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WO2006044213A3 - A method for electronic payment - Google Patents

A method for electronic payment Download PDF

Info

Publication number
WO2006044213A3
WO2006044213A3 PCT/US2005/035882 US2005035882W WO2006044213A3 WO 2006044213 A3 WO2006044213 A3 WO 2006044213A3 US 2005035882 W US2005035882 W US 2005035882W WO 2006044213 A3 WO2006044213 A3 WO 2006044213A3
Authority
WO
WIPO (PCT)
Prior art keywords
platform
system platform
merchant
subscriber
electronically
Prior art date
Application number
PCT/US2005/035882
Other languages
French (fr)
Other versions
WO2006044213A2 (en
Inventor
Shawn V Fitzgerald
O'neal R Gray
Joseph R Piket
Original Assignee
Quake L L C
Shawn V Fitzgerald
O'neal R Gray
Joseph R Piket
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 EP04030898A external-priority patent/EP1677266A1/en
Priority claimed from US11/061,616 external-priority patent/US7500602B2/en
Application filed by Quake L L C, Shawn V Fitzgerald, O'neal R Gray, Joseph R Piket filed Critical Quake L L C
Publication of WO2006044213A2 publication Critical patent/WO2006044213A2/en
Publication of WO2006044213A3 publication Critical patent/WO2006044213A3/en

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
    • G06Q20/08—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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/40—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
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G07F7/12—Card verification
    • G07F7/122—Online card verification
    • 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
    • G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
    • 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
    • G06Q20/3265—Payment applications installed on the mobile devices characterised by personalisation for use

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention is a system for facilitating credit card transactions. The system operates in a setting that includes a merchant platform, a System platform and a subscriber mobile device. The merchant platform is in electronic data communications with the System platform and the subscriber mobile device is in electronic data communication with the System platform. The merchant platform receives transaction information though voice communications from a subscriber and a portion of the transaction information is sent electronically to the System platform. The System platform electronically communicates a subset of the portion to the mobile communications device, and the mobile communications device sending data related to account information to the System platform. The System platform electronically transmitting this account information to a Processor for payment authorization.
PCT/US2005/035882 2004-10-15 2005-10-05 A method for electronic payment WO2006044213A2 (en)

Applications Claiming Priority (8)

Application Number Priority Date Filing Date Title
US96465404A 2004-10-15 2004-10-15
US10/964,654 2004-10-15
EP04030898.3 2004-12-28
EP04030898A EP1677266A1 (en) 2004-12-28 2004-12-28 System and method for transmitting transaction data to facilitate the purchase of goods and services
US11/061,616 US7500602B2 (en) 2005-02-22 2005-02-22 System for increasing the security of credit and debit cards transactions
US11/061,616 2005-02-22
US18511505A 2005-07-20 2005-07-20
US11/185,115 2005-07-20

Publications (2)

Publication Number Publication Date
WO2006044213A2 WO2006044213A2 (en) 2006-04-27
WO2006044213A3 true WO2006044213A3 (en) 2007-03-08

Family

ID=36203402

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2005/035882 WO2006044213A2 (en) 2004-10-15 2005-10-05 A method for electronic payment

Country Status (1)

Country Link
WO (1) WO2006044213A2 (en)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020065774A1 (en) * 1999-11-30 2002-05-30 Alan Young System and method for performing an electronic transaction using a transaction proxy with an electronic wallet
US20030126076A1 (en) * 2001-12-27 2003-07-03 Telefonaktiebolaget L.M. Ericsson (Publ) Systems and methods for secure authorization of electronic transactions
US20040097217A1 (en) * 2002-08-06 2004-05-20 Mcclain Fred System and method for providing authentication and authorization utilizing a personal wireless communication device

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020065774A1 (en) * 1999-11-30 2002-05-30 Alan Young System and method for performing an electronic transaction using a transaction proxy with an electronic wallet
US20030126076A1 (en) * 2001-12-27 2003-07-03 Telefonaktiebolaget L.M. Ericsson (Publ) Systems and methods for secure authorization of electronic transactions
US20040097217A1 (en) * 2002-08-06 2004-05-20 Mcclain Fred System and method for providing authentication and authorization utilizing a personal wireless communication device

Also Published As

Publication number Publication date
WO2006044213A2 (en) 2006-04-27

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