EP3061055A4 - Proxy for multiple payment mechanisms - Google Patents

Proxy for multiple payment mechanisms Download PDF

Info

Publication number: EP3061055A4
Authority: EP; European Patent Office
Prior art keywords: proxy; multiple payment; payment mechanisms; mechanisms; payment
Prior art date: 2013-10-22
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

EP14855987.5A

Other languages

German (de)

French (fr)

Other versions

EP3061055A1 (en

Inventor

Paul Aaron

William Henderson

Andrew Borovsky

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.)

Block Inc

Original Assignee

Square Inc

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.)

2013-10-22

Filing date

2014-09-30

Publication date

2017-06-07

2013-12-31 Priority claimed from US14/145,895 external-priority patent/US9922321B2/en

2014-02-04 Priority claimed from US14/172,842 external-priority patent/US8892462B1/en

2014-02-19 Priority claimed from US14/184,503 external-priority patent/US9836739B1/en

2014-09-30 Application filed by Square Inc filed Critical Square Inc

2016-08-31 Publication of EP3061055A1 publication Critical patent/EP3061055A1/en

2017-06-07 Publication of EP3061055A4 publication Critical patent/EP3061055A4/en

Status Ceased legal-status Critical Current

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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- 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
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3572—Multiple accounts on card
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Landscapes

Business, Economics & Management (AREA)
Accounting & Taxation (AREA)
Engineering & Computer Science (AREA)
Strategic Management (AREA)
Physics & Mathematics (AREA)
General Business, Economics & Management (AREA)
General Physics & Mathematics (AREA)
Theoretical Computer Science (AREA)
Finance (AREA)
Microelectronics & Electronic Packaging (AREA)
Computer Networks & Wireless Communication (AREA)
Cash Registers Or Receiving Machines (AREA)

EP14855987.5A 2013-10-22 2014-09-30 Proxy for multiple payment mechanisms Ceased EP3061055A4 (en)

Applications Claiming Priority (6)

Application Number	Priority Date	Filing Date	Title
US201361894327P	2013-10-22	2013-10-22
US14/145,895 US9922321B2 (en)	2013-10-22	2013-12-31	Proxy for multiple payment mechanisms
US14/172,842 US8892462B1 (en)	2013-10-22	2014-02-04	Proxy card payment with digital receipt delivery
US14/184,503 US9836739B1 (en)	2013-10-22	2014-02-19	Changing a financial account after initiating a payment using a proxy card
US201414189880A	2014-02-25	2014-02-25
PCT/US2014/058447 WO2015061005A1 (en)	2013-10-22	2014-09-30	Proxy for multiple payment mechanisms

Publications (2)

Publication Number	Publication Date
EP3061055A1 EP3061055A1 (en)	2016-08-31
EP3061055A4 true EP3061055A4 (en)	2017-06-07

Family

ID=52993364

Family Applications (1)

Application Number	Title	Priority Date	Filing Date
EP14855987.5A Ceased EP3061055A4 (en)	2013-10-22	2014-09-30	Proxy for multiple payment mechanisms

Country Status (2)

Country	Link
EP (1)	EP3061055A4 (en)
WO (1)	WO2015061005A1 (en)

Families Citing this family (18)

* Cited by examiner, † Cited by third party
Publication number	Priority date	Publication date	Assignee	Title
US9940616B1 (en)	2013-03-14	2018-04-10	Square, Inc.	Verifying proximity during payment transactions
US9704146B1 (en)	2013-03-14	2017-07-11	Square, Inc.	Generating an online storefront
US8892462B1 (en)	2013-10-22	2014-11-18	Square, Inc.	Proxy card payment with digital receipt delivery
US10417635B1 (en)	2013-10-22	2019-09-17	Square, Inc.	Authorizing a purchase transaction using a mobile device
US9922321B2 (en)	2013-10-22	2018-03-20	Square, Inc.	Proxy for multiple payment mechanisms
US9836739B1 (en)	2013-10-22	2017-12-05	Square, Inc.	Changing a financial account after initiating a payment using a proxy card
US10217092B1 (en)	2013-11-08	2019-02-26	Square, Inc.	Interactive digital platform
US10810682B2 (en)	2013-12-26	2020-10-20	Square, Inc.	Automatic triggering of receipt delivery
US10621563B1 (en)	2013-12-27	2020-04-14	Square, Inc.	Apportioning a payment card transaction among multiple payers
US10692059B1 (en)	2014-03-13	2020-06-23	Square, Inc.	Selecting a financial account associated with a proxy object based on fund availability
US9619792B1 (en)	2014-03-25	2017-04-11	Square, Inc.	Associating an account with a card based on a photo
US9864986B1 (en)	2014-03-25	2018-01-09	Square, Inc.	Associating a monetary value card with a payment object
US10296910B1 (en)	2014-08-08	2019-05-21	Square, Inc.	Pay-by-name payment check-in with a payment card
US10614450B1 (en)	2014-08-08	2020-04-07	Squre, Inc.	Controlled emulation of payment cards
US10304053B1 (en)	2014-08-08	2019-05-28	Square, Inc.	Shopping check-out with a payment card
US10026062B1 (en)	2015-06-04	2018-07-17	Square, Inc.	Apparatuses, methods, and systems for generating interactive digital receipts
KR101755858B1 (en) *	2015-10-13	2017-07-07	주식회사 케이비국민카드	Payment system and method of representive card connected with an app type card
US10636019B1 (en)	2016-03-31	2020-04-28	Square, Inc.	Interactive gratuity platform

Citations (3)

* Cited by examiner, † Cited by third party
Publication number	Priority date	Publication date	Assignee	Title
US20090043702A1 (en) *	2007-08-06	2009-02-12	Bennett James D	Proxy card representing many monetary sources from a plurality of vendors
US20090063312A1 (en) *	2007-08-28	2009-03-05	Hurst Douglas J	Method and System for Processing Secure Wireless Payment Transactions and for Providing a Virtual Terminal for Merchant Processing of Such Transactions
US20110180598A1 (en) *	2010-01-22	2011-07-28	American Express Travel Related Services Company Inc.	Systems, methods, and computer products for processing payments using a proxy card

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number	Priority date	Publication date	Assignee	Title
US5590038A (en) *	1994-06-20	1996-12-31	Pitroda; Satyan G.	Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions
US6796492B1 (en) *	1995-04-13	2004-09-28	James G. Gatto	Electronic fund transfer or transaction system
US7308426B1 (en) *	1999-08-11	2007-12-11	C-Sam, Inc.	System and methods for servicing electronic transactions
US20130204793A1 (en) *	2011-05-17	2013-08-08	Kevin S. Kerridge	Smart communication device secured electronic payment system

2014
- 2014-09-30 EP EP14855987.5A patent/EP3061055A4/en not_active Ceased
- 2014-09-30 WO PCT/US2014/058447 patent/WO2015061005A1/en not_active Ceased

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number	Priority date	Publication date	Assignee	Title
US20090043702A1 (en) *	2007-08-06	2009-02-12	Bennett James D	Proxy card representing many monetary sources from a plurality of vendors
US20090063312A1 (en) *	2007-08-28	2009-03-05	Hurst Douglas J	Method and System for Processing Secure Wireless Payment Transactions and for Providing a Virtual Terminal for Merchant Processing of Such Transactions
US20110180598A1 (en) *	2010-01-22	2011-07-28	American Express Travel Related Services Company Inc.	Systems, methods, and computer products for processing payments using a proxy card

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of WO2015061005A1 *

Also Published As

Publication number	Publication date
WO2015061005A1 (en)	2015-04-30
EP3061055A1 (en)	2016-08-31

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Legal Events

Date	Code	Title	Description
2016-07-29	PUAI	Public reference made under article 153(3) epc to a published international application that has entered the european phase	Free format text: ORIGINAL CODE: 0009012
2016-08-31	17P	Request for examination filed	Effective date: 20160427
2016-08-31	AK	Designated contracting states	Kind code of ref document: A1 Designated state(s): AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR
2016-08-31	AX	Request for extension of the european patent	Extension state: BA ME
2017-01-25	DAX	Request for extension of the european patent (deleted)
2017-06-07	A4	Supplementary search report drawn up and despatched	Effective date: 20170510
2017-06-07	RIC1	Information provided on ipc code assigned before grant	Ipc: G06Q 20/40 20120101ALI20170503BHEP Ipc: G06Q 40/02 20120101ALI20170503BHEP Ipc: G06Q 20/34 20120101ALI20170503BHEP Ipc: G06Q 20/20 20120101AFI20170503BHEP Ipc: G06Q 20/38 20120101ALI20170503BHEP
2018-03-23	STAA	Information on the status of an ep patent application or granted ep patent	Free format text: STATUS: EXAMINATION IS IN PROGRESS
2018-04-25	17Q	First examination report despatched	Effective date: 20180323
2019-04-16	REG	Reference to a national code	Ref country code: DE Ref legal event code: R003
2019-10-25	STAA	Information on the status of an ep patent application or granted ep patent	Free format text: STATUS: THE APPLICATION HAS BEEN REFUSED
2019-11-27	18R	Application refused	Effective date: 20190416