Data monitoring method and device
CN114239771B (en) * 2021-11-22 2023-05-16 北京印刷学院 Textile anti-counterfeiting method for body binding multiple anti-counterfeiting mark images

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030026404A1 (en) * 1998-09-15 2003-02-06 Joyce Simon James Convergent communications system and method with a rule set for authorizing, debiting, settling and recharging a mobile commerce account
US20070255653A1 (en) * 2006-03-30 2007-11-01 Obopay Inc. Mobile Person-to-Person Payment System
EP2128809A1 (en) * 2008-05-30 2009-12-02 Luc Stals Server device for controlling a transaction, first entity and second entity
US20090313131A1 (en) * 2006-01-13 2009-12-17 Advanced Payment Products, Llc Systems and/or methods for simplifying payment systems, and payment instruments implementing the same
US20100100406A1 (en) * 2008-10-21 2010-04-22 Beng Lim Method for protecting personal identity information
US20100280948A1 (en) * 1998-03-30 2010-11-04 Cohen Morris E Systems for Financial and Electronic Commerce
US20130054320A1 (en) * 2011-08-30 2013-02-28 Gregory DORSO Systems and methods for fast mobile payment
US20130073365A1 (en) * 2011-09-21 2013-03-21 Fexco Merchant Services Systems and methods for making a payment using a wireless device

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU3741000A (en) * 1999-04-27 2000-11-10 Eli E. Hertz Commercial transaction method
US20040215534A1 (en) * 2003-04-25 2004-10-28 Apple Computer, Inc. Method and system for network-based allowance control
US8498934B2 (en) * 2010-10-21 2013-07-30 Bml Productions, Inc. Multi-account payment consolidation system

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20100280948A1 (en) * 1998-03-30 2010-11-04 Cohen Morris E Systems for Financial and Electronic Commerce
US20030026404A1 (en) * 1998-09-15 2003-02-06 Joyce Simon James Convergent communications system and method with a rule set for authorizing, debiting, settling and recharging a mobile commerce account
US20090313131A1 (en) * 2006-01-13 2009-12-17 Advanced Payment Products, Llc Systems and/or methods for simplifying payment systems, and payment instruments implementing the same
US20070255653A1 (en) * 2006-03-30 2007-11-01 Obopay Inc. Mobile Person-to-Person Payment System
EP2128809A1 (en) * 2008-05-30 2009-12-02 Luc Stals Server device for controlling a transaction, first entity and second entity
US20100100406A1 (en) * 2008-10-21 2010-04-22 Beng Lim Method for protecting personal identity information
US20130054320A1 (en) * 2011-08-30 2013-02-28 Gregory DORSO Systems and methods for fast mobile payment
US20130073365A1 (en) * 2011-09-21 2013-03-21 Fexco Merchant Services Systems and methods for making a payment using a wireless device

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of WO2014165974A1 *

Also Published As

Publication number Publication date
PH12015502359A1 (en) 2016-02-22
CA2909104A1 (en) 2014-10-16
WO2014165974A1 (en) 2014-10-16
EP2984614A1 (en) 2016-02-17
MX2015014381A (en) 2016-07-07

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