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WO2011130422A3 - Mobile phone as a switch - Google Patents

Mobile phone as a switch Download PDF

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Publication number
WO2011130422A3
WO2011130422A3 PCT/US2011/032343 US2011032343W WO2011130422A3 WO 2011130422 A3 WO2011130422 A3 WO 2011130422A3 US 2011032343 W US2011032343 W US 2011032343W WO 2011130422 A3 WO2011130422 A3 WO 2011130422A3
Authority
WO
WIPO (PCT)
Prior art keywords
transaction details
merchant
consumer
mobile device
identifier
Prior art date
Application number
PCT/US2011/032343
Other languages
French (fr)
Other versions
WO2011130422A2 (en
Inventor
James Dimmick
Original Assignee
Visa International Service Association
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 Visa International Service Association filed Critical Visa International Service Association
Priority to CN2011900004322U priority Critical patent/CN203299885U/en
Publication of WO2011130422A2 publication Critical patent/WO2011130422A2/en
Publication of WO2011130422A3 publication Critical patent/WO2011130422A3/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
    • G06Q20/30—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
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/383—Anonymous user 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
    • G06Q20/38—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

Landscapes

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

Abstract

Embodiments of the streamlined payment system described herein are directed to a consumer mobile device (e.g., a mobile phone) that sends transaction details for authorization, instead of the merchant sending the transaction details for authorization. This eliminates the need to present the consumer's payment account information to the merchant. The transaction details may include an amount and merchant payment initiation information. In one embodiment, the consumer mobile device may directly contact an issuer without using a traditional payment processing network. The issuer may then approve or deny the transaction and communicate directly with the issuer, merchant, or merchant's acquirer. In one embodiment, transaction details may need to be communicated from a computing device (e.g., a PC) operated by the consumer that is not collocated with the merchant. In this embodiment, the transaction details may be encoded into a particular format that can be received and read by the consumer's mobile device. The format may be a transaction details identifier or a transaction details data payload. The transaction details identifier or transaction details data payload may be an SMS or MMS message, barcode, watermarked image, or manual identifier that represents the transaction details. The SMS/MMS message with transaction details payload or identifier may be received by the mobile device. The barcode, text image, or watermarked image may be read using the mobile device's camera or other input means.
PCT/US2011/032343 2010-04-13 2011-04-13 Mobile phone as a switch WO2011130422A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN2011900004322U CN203299885U (en) 2010-04-13 2011-04-13 System and mobile device used for transaction

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US32380310P 2010-04-13 2010-04-13
US61/323,803 2010-04-13

Publications (2)

Publication Number Publication Date
WO2011130422A2 WO2011130422A2 (en) 2011-10-20
WO2011130422A3 true WO2011130422A3 (en) 2012-01-19

Family

ID=44799298

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2011/032343 WO2011130422A2 (en) 2010-04-13 2011-04-13 Mobile phone as a switch

Country Status (2)

Country Link
CN (1) CN203299885U (en)
WO (1) WO2011130422A2 (en)

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Also Published As

Publication number Publication date
CN203299885U (en) 2013-11-20
WO2011130422A2 (en) 2011-10-20

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