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WO2004053640A3 - System and method for mobile payment and fulfilment digital goods - Google Patents

System and method for mobile payment and fulfilment digital goods Download PDF

Info

Publication number
WO2004053640A3
WO2004053640A3 PCT/US2003/038692 US0338692W WO2004053640A3 WO 2004053640 A3 WO2004053640 A3 WO 2004053640A3 US 0338692 W US0338692 W US 0338692W WO 2004053640 A3 WO2004053640 A3 WO 2004053640A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment card
server
payment
communication device
fulfilment
Prior art date
Application number
PCT/US2003/038692
Other languages
French (fr)
Other versions
WO2004053640A2 (en
Inventor
Scott Goldhwaite
William Graylin
Original Assignee
Way Systems Inc
Scott Goldhwaite
William Graylin
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 Way Systems Inc, Scott Goldhwaite, William Graylin filed Critical Way Systems Inc
Priority to AU2003298928A priority Critical patent/AU2003298928A1/en
Publication of WO2004053640A2 publication Critical patent/WO2004053640A2/en
Publication of WO2004053640A3 publication Critical patent/WO2004053640A3/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
    • G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G07F7/0806—Details of the card
    • G07F7/0813—Specific details related to card security
    • G07F7/082—Features insuring the integrity of the data on or in the card
    • 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
    • G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)

Abstract

An electronic payment and fulfillment system utilized by a customer for purchasing a digital good includes a merchant server 104, a payment server 106, an authentication server 107, a fulfillment server 180 and a communication device 110. The communication device 110 includes a payment card module and the payment card module receives a payment card 190 and reads payment card identification information stored in the payment card. The communication device 110 transmits the payment card identification information to the payment server 106 and then receives the digital good from the fulfillment server 180 and stores it onto the payment card 190. Communications from and to the communication device 110 pass through the authentication server 107.
PCT/US2003/038692 2002-12-06 2003-12-05 System and method for mobile payment and fulfilment digital goods WO2004053640A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2003298928A AU2003298928A1 (en) 2002-12-06 2003-12-05 System and method for mobile payment and fulfilment digital goods

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US43156702P 2002-12-06 2002-12-06
US60/431,567 2002-12-06

Publications (2)

Publication Number Publication Date
WO2004053640A2 WO2004053640A2 (en) 2004-06-24
WO2004053640A3 true WO2004053640A3 (en) 2006-08-10

Family

ID=32507754

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2003/038692 WO2004053640A2 (en) 2002-12-06 2003-12-05 System and method for mobile payment and fulfilment digital goods

Country Status (2)

Country Link
AU (1) AU2003298928A1 (en)
WO (1) WO2004053640A2 (en)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8538845B2 (en) 2011-06-03 2013-09-17 Mozido, Llc Monetary transaction system
US9208488B2 (en) 2011-11-21 2015-12-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers

Families Citing this family (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100677344B1 (en) * 2004-07-29 2007-02-02 엘지전자 주식회사 Message for processing rights object and method and system for processing rights object using same
DE102004043789A1 (en) * 2004-09-08 2006-03-23 Vodafone Holding Gmbh Device and method for limiting a payment transaction with a mobile radio network
US20070106564A1 (en) * 2005-11-04 2007-05-10 Utiba Pte Ltd. Mobile phone as a point of sale (POS) device
US7698220B2 (en) 2006-09-14 2010-04-13 E2Interactive, Inc. Virtual terminal for payment processing
US9195980B2 (en) * 2009-10-30 2015-11-24 Nokia Technologies Oy Method and apparatus for recovery during authentication
US9489669B2 (en) 2010-12-27 2016-11-08 The Western Union Company Secure contactless payment systems and methods
US10438196B2 (en) 2011-11-21 2019-10-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US8639619B1 (en) 2012-07-13 2014-01-28 Scvngr, Inc. Secure payment method and system
US8770478B2 (en) 2013-07-11 2014-07-08 Scvngr, Inc. Payment processing with automatic no-touch mode selection
US10990951B2 (en) * 2019-01-18 2021-04-27 Mastercard International Incorporated Systems and methods for a payment card with multiple funding sources

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020077993A1 (en) * 2000-12-18 2002-06-20 Nokia Corporation Method and system for conducting wireless payments
US20020152179A1 (en) * 2000-10-27 2002-10-17 Achiezer Racov Remote payment method and system
US20020165831A1 (en) * 2000-03-31 2002-11-07 Michael Horn Electronic payment method and system for carrying out the same
US20030208444A1 (en) * 2002-05-06 2003-11-06 Hermann Sauer Payment system and method

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020165831A1 (en) * 2000-03-31 2002-11-07 Michael Horn Electronic payment method and system for carrying out the same
US20020152179A1 (en) * 2000-10-27 2002-10-17 Achiezer Racov Remote payment method and system
US20020077993A1 (en) * 2000-12-18 2002-06-20 Nokia Corporation Method and system for conducting wireless payments
US20030208444A1 (en) * 2002-05-06 2003-11-06 Hermann Sauer Payment system and method

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8538845B2 (en) 2011-06-03 2013-09-17 Mozido, Llc Monetary transaction system
US9208488B2 (en) 2011-11-21 2015-12-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers

Also Published As

Publication number Publication date
AU2003298928A1 (en) 2004-06-30
AU2003298928A8 (en) 2004-06-30
WO2004053640A2 (en) 2004-06-24

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