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FI20116166L - A payment system and method that uses a mobile terminal - Google Patents

A payment system and method that uses a mobile terminal Download PDF

Info

Publication number
FI20116166L
FI20116166L FI20116166A FI20116166A FI20116166L FI 20116166 L FI20116166 L FI 20116166L FI 20116166 A FI20116166 A FI 20116166A FI 20116166 A FI20116166 A FI 20116166A FI 20116166 L FI20116166 L FI 20116166L
Authority
FI
Finland
Prior art keywords
payment
credit
debit card
purchaser
merchant
Prior art date
Application number
FI20116166A
Other languages
Finnish (fi)
Swedish (sv)
Other versions
FI20116166A7 (en
Inventor
Mikko Torstila
Original Assignee
Mainostoimisto Luxus 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 Mainostoimisto Luxus Oy filed Critical Mainostoimisto Luxus Oy
Priority to FI20116166A priority Critical patent/FI20116166A7/en
Priority to PCT/FI2012/051151 priority patent/WO2013076368A1/en
Publication of FI20116166L publication Critical patent/FI20116166L/en
Publication of FI20116166A7 publication Critical patent/FI20116166A7/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • 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
    • G06Q20/352—Contactless payments by cards
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0723—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
    • G06K7/10009—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
    • G06K7/10366—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves the interrogation device being adapted for miscellaneous applications
    • G06K7/10376—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves the interrogation device being adapted for miscellaneous applications the interrogation device being adapted for being moveable

Landscapes

  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Toxicology (AREA)
  • Health & Medical Sciences (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Business, Economics & Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Hardware Design (AREA)
  • Strategic Management (AREA)
  • Accounting & Taxation (AREA)
  • Electromagnetism (AREA)
  • General Health & Medical Sciences (AREA)
  • Artificial Intelligence (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The system comprises a mobile communication terminal (100) with a NFC module (110), a credit and/or debit card (200) with a NFC chip (210), a payment gateway server (300), and at least one financial server (400, 500, 600). The mobile communication terminal (100) is configured to act as a merchant terminal by activating a payment program module (120). The credit and/or debit card number of the purchaser is read from the NFC chip (210) into the NFC module (110), credit or debit is selected manually or automatically, the amount of the payment and the security code of the purchaser are inserted into the payment program module (120). The credit and/or debit card number, the amount of the payment as well as the credit and/or debit card number or account number of the merchant are sent from the mobile communication terminal (100) to the payment gateway server (300) for acceptance. The financial transaction is after acceptance executed from the purchaser to the merchant through the payment gateway server (300) or directly between the financial servers (400, 600) of the relevant financial institutions.
FI20116166A 2011-11-23 2011-11-23 A payment system and method using a mobile communication terminal FI20116166A7 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
FI20116166A FI20116166A7 (en) 2011-11-23 2011-11-23 A payment system and method using a mobile communication terminal
PCT/FI2012/051151 WO2013076368A1 (en) 2011-11-23 2012-11-21 A payment system and method using a mobile communication terminal

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
FI20116166A FI20116166A7 (en) 2011-11-23 2011-11-23 A payment system and method using a mobile communication terminal

Publications (2)

Publication Number Publication Date
FI20116166L true FI20116166L (en) 2013-05-24
FI20116166A7 FI20116166A7 (en) 2013-05-24

Family

ID=47471853

Family Applications (1)

Application Number Title Priority Date Filing Date
FI20116166A FI20116166A7 (en) 2011-11-23 2011-11-23 A payment system and method using a mobile communication terminal

Country Status (2)

Country Link
FI (1) FI20116166A7 (en)
WO (1) WO2013076368A1 (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110969775A (en) * 2018-09-29 2020-04-07 京东数字科技控股有限公司 Article access method, electronic device, self-service cabinet and computer-readable storage medium

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7896233B2 (en) * 2007-12-27 2011-03-01 Mastercard International, Inc. Methods and apparatus for personalizing merchant device for receiving contactless payments
US9454865B2 (en) * 2008-08-06 2016-09-27 Intel Corporation Methods and systems to securely load / reload acontactless payment device
KR20100060707A (en) 2008-11-28 2010-06-07 주식회사 하렉스인포텍 Patment and authorization, settlement and membership joining method, device and system by purchaser using mobile communication terminal

Also Published As

Publication number Publication date
WO2013076368A1 (en) 2013-05-30
FI20116166A7 (en) 2013-05-24

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Legal Events

Date Code Title Description
FD Application lapsed