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WO2012068480A3 - Financial card method, device and system utilizing bar codes to identify transaction details - Google Patents

Financial card method, device and system utilizing bar codes to identify transaction details Download PDF

Info

Publication number
WO2012068480A3
WO2012068480A3 PCT/US2011/061433 US2011061433W WO2012068480A3 WO 2012068480 A3 WO2012068480 A3 WO 2012068480A3 US 2011061433 W US2011061433 W US 2011061433W WO 2012068480 A3 WO2012068480 A3 WO 2012068480A3
Authority
WO
WIPO (PCT)
Prior art keywords
transaction details
payer device
transaction
machine
bar codes
Prior art date
Application number
PCT/US2011/061433
Other languages
French (fr)
Other versions
WO2012068480A2 (en
Inventor
Garry Lyons
David Brown
Clay Atkins
Oran Cummins
Daniel Martin
Alan Cooke
Stephen Elder
Original Assignee
Garry Lyons
David Brown
Clay Atkins
Oran Cummins
Daniel Martin
Alan Cooke
Stephen Elder
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 Garry Lyons, David Brown, Clay Atkins, Oran Cummins, Daniel Martin, Alan Cooke, Stephen Elder filed Critical Garry Lyons
Priority to EP11841749.2A priority Critical patent/EP2641219A4/en
Priority to MX2013005633A priority patent/MX341079B/en
Priority to AU2011329678A priority patent/AU2011329678B2/en
Publication of WO2012068480A2 publication Critical patent/WO2012068480A2/en
Publication of WO2012068480A3 publication Critical patent/WO2012068480A3/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
    • G06Q20/30—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
    • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
    • 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
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • G06Q20/306—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using TV related infrastructures
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Landscapes

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

Abstract

An electronic financial transaction arrangement using a payer device to read a machine-readable pay code in which transaction details for a specific transaction may be encoded by a pay code provider is disclosed. The machine-readable pay code may be distributed to the payer device through acoustic stimuli, or as a result of voice or human based gesture actions. A user of the payer device may also participate in the financial transaction through the indirect control of a display by reading a unique machine-readable code unique to the display. Additional transaction details for the specific transaction may be received in the payer device through near field communication, or accessed at a later time when there is established connectivity to a mobile network.
PCT/US2011/061433 2010-11-19 2011-11-18 Financial card method, device and system utilizing bar codes to identify transaction details WO2012068480A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
EP11841749.2A EP2641219A4 (en) 2010-11-19 2011-11-18 FINANCIAL CARD METHOD, DEVICE AND SYSTEM USING BAR CODES TO IDENTIFY THE DETAILS OF A TRANSACTION
MX2013005633A MX341079B (en) 2010-11-19 2011-11-18 Financial card method, device and system utilizing bar codes to identify transaction details.
AU2011329678A AU2011329678B2 (en) 2010-11-19 2011-11-18 Financial card method, device and system utilizing bar codes to identify transaction details

Applications Claiming Priority (8)

Application Number Priority Date Filing Date Title
US41552910P 2010-11-19 2010-11-19
US61/415,529 2010-11-19
US201161479134P 2011-04-26 2011-04-26
US61/479,134 2011-04-26
US201161534832P 2011-09-14 2011-09-14
US61/534,832 2011-09-14
US201161534963P 2011-09-15 2011-09-15
US61/534,963 2011-09-15

Publications (2)

Publication Number Publication Date
WO2012068480A2 WO2012068480A2 (en) 2012-05-24
WO2012068480A3 true WO2012068480A3 (en) 2012-08-30

Family

ID=46084674

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2011/061433 WO2012068480A2 (en) 2010-11-19 2011-11-18 Financial card method, device and system utilizing bar codes to identify transaction details

Country Status (4)

Country Link
EP (1) EP2641219A4 (en)
AU (1) AU2011329678B2 (en)
MX (1) MX341079B (en)
WO (1) WO2012068480A2 (en)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2518448A (en) * 2013-09-24 2015-03-25 Mastercard International Inc Transaction system
GB2530015A (en) * 2014-08-15 2016-03-16 Gelliner Ltd Bill payment system and method
GB2564591A (en) * 2014-08-15 2019-01-16 Gelliner Ltd Bill payment system and method
EP3201853A1 (en) * 2014-09-30 2017-08-09 Apple Inc. Recommendation of payment credential to be used based on merchant information
GB2554341A (en) * 2016-06-30 2018-04-04 Vocalink Ltd Secure method of providing a delivery address during a tokenised transaction
CN110796804B (en) * 2018-08-03 2022-04-05 阿里巴巴集团控股有限公司 Data object information processing method, device and system

Citations (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002099716A (en) * 2000-09-25 2002-04-05 Masanao Kuninobu Electronic settlement system
US20050121512A1 (en) * 2001-12-06 2005-06-09 John Wankmueller Method and system for conducting transactions using a payment card with two technologies
KR20060024257A (en) * 2004-09-13 2006-03-16 주식회사 케이티 Location based customized surrounding information provision system and method
JP2006155476A (en) * 2004-12-01 2006-06-15 Oki Electric Ind Co Ltd Internet financial transaction system
KR20080107475A (en) * 2004-05-06 2008-12-10 유티-배틀, 엘엘시 Maritime Asset Security and Tracking (ＭＡＴＴ) System
KR20090101864A (en) * 2008-03-24 2009-09-29 강민수 Method on information processing of content syndication system participating in digital content syndication of digital content using wire or wireless network
US20090281904A1 (en) * 2008-04-02 2009-11-12 Pharris Dennis J Mobile telephone transaction systems and methods
US20090284482A1 (en) * 2008-05-17 2009-11-19 Chin David H Touch-based authentication of a mobile device through user generated pattern creation
US20100053169A1 (en) * 2008-09-03 2010-03-04 Cook Perry R System and method for communication between mobile devices using digital/acoustic techniques
KR20100031436A (en) * 2008-09-12 2010-03-22 신교진 System and method for mobile order and payment using the display unit and mobile-phone

Family Cites Families (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10340871A1 (en) * 2003-09-04 2005-04-07 Fun Communications Gmbh A method for initiating a payment process for products and system for performing a payment transaction
KR100786919B1 (en) 2006-01-23 2007-12-17 미츠비시 쥬고교 가부시키가이샤 Distributed signal control system
FR2906667B1 (en) * 2006-10-02 2009-01-16 Eastman Kodak Co PRODUCTION OF VISUAL CODES FOR THE MATCHING OF ELECTRONIC EQUIPMENT.
US20080301737A1 (en) * 2007-05-31 2008-12-04 Sony Ericsson Mobile Communications Ab System and method for personalized television viewing triggered by a portable communication device
EP2728528A1 (en) * 2008-05-30 2014-05-07 MR.QR10 GmbH & Co. KG Server device for controlling a transaction, first entity and second entity
CN101520924A (en) 2008-12-31 2009-09-02 上海序参量科技发展有限公司 Terminal, system and realization method for realizing financial transactions by two-dimensional bar code
TW201032160A (en) * 2009-02-19 2010-09-01 Simpleact Inc System and method for mobile trade

Patent Citations (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002099716A (en) * 2000-09-25 2002-04-05 Masanao Kuninobu Electronic settlement system
US20050121512A1 (en) * 2001-12-06 2005-06-09 John Wankmueller Method and system for conducting transactions using a payment card with two technologies
KR20080107475A (en) * 2004-05-06 2008-12-10 유티-배틀, 엘엘시 Maritime Asset Security and Tracking (ＭＡＴＴ) System
KR20060024257A (en) * 2004-09-13 2006-03-16 주식회사 케이티 Location based customized surrounding information provision system and method
JP2006155476A (en) * 2004-12-01 2006-06-15 Oki Electric Ind Co Ltd Internet financial transaction system
KR20090101864A (en) * 2008-03-24 2009-09-29 강민수 Method on information processing of content syndication system participating in digital content syndication of digital content using wire or wireless network
US20090281904A1 (en) * 2008-04-02 2009-11-12 Pharris Dennis J Mobile telephone transaction systems and methods
US20090284482A1 (en) * 2008-05-17 2009-11-19 Chin David H Touch-based authentication of a mobile device through user generated pattern creation
US20100053169A1 (en) * 2008-09-03 2010-03-04 Cook Perry R System and method for communication between mobile devices using digital/acoustic techniques
KR20100031436A (en) * 2008-09-12 2010-03-22 신교진 System and method for mobile order and payment using the display unit and mobile-phone

Also Published As

Publication number Publication date
MX2013005633A (en) 2013-08-29
WO2012068480A2 (en) 2012-05-24
EP2641219A2 (en) 2013-09-25
AU2011329678B2 (en) 2017-04-20
EP2641219A4 (en) 2014-05-14
AU2011329678A1 (en) 2013-07-04
MX341079B (en) 2016-08-05

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