WO2006078910A3 - Wireless payment methods and systems - Google Patents

Wireless payment methods and systems Download PDF

Info

Publication number
WO2006078910A3
WO2006078910A3 PCT/US2006/002049 US2006002049W WO2006078910A3 WO 2006078910 A3 WO2006078910 A3 WO 2006078910A3 US 2006002049 W US2006002049 W US 2006002049W WO 2006078910 A3 WO2006078910 A3 WO 2006078910A3
Authority
WO
WIPO (PCT)
Prior art keywords
portable electronic
payment
electronic device
request
systems
Prior art date
Application number
PCT/US2006/002049
Other languages
French (fr)
Other versions
WO2006078910A2 (en
Inventor
Joan Myers
Sara Garrison
Original Assignee
Visa Usa Inc
Visa Int Service Ass
Joan Myers
Sara Garrison
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 Usa Inc, Visa Int Service Ass, Joan Myers, Sara Garrison filed Critical Visa Usa Inc
Priority to EP06719027A priority Critical patent/EP1839231A4/en
Priority to CA002595176A priority patent/CA2595176A1/en
Publication of WO2006078910A2 publication Critical patent/WO2006078910A2/en
Publication of WO2006078910A3 publication Critical patent/WO2006078910A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Abstract

A method for conducting a transaction is disclosed. The method includes using a first portable electronic device (12), and directly transmitting a request for payment to a second portable electronic device (1) through a wireless link. Then, the second portable electronic device (14) transmits an approval of the request for payment to the first portable electronic device (12). One of the first and die second portable electronic devices (12, 14) then sends the request for payment to a payment hub service (18). The payment hub service then facilitates the transfer of funds from a payer institution (20) to a payee institution (24) to complete the transaction.
PCT/US2006/002049 2005-01-21 2006-01-19 Wireless payment methods and systems WO2006078910A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
EP06719027A EP1839231A4 (en) 2005-01-21 2006-01-19 Wireless payment methods and systems
CA002595176A CA2595176A1 (en) 2005-01-21 2006-01-19 Wireless payment methods and systems

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US11/040,640 2005-01-21
US11/040,640 US7124937B2 (en) 2005-01-21 2005-01-21 Wireless payment methods and systems

Publications (2)

Publication Number Publication Date
WO2006078910A2 WO2006078910A2 (en) 2006-07-27
WO2006078910A3 true WO2006078910A3 (en) 2006-11-23

Family

ID=36692924

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2006/002049 WO2006078910A2 (en) 2005-01-21 2006-01-19 Wireless payment methods and systems

Country Status (4)

Country Link
US (12) US7124937B2 (en)
EP (1) EP1839231A4 (en)
CA (1) CA2595176A1 (en)
WO (1) WO2006078910A2 (en)

Families Citing this family (142)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7483856B2 (en) 2001-01-17 2009-01-27 Xprt Ventures, Llc System and method for effecting payment for an electronic auction commerce transaction
CA2348353A1 (en) 2001-05-22 2002-11-22 Marc Arseneau Local broadcast system
US9367841B2 (en) 2011-07-18 2016-06-14 Tiger T G Zhou Facilitating mobile device payments using product code scanning
WO2004091170A2 (en) 2003-03-31 2004-10-21 Visa U.S.A. Inc. Method and system for secure authentication
US8016185B2 (en) * 2004-07-06 2011-09-13 Visa International Service Association Money transfer service with authentication
US7124937B2 (en) * 2005-01-21 2006-10-24 Visa U.S.A. Inc. Wireless payment methods and systems
US20060243793A1 (en) * 2005-04-27 2006-11-02 Siewert Neil E Value unit
US7482925B2 (en) * 2005-06-24 2009-01-27 Visa U.S.A. Apparatus and method to electromagnetically shield portable consumer devices
EP1978480A3 (en) 2005-07-22 2011-09-07 Kangaroo Media, Inc. System and methods for enhancing the experience of spectators atttending a live sporting event
US8042140B2 (en) 2005-07-22 2011-10-18 Kangaroo Media, Inc. Buffering content on a handheld electronic device
US8874477B2 (en) 2005-10-04 2014-10-28 Steven Mark Hoffberg Multifactorial optimization system and method
FR2898238B1 (en) * 2006-03-02 2008-06-06 Customer Product Relationship TRANSACTION METHOD BETWEEN TWO SERVERS HAVING A PRIOR VALIDATION STEP USING TWO MOBILE TELEPHONES
US20070265984A1 (en) * 2006-04-24 2007-11-15 Prakash Santhana Financial transaction using mobile devices
US8741643B2 (en) 2006-04-28 2014-06-03 Lifescan, Inc. Differentiation of pluripotent stem cells to definitive endoderm lineage
US20080010204A1 (en) * 2006-07-06 2008-01-10 Firethorn Holdings, Llc Methods and Systems For Making a Payment Via a Paper Check in a Mobile Environment
US8121945B2 (en) * 2006-07-06 2012-02-21 Firethorn Mobile, Inc. Methods and systems for payment method selection by a payee in a mobile environment
US8467766B2 (en) 2006-07-06 2013-06-18 Qualcomm Incorporated Methods and systems for managing payment sources in a mobile environment
US8510220B2 (en) 2006-07-06 2013-08-13 Qualcomm Incorporated Methods and systems for viewing aggregated payment obligations in a mobile environment
US8160959B2 (en) * 2006-07-06 2012-04-17 Firethorn Mobile, Inc. Methods and systems for payment transactions in a mobile environment
US9911114B2 (en) 2006-07-06 2018-03-06 Qualcomm Incorporated Methods and systems for making a payment via a stored value card in a mobile environment
US8145568B2 (en) * 2006-07-06 2012-03-27 Firethorn Mobile, Inc. Methods and systems for indicating a payment in a mobile environment
US8489067B2 (en) 2006-07-06 2013-07-16 Qualcomm Incorporated Methods and systems for distribution of a mobile wallet for a mobile device
US7886962B2 (en) 2006-08-17 2011-02-15 Verizon Patent And Licensing Inc. Multi-function transaction device
US10346837B2 (en) * 2006-11-16 2019-07-09 Visa U.S.A. Inc. Adaptive authentication options
US8504451B2 (en) 2006-11-16 2013-08-06 Visa U.S.A. Inc. Method and system using candidate dynamic data elements
US20080154735A1 (en) * 2006-12-26 2008-06-26 Mark Carlson Mobile vending purchasing
US9940627B2 (en) 2006-12-26 2018-04-10 Visa U.S.A. Inc. Mobile coupon method and system
US7848980B2 (en) 2006-12-26 2010-12-07 Visa U.S.A. Inc. Mobile payment system and method using alias
CN101647040A (en) * 2006-12-26 2010-02-10 维萨美国股份有限公司 Mobile payment system and method using alias
US8615426B2 (en) 2006-12-26 2013-12-24 Visa U.S.A. Inc. Coupon offers from multiple entities
BRPI0806457A2 (en) 2007-01-09 2011-09-06 Visa Usa Inc Method mobile phone and system
US20080177661A1 (en) * 2007-01-22 2008-07-24 Divya Mehra System and methods for phone-based payments
US10055735B2 (en) 2007-01-30 2018-08-21 Visa U.S.A., Inc. Delayed transit fare assessment
US8935187B2 (en) 2007-03-07 2015-01-13 Playspan, Inc. Distributed payment system and method
US8505826B2 (en) 2007-04-16 2013-08-13 Visa U.S.A. Anti-interrogation for portable device
US8543496B2 (en) 2007-04-27 2013-09-24 American Express Travel Related Services Company, Inc. User experience on mobile phone
US8620260B2 (en) 2007-04-27 2013-12-31 American Express Travel Related Services Company, Inc. Payment application download to mobile phone and phone personalization
US20080270301A1 (en) * 2007-04-27 2008-10-30 American Express Travel Related Services Co., Inc. Mobile payment system and method
US8688570B2 (en) * 2007-04-27 2014-04-01 American Express Travel Related Services Company, Inc. System and method for performing person-to-person funds transfers via wireless communications
US20080300895A1 (en) * 2007-06-04 2008-12-04 Monk Justin T Method and system for handling returned payment card account statements
US7809637B2 (en) * 2007-06-04 2010-10-05 Visa U.S.A. Inc. Portability of financial tokens
US8165938B2 (en) * 2007-06-04 2012-04-24 Visa U.S.A. Inc. Prepaid card fraud and risk management
US7627522B2 (en) * 2007-06-04 2009-12-01 Visa U.S.A. Inc. System, apparatus and methods for comparing fraud parameters for application during prepaid card enrollment and transactions
US8290832B2 (en) * 2007-06-04 2012-10-16 Visa U.S.A. Inc. Method and system for handling returned prepaid payment cards
US8146806B2 (en) * 2007-06-04 2012-04-03 Visa U.S.A. Inc. Prepaid negative balance fee processing and fee diversion
US7860790B2 (en) * 2007-06-04 2010-12-28 Visa U.S.A. Inc. Systems and methods for automatic migration of a consumer between financial accounts
US8604995B2 (en) * 2007-06-11 2013-12-10 Visa U.S.A. Inc. Shielding of portable consumer device
US9342823B2 (en) * 2007-06-18 2016-05-17 Lemon, Inc. Payment clearing network for electronic financial transactions and related personal financial transaction device
US9080145B2 (en) 2007-07-01 2015-07-14 Lifescan Corporation Single pluripotent stem cell culture
US8538819B2 (en) * 2007-07-30 2013-09-17 Ebay Inc. Method and system for dynamic funding
US9292850B2 (en) * 2007-09-10 2016-03-22 Visa U.S.A. Inc. Host capture
US9304555B2 (en) 2007-09-12 2016-04-05 Devicefidelity, Inc. Magnetically coupling radio frequency antennas
US8070057B2 (en) 2007-09-12 2011-12-06 Devicefidelity, Inc. Switching between internal and external antennas
US8915447B2 (en) 2007-09-12 2014-12-23 Devicefidelity, Inc. Amplifying radio frequency signals
US20090070691A1 (en) 2007-09-12 2009-03-12 Devicefidelity, Inc. Presenting web pages through mobile host devices
US9311766B2 (en) 2007-09-12 2016-04-12 Devicefidelity, Inc. Wireless communicating radio frequency signals
US8170527B2 (en) 2007-09-26 2012-05-01 Visa U.S.A. Inc. Real-time balance on a mobile phone
FR2922670B1 (en) * 2007-10-22 2021-04-09 Oberthur Card Syst Sa METHOD AND DEVICE FOR THE EXCHANGE OF VALUES BETWEEN PERSONAL PORTABLE ELECTRONIC ENTITIES
US20090112744A1 (en) * 2007-10-24 2009-04-30 Mobilekash, Inc. System, Method, and Computer-Readable Medium for Mobile Loan Acquisition
US20090112767A1 (en) 2007-10-25 2009-04-30 Ayman Hammad Escrow system and method
US8311913B2 (en) * 2007-10-30 2012-11-13 Visa U.S.A. Inc. Payment entity account set up for multiple payment methods
US8407141B2 (en) * 2007-10-30 2013-03-26 Visa U.S.A. Inc. System and method for processing multiple methods of payment
US8341046B2 (en) 2007-10-30 2012-12-25 Visa U.S.A. Inc. Payment entity device reconciliation for multiple payment methods
US8311937B2 (en) * 2007-10-30 2012-11-13 Visa U.S.A. Inc. Client supported multiple payment methods system
US8374932B2 (en) 2007-10-30 2013-02-12 Visa U.S.A. Inc. Payment entity device transaction processing using multiple payment methods
US8311914B2 (en) 2007-10-30 2012-11-13 Visa U.S.A. Inc. Payment entity for account payables processing using multiple payment methods
US8038068B2 (en) * 2007-11-28 2011-10-18 Visa U.S.A. Inc. Multifunction removable cover for portable payment device
SE532268C2 (en) 2007-12-04 2009-11-24 Accumulate Ab Procedure for secure transactions
US8020775B2 (en) 2007-12-24 2011-09-20 Dynamics Inc. Payment cards and devices with enhanced magnetic emulators
US20090171797A1 (en) * 2007-12-28 2009-07-02 Mastercard International, Inc. Positionally Trackable Payment Device
US20100027786A1 (en) * 2008-02-14 2010-02-04 Patrick Faith Dynamic encryption authentication
US8214298B2 (en) * 2008-02-26 2012-07-03 Rfinity Corporation Systems and methods for performing wireless financial transactions
US9715709B2 (en) 2008-05-09 2017-07-25 Visa International Services Association Communication device including multi-part alias identifier
US20090327135A1 (en) * 2008-06-26 2009-12-31 Loc Duc Nguyen Credit card paired with location identifiable device for point of service fraud detection
US8707319B2 (en) * 2008-06-26 2014-04-22 Visa International Service Association Resource location verification by comparing and updating resource location with a location of a consumer device after a threshold of location mismatches is exceeded
US9542687B2 (en) 2008-06-26 2017-01-10 Visa International Service Association Systems and methods for visual representation of offers
US8219489B2 (en) 2008-07-29 2012-07-10 Visa U.S.A. Inc. Transaction processing using a global unique identifier
US9824355B2 (en) 2008-09-22 2017-11-21 Visa International Service Association Method of performing transactions with contactless payment devices using pre-tap and two-tap operations
US8977567B2 (en) 2008-09-22 2015-03-10 Visa International Service Association Recordation of electronic payment transaction information
US10706402B2 (en) 2008-09-22 2020-07-07 Visa International Service Association Over the air update of payment transaction data stored in secure memory
US20100082466A1 (en) * 2008-09-26 2010-04-01 Mark Carlson Beneficiary initiated p2p, p2b payment model
US20100094756A1 (en) * 2008-10-10 2010-04-15 Gelpay, Llc System and method for rapid financial transactions through an open financial exchange or wire transfer
US20100102131A1 (en) * 2008-10-28 2010-04-29 First Data Corporation Systems and Methods for Disabling a Contactless Transaction Device
US20100102123A1 (en) * 2008-10-28 2010-04-29 First Data Corporation Systems, Methods, and Apparatus for Facilitating Access to Medical Information
US8550361B2 (en) * 2008-10-28 2013-10-08 First Data Corporation Systems, methods, and apparatus to facilitate locating a user of a transaction device
US10803515B2 (en) * 2008-10-31 2020-10-13 First Data Corporation Systems, methods, and apparatus for using a contactless transaction device reader with a computing system
FR2940489B1 (en) * 2008-12-22 2021-05-28 Compagnie Ind Et Financiere Dingenierie Ingenico ASSISTANCE PROCESS FOR THE CONTROL OF TRANSACTION RECORDS, TRANSACTION DEVICE, SERVER, MOBILE TERMINAL AND CORRESPONDING COMPUTER PROGRAMS.
US9077800B2 (en) * 2009-03-02 2015-07-07 First Data Corporation Systems, methods, and devices for processing feedback information received from mobile devices responding to tone transmissions
US10430873B2 (en) 2009-03-02 2019-10-01 Kabbage, Inc. Method and apparatus to evaluate and provide funds in online environments
US20100222072A1 (en) * 2009-03-02 2010-09-02 First Data Corporation Systems, methods and apparatus for providing information to a mobile device
US20100222087A1 (en) * 2009-03-02 2010-09-02 First Data Corporation Systems, methods and apparatus for communicating information to a mobile device in a broadcast signal
US20100222038A1 (en) * 2009-03-02 2010-09-02 First Data Corporation Systems, methods, and devices for communicating supplemental information to mobile devices
US8577346B2 (en) * 2009-03-02 2013-11-05 First Data Corporation Systems, methods, and apparatus for receiving promotion information by a mobile device
US20100223120A1 (en) * 2009-03-02 2010-09-02 First Data Corporation Systems, methods, and devices for administering consumer reward programs through the use of tones sent to mobile devices
US8577345B2 (en) * 2009-03-02 2013-11-05 First Data Corporation Systems, methods, and apparatus for providing promotion information to a mobile device
US20100223138A1 (en) * 2009-03-02 2010-09-02 First Data Corporation Systems, methods and apparatus for marketing by communicating tones to a mobile device
US8725121B2 (en) * 2009-03-02 2014-05-13 First Data Corporation Systems, methods, and devices for prompting mobile device users for feedback information using tone transmissions
US8606638B2 (en) * 2009-03-02 2013-12-10 First Data Corporation Systems, methods and apparatus for facilitating transactions using a mobile device
US20100222037A1 (en) * 2009-03-02 2010-09-02 First Data Corporation Systems, Methods, and Apparatus for Providing Terms and Conditions and Program Enrollment Information to a Mobile Device
US20100222100A1 (en) * 2009-03-02 2010-09-02 First Data Corporation Systems, methods and apparatus for facilitating communication between mobile devices
US20100222088A1 (en) * 2009-03-02 2010-09-02 First Data Corporation Systems, methods and apparatus for receiving information by a mobile device
US20100228667A1 (en) * 2009-03-06 2010-09-09 Kalwani Rajesh M System and method for on-street parking revenue model for electronically collecting fees
US9105027B2 (en) * 2009-05-15 2015-08-11 Visa International Service Association Verification of portable consumer device for secure services
US8612352B2 (en) 2010-10-13 2013-12-17 Square, Inc. Decoding systems with a decoding engine running on a mobile device and coupled to a payment system that includes identifying information of second parties qualified to conduct business with the payment system
US8483448B2 (en) 2009-11-17 2013-07-09 Scanable, Inc. Electronic sales method
US10032239B2 (en) * 2010-06-10 2018-07-24 United Parcel Service Of America, Inc. Enhanced payments for shipping
US8590779B2 (en) 2010-06-29 2013-11-26 Visa International Service Association Value token conversion
US8740064B2 (en) * 2011-04-08 2014-06-03 Blackberry Limited Payment processing system including mobile wireless communications device to send a payment confirmation to a transaction terminal and associated methods
US10402898B2 (en) * 2011-05-04 2019-09-03 Paypal, Inc. Image-based financial processing
EP2707847A4 (en) * 2011-05-10 2015-04-01 Dynamics Inc Systems, devices, and methods for mobile payment acceptance, mobile authorizations, mobile wallets, and contactless communication mechanisms
CA2849324C (en) * 2011-09-22 2020-01-07 Securekey Technologies Inc. Systems and methods for contactless transaction processing
US20140019341A1 (en) * 2012-04-10 2014-01-16 Kabbage, Inc. Method, apparatus and computer readable storage to effectuate an instantaneous monetary transfer
US10255632B2 (en) 2012-07-02 2019-04-09 Kabbage, Inc. Method and apparatus to evaluate and provide funds in online environments
AU2013295667B2 (en) * 2012-07-25 2016-08-04 Paypal, Inc. Electronic payments to non-internet connected devices systems and methods
US20140143143A1 (en) * 2012-11-16 2014-05-22 Jonathan David Fasoli Using card image to extract bank account information
US9432361B2 (en) * 2013-03-13 2016-08-30 Lookout, Inc. System and method for changing security behavior of a device based on proximity to another device
US10115086B2 (en) * 2013-05-15 2018-10-30 Moneygram International, Inc. Systems and methods for directing a money transfer to a receiving party account
US9721248B2 (en) 2014-03-04 2017-08-01 Bank Of America Corporation ATM token cash withdrawal
US10395237B2 (en) 2014-05-22 2019-08-27 American Express Travel Related Services Company, Inc. Systems and methods for dynamic proximity based E-commerce transactions
US20150363764A1 (en) * 2014-06-16 2015-12-17 Bank Of America Corporation Person-to-person (p2p) payments via a short-range wireless payment beacon
US10360597B2 (en) 2014-06-27 2019-07-23 American Express Travel Related Services Company, Inc. System and method for contextual services experience
US10454926B2 (en) 2014-06-27 2019-10-22 American Express Travel Related Services Company, Inc. System and method for connectivity contextual services local online experience
US9794392B2 (en) 2014-07-10 2017-10-17 Hand Held Products, Inc. Mobile-phone adapter for electronic transactions
US10217151B1 (en) 2014-07-23 2019-02-26 American Express Travel Related Services Company, Inc. Systems and methods for proximity based communication
US10062073B2 (en) 2014-08-26 2018-08-28 American Express Travel Related Services Company, Inc. System and method for providing a BLUETOOTH low energy mobile payment system
US10182328B1 (en) 2015-05-23 2019-01-15 Square, Inc. Point of sale (POS) device responsive to detected interference with antenna
US10515384B2 (en) 2016-05-13 2019-12-24 American Express Travel Related Services Company, Inc. Systems and methods for contextual services using voice personal assistants
US11232187B2 (en) 2016-01-13 2022-01-25 American Express Travel Related Services Company, Inc. Contextual identification and information security
US11159519B2 (en) 2016-01-13 2021-10-26 American Express Travel Related Services Company, Inc. Contextual injection
US20170330233A1 (en) 2016-05-13 2017-11-16 American Express Travel Related Services Company, Inc. Systems and methods for contextual services across platforms based on selectively shared information
WO2017136418A1 (en) 2016-02-01 2017-08-10 Visa International Service Association Systems and methods for code display and use
US10460367B2 (en) 2016-04-29 2019-10-29 Bank Of America Corporation System for user authentication based on linking a randomly generated number to the user and a physical item
US10268635B2 (en) 2016-06-17 2019-04-23 Bank Of America Corporation System for data rotation through tokenization
US10733589B2 (en) 2017-04-28 2020-08-04 Square, Inc. Point of sale device power management and under voltage protection
US10579566B2 (en) * 2017-04-28 2020-03-03 Square, Inc. Point of sale device with switchable internal connection roles
US9978086B1 (en) * 2017-06-29 2018-05-22 The Bartley J. Madden Foundation Systems and methods regarding point-of-recognition optimization of onsite user purchases at a physical location
US10062069B1 (en) 2017-06-29 2018-08-28 The Bartley J. Madden Foundation Systems and methods regarding point-of-recognition optimization of onsite user purchases at a physical location
US11257058B1 (en) * 2017-10-30 2022-02-22 Square, Inc. Sharing output device between unsecured processor and secured processor
US10970698B1 (en) * 2017-12-08 2021-04-06 Square, Inc. Reader detection signal bypassing secure processor
EP3591599A1 (en) * 2018-07-04 2020-01-08 Momentum Booking SRL Method for effecting a payment transaction to an actual store from any location
US11216806B2 (en) 2018-09-19 2022-01-04 Capital One Services, Llc Systems and methods for providing card interactions
EP4097667A4 (en) * 2020-01-29 2024-02-28 Crunchfish Digital Cash Ab Method, system, devices and computer program products for handling digital payments between payers and payees being in physical proximity to each other

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6175922B1 (en) * 1996-12-04 2001-01-16 Esign, Inc. Electronic transaction systems and methods therefor
US20040167820A1 (en) * 2003-02-26 2004-08-26 Diana Melick Two part payment terminal

Family Cites Families (201)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4674041A (en) 1983-09-15 1987-06-16 James K. Appleton Method and apparatus for controlling the distribution of coupons
US4613904A (en) 1984-03-15 1986-09-23 Control Data Corporation Television monitoring device
US4882675A (en) 1984-11-26 1989-11-21 Steven Nichtberger Paperless system for distributing, redeeming and clearing merchandise coupons
US5649114A (en) 1989-05-01 1997-07-15 Credit Verification Corporation Method and system for selective incentive point-of-sale marketing in response to customer shopping histories
US5201010A (en) 1989-05-01 1993-04-06 Credit Verification Corporation Method and system for building a database and performing marketing based upon prior shopping history
US6334108B1 (en) 1989-05-01 2001-12-25 Catalina Marketing International, Inc. Method and system for selective incentive point-of-sale marketing in response to customer shopping histories
US5621812A (en) 1989-05-01 1997-04-15 Credit Verification Corporation Method and system for building a database for use with selective incentive marketing in response to customer shopping histories
US5644723A (en) 1989-05-01 1997-07-01 Credit Verification Corporation Method and system for selective incentive point-of-sale marketing in response to customer shopping histories
US6684195B1 (en) * 1989-05-01 2004-01-27 Catalina Marketing International, Inc. Method and system for selective incentive point-of-sale marketing in response to customer shopping histories
US5305196A (en) 1989-05-01 1994-04-19 Credit Verification Corporation Check transaction processing, database building and marketing method and system utilizing automatic check reading
US5992752A (en) 1993-11-24 1999-11-30 Metrologic Instruments, Inc. Internet-based system for enabling information-related transactions over the internet using Java-enabled internet terminals provided with bar code symbol readers for reading Java-Applet encoded bar code symbols
US5393965A (en) 1990-11-13 1995-02-28 Symbol Technologies, Inc. Flexible merchandise checkout and inventory management system
US6009415A (en) 1991-12-16 1999-12-28 The Harrison Company, Llc Data processing technique for scoring bank customer relationships and awarding incentive rewards
US5502636A (en) 1992-01-31 1996-03-26 R.R. Donnelley & Sons Company Personalized coupon generating and processing system
US6292786B1 (en) 1992-05-19 2001-09-18 Incentech, Inc. Method and system for generating incentives based on substantially real-time product purchase information
US5353218A (en) 1992-09-17 1994-10-04 Ad Response Micromarketing Corporation Focused coupon system
US6076068A (en) 1992-09-17 2000-06-13 Ad Response Micromarketing Corporation Coupon delivery system
US5491838A (en) 1993-04-08 1996-02-13 Digital D.J. Inc. Broadcast system with associated data capabilities
US5577266A (en) 1993-04-08 1996-11-19 Digital D.J. Inc. Broadcast system with associated data capabilities
US5579537A (en) 1993-04-08 1996-11-26 Digital D.J. Inc. Broadcast system with associated data capabilities
US5420606A (en) 1993-09-20 1995-05-30 Begum; Paul G. Instant electronic coupon verification system
AU7512194A (en) 1993-10-26 1995-05-22 Radisson Hotels International, Inc. System and method for awarding credits to persons who book travel-related reservations
US5920847A (en) * 1993-11-01 1999-07-06 Visa International Service Association Electronic bill pay system
US6438527B1 (en) * 1993-11-01 2002-08-20 Visa International Service Association Method and apparatus for paying bills electronically using machine readable information from an invoice
WO1996004633A1 (en) 1994-07-29 1996-02-15 Seiko Communications Holding N.V. Dual channel advertising referencing vehicle location
US5595264A (en) 1994-08-23 1997-01-21 Trotta, Jr.; Frank P. System and method for automated shopping
JP3516994B2 (en) 1994-09-19 2004-04-05 株式会社東芝 Information processing system
US5608874A (en) * 1994-12-02 1997-03-04 Autoentry Online, Inc. System and method for automatic data file format translation and transmission having advanced features
CA2683230C (en) 1995-02-13 2013-08-27 Intertrust Technologies Corporation Systems and methods for secure transaction management and electronic rights protection
FI99071C (en) * 1995-02-15 1997-09-25 Nokia Mobile Phones Ltd Procedure for use of applications in a mobile telephone as well as a mobile telephone
US6321208B1 (en) 1995-04-19 2001-11-20 Brightstreet.Com, Inc. Method and system for electronic distribution of product redemption coupons
US5884277A (en) 1995-05-01 1999-03-16 Vinod Khosla Process for issuing coupons for goods or services to purchasers at non-secure terminals
US6237145B1 (en) 1995-06-06 2001-05-22 Infospace, Inc. System for accessing promotion information and for generating redeemable coupons therefrom
US6035280A (en) 1995-06-16 2000-03-07 Christensen; Scott N. Electronic discount couponing method and apparatus for generating an electronic list of coupons
US5710886A (en) 1995-06-16 1998-01-20 Sellectsoft, L.C. Electric couponing method and apparatus
US5790677A (en) * 1995-06-29 1998-08-04 Microsoft Corporation System and method for secure electronic commerce transactions
US5604921A (en) 1995-07-07 1997-02-18 Nokia Mobile Phones Ltd. Radiotelephone user interface for broadcast short message service
US5761648A (en) 1995-07-25 1998-06-02 Interactive Coupon Network Interactive marketing network and process using electronic certificates
US5857175A (en) 1995-08-11 1999-01-05 Micro Enhancement International System and method for offering targeted discounts to customers
US5878141A (en) * 1995-08-25 1999-03-02 Microsoft Corporation Computerized purchasing system and method for mediating purchase transactions over an interactive network
FI102860B (en) 1995-11-07 1999-02-26 Nokia Telecommunications Oy Procedure and apparatus for transmitting an electronic payment
US5855007A (en) 1995-11-15 1998-12-29 Jovicic; Neboisa Electronic coupon communication system
US5791991A (en) 1995-11-15 1998-08-11 Small; Maynard E. Interactive consumer product promotion method and match game
US6279112B1 (en) 1996-10-29 2001-08-21 Open Market, Inc. Controlled transfer of information in computer networks
US5970469A (en) 1995-12-26 1999-10-19 Supermarkets Online, Inc. System and method for providing shopping aids and incentives to customers through a computer network
US6014634A (en) 1995-12-26 2000-01-11 Supermarkets Online, Inc. System and method for providing shopping aids and incentives to customers through a computer network
US5907830A (en) 1996-02-13 1999-05-25 Engel; Peter Electronic coupon distribution
US5806044A (en) 1996-02-20 1998-09-08 Powell; Ken R. System and method for distributing coupons through a system of computer networks
US5870030A (en) 1996-04-04 1999-02-09 Motorola, Inc. Advertiser pays information and messaging system and apparatus
US6062991A (en) 1996-04-05 2000-05-16 Moriarty; Stephen A. Communication, calculation, and record keeping method and apparatus for golf course
US5793972A (en) 1996-05-03 1998-08-11 Westminster International Computers Inc. System and method providing an interactive response to direct mail by creating personalized web page based on URL provided on mail piece
US6002771A (en) 1996-05-22 1999-12-14 Sun Microsystems, Inc. Method and system for regulating discounts on merchandise distributed through networked computer systems
US5924080A (en) 1996-05-28 1999-07-13 Incredicard Llc Computerized discount redemption system
EP0960402B1 (en) 1996-06-19 2007-09-26 Behruz Vazvan Real time system and method for remote purchase payment and remote bill payment transactions and transferring of electronic cash and other required data
US5717866A (en) 1996-06-28 1998-02-10 Codesaver International, Inc. Method for comparative analysis of consumer response to product promotions
US5903830A (en) 1996-08-08 1999-05-11 Joao; Raymond Anthony Transaction security apparatus and method
US7096003B2 (en) 1996-08-08 2006-08-22 Raymond Anthony Joao Transaction security apparatus
US5979757A (en) 1996-09-05 1999-11-09 Symbol Technologies, Inc. Method and system for presenting item information using a portable data terminal
US5991749A (en) 1996-09-11 1999-11-23 Morrill, Jr.; Paul H. Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities
US6076101A (en) 1996-09-12 2000-06-13 Fujitsu Limited Electronic mail processing system with bonus point tracking
US5905246A (en) 1996-10-31 1999-05-18 Fajkowski; Peter W. Method and apparatus for coupon management and redemption
US5917913A (en) 1996-12-04 1999-06-29 Wang; Ynjiun Paul Portable electronic authorization devices and methods therefor
US6868391B1 (en) * 1997-04-15 2005-03-15 Telefonaktiebolaget Lm Ericsson (Publ) Tele/datacommunications payment method and apparatus
US6085976A (en) 1998-05-22 2000-07-11 Sehr; Richard P. Travel system and methods utilizing multi-application passenger cards
PT992025E (en) * 1997-06-27 2002-12-31 Swisscom Mobile Ag A TRANSACTION PROCESS WITH A PORTABLE IDENTIFICATION ELEMENT
US6000608A (en) * 1997-07-10 1999-12-14 Dorf; Robert E. Multifunction card system
US6018718A (en) 1997-08-28 2000-01-25 Walker Asset Management Limited Partnership Method and system for processing customized reward offers
US5959577A (en) 1997-08-28 1999-09-28 Vectorlink, Inc. Method and structure for distribution of travel information using network
US5974399A (en) 1997-08-29 1999-10-26 Catalina Marketing International, Inc. Method and apparatus for generating purchase incentives based on price differentials
US6128599A (en) 1997-10-09 2000-10-03 Walker Asset Management Limited Partnership Method and apparatus for processing customized group reward offers
PL193708B1 (en) 1997-10-29 2007-03-30 Sonera Oyj Procedure and system for rendering services
US6049778A (en) 1997-10-31 2000-04-11 Walker Asset Management Limited Partnership Method and apparatus for administering a reward program
US6009411A (en) 1997-11-14 1999-12-28 Concept Shopping, Inc. Method and system for distributing and reconciling electronic promotions
US6505046B1 (en) 1997-11-19 2003-01-07 Nortel Networks Limited Method and apparatus for distributing location-based messages in a wireless communication network
US6336098B1 (en) 1997-12-11 2002-01-01 International Business Machines Corp. Method for electronic distribution and redemption of coupons on the world wide web
US6647257B2 (en) 1998-01-21 2003-11-11 Leap Wireless International, Inc. System and method for providing targeted messages based on wireless mobile location
US6098053A (en) * 1998-01-28 2000-08-01 Citibank, N.A. System and method for performing an electronic financial transaction
US6154172A (en) 1998-03-31 2000-11-28 Piccionelli; Gregory A. System and process for limiting distribution of information on a communication network based on geographic location
US6318631B1 (en) 1998-04-13 2001-11-20 Eldat Communication Ltd. Scanning communicator
US7040533B1 (en) * 1998-04-17 2006-05-09 Diebold, Incorporated Cash withdrawal from ATM via videophone
US7216800B1 (en) * 1998-04-17 2007-05-15 Diebold, Incorporated Cash withdrawal from ATM via videophone
US6796490B1 (en) * 2000-10-04 2004-09-28 Diebold, Incorporated Automated banking machine system and method
US7207477B1 (en) * 2004-03-08 2007-04-24 Diebold, Incorporated Wireless transfer of account data and signature from hand-held device to electronic check generator
IL124133A (en) 1998-04-20 2010-04-29 Nessim Igal Levy System and method for charging for vehicle parking
US7089214B2 (en) 1998-04-27 2006-08-08 Esignx Corporation Method for utilizing a portable electronic authorization device to approve transactions between a user and an electronic transaction system
KR100414849B1 (en) 1998-07-10 2004-01-13 모토로라 인코포레이티드 Method and apparatus in a wireless communication system for using a selective call receiver to provide demographic information, redeem coupons, and emulate affinity cards
US6067529A (en) 1998-08-12 2000-05-23 Ericsson Inc. System and method for sending a short message containing purchase information to a destination terminal
US6041309A (en) 1998-09-25 2000-03-21 Oneclip.Com, Incorporated Method of and system for distributing and redeeming electronic coupons
US6076069A (en) 1998-09-25 2000-06-13 Oneclip.Com, Incorporated Method of and system for distributing and redeeming electronic coupons
US6470181B1 (en) 1998-11-20 2002-10-22 Nortel Networks Limited Method and apparatus for simultaneous text and audio for sponsored calls
US8538801B2 (en) 1999-02-19 2013-09-17 Exxonmobile Research & Engineering Company System and method for processing financial transactions
CA2367452A1 (en) * 1999-04-27 2000-11-02 I3E Holdings, Llc Remote ordering system
US6609104B1 (en) 1999-05-26 2003-08-19 Incentech, Inc. Method and system for accumulating marginal discounts and applying an associated incentive
US6491201B1 (en) * 2000-02-22 2002-12-10 Power Medical Interventions, Inc. Fluid delivery mechanism for use with anastomosing, stapling, and resecting instruments
WO2001003075A1 (en) * 1999-07-06 2001-01-11 Swisscom Mobile Ag Information system for public transport and corresponding communication method
US7366702B2 (en) * 1999-07-30 2008-04-29 Ipass Inc. System and method for secure network purchasing
AU7346800A (en) 1999-09-02 2001-03-26 Automated Business Companies Communication and proximity authorization systems
US6925565B2 (en) * 2001-05-25 2005-08-02 Pen-One, Inc Pen-based transponder identity verification system
US7080037B2 (en) 1999-09-28 2006-07-18 Chameleon Network Inc. Portable electronic authorization system and method
EP1216460A1 (en) * 1999-09-28 2002-06-26 Chameleon Network Inc. Portable electronic authorization system and associated method
US6697944B1 (en) * 1999-10-01 2004-02-24 Microsoft Corporation Digital content distribution, transmission and protection system and method, and portable device for use therewith
WO2001031594A1 (en) 1999-10-25 2001-05-03 Swisscom Mobile Ag Method and system for transacting payments
WO2001031841A1 (en) * 1999-10-27 2001-05-03 Visa International Service Association Method and apparatus for leveraging an existing cryptographic infrastructure
EP1107198B1 (en) * 1999-11-30 2007-01-10 Citibank, Na System and method for performing an electronic transaction using a transaction proxy with an electronic wallet
JP2001357202A (en) 1999-12-06 2001-12-26 Ebank Kk System and method for electronic settlement
US6816724B1 (en) 1999-12-28 2004-11-09 Nokia Corporation Apparatus, and associated method, for remotely effectuating a transaction service
US7376587B1 (en) * 2000-07-11 2008-05-20 Western Union Financial Services, Inc. Method for enabling transfer of funds through a computer network
US7013286B1 (en) * 1999-12-30 2006-03-14 International Business Machines Corporation Generation, distribution, storage, redemption, validation and clearing of electronic coupons
DE10000948A1 (en) 2000-01-12 2001-08-02 Siemens Ag Arrangement for the provision and flexible charging of a product or service, and automatic dispenser for use in such and method for operating such
US6587835B1 (en) 2000-02-09 2003-07-01 G. Victor Treyz Shopping assistance with handheld computing device
DE10007518B4 (en) * 2000-02-18 2011-11-17 T-Mobile Deutschland Gmbh Method and arrangement for conducting cashless payments
NO314530B1 (en) * 2000-02-25 2003-03-31 Ericsson Telefon Ab L M Wireless reservation, check-in, access control, check-out and payment
KR100366060B1 (en) 2000-03-16 2002-12-28 주식회사 하렉스인포텍 Optical payment transceiver and system using the same
WO2001071627A2 (en) * 2000-03-22 2001-09-27 Qualcomm Incorporated A method and system for wireless electronic commerce using a portable, wireless communication device having unique identifying information
CA2404481A1 (en) * 2000-03-27 2001-10-04 Steven B. Smith Methods and apparatus for wireless point-of-sale transactions
JP2001291449A (en) 2000-04-10 2001-10-19 Shin Etsu Polymer Co Ltd Push button switch member, portable information terminal with push button switch and price charging system using portable information terminal with push button switch
US6912398B1 (en) 2000-04-10 2005-06-28 David Domnitz Apparatus and method for delivering information to an individual based on location and/or time
US7890433B2 (en) * 2000-06-30 2011-02-15 Tara Chand Singhal Private and secure payment system
JP3527211B2 (en) 2000-08-01 2004-05-17 日立マクセル株式会社 Electronic coupon system
US6439527B1 (en) 2000-08-01 2002-08-27 Hsiu-Chen Lin Fitting for holding an upright suspension rod to a ceiling wall
US6647269B2 (en) 2000-08-07 2003-11-11 Telcontar Method and system for analyzing advertisements delivered to a mobile unit
US20020178112A1 (en) * 2000-08-14 2002-11-28 Visa International Service Association Point of sale check service
US6686598B1 (en) * 2000-09-01 2004-02-03 Varian Semiconductor Equipment Associates, Inc. Wafer clamping apparatus and method
US7133659B2 (en) 2000-09-29 2006-11-07 Nokia Mobile Phones Limited Methods of operating a reservation system using electronic device cover with embedded transponder
US7774231B2 (en) * 2000-09-29 2010-08-10 Nokia Corporation Electronic payment methods for a mobile device
AU2002211424A1 (en) 2000-10-04 2002-04-15 American Express Travel Related Services Company, Inc. System and method for providing feedback in an interactive payment system
JP2002123708A (en) * 2000-10-16 2002-04-26 Sony Corp System and method for receiving merchandise order
US7499889B2 (en) 2000-10-23 2009-03-03 Cyota Inc. Transaction system
US20020052841A1 (en) * 2000-10-27 2002-05-02 Guthrie Paul D. Electronic payment system
JP2002140755A (en) * 2000-10-31 2002-05-17 Yozan Inc Merchandise transaction device, movile object communication equipment and management device
US7353014B2 (en) * 2000-10-31 2008-04-01 Vijay Raghavan Chetty Universal portable unit
JPWO2002039342A1 (en) * 2000-11-08 2004-03-18 松下電器産業株式会社 Private electronic value bank system
US7039022B1 (en) * 2000-11-16 2006-05-02 Telefonaktiebolaget Lm Ericsson (Publ) Transaction system
AU2002226941A1 (en) * 2000-11-20 2002-06-03 Ecrio, Inc. Method for downloading bar code encoded information with a mobile communication
US6685093B2 (en) * 2001-09-25 2004-02-03 Ecrio, Inc. System, method and apparatus for communicating information between a mobile communications device and a bar code reader
US20020069165A1 (en) * 2000-12-06 2002-06-06 O'neil Joseph Thomas Efficient and secure bill payment via mobile IP terminals
US7055031B2 (en) * 2001-02-14 2006-05-30 Tivo, Inc. Method for generation, delivery, and validation of electronic coupons through personal TV service system
US7809650B2 (en) * 2003-07-01 2010-10-05 Visa U.S.A. Inc. Method and system for providing risk information in connection with transaction processing
WO2002071189A2 (en) 2001-03-05 2002-09-12 American Express Travel Related Services Company, Inc. System and method for integrating offers
US20030144907A1 (en) 2001-03-05 2003-07-31 American Express Travel Related Services Company, Inc. System and method for administering incentive offers
US20020128928A1 (en) * 2001-03-09 2002-09-12 Hiroshi Sukegawa Music distribution method for distributing production such as music, server used for said music distribution method, and music reproduction apparatus
JP2002269350A (en) * 2001-03-14 2002-09-20 Hitachi Ltd Transaction settlement method, transaction settlement system and portable communication terminal used therefor and settlement terminal for member store
US7587196B2 (en) 2001-03-29 2009-09-08 Telefonaktiebolaget Lm Ericsson (Publ) Wireless point of sale transaction
US20030078844A1 (en) * 2001-03-30 2003-04-24 Sunao Takatori Charging system
US20020147913A1 (en) 2001-04-09 2002-10-10 Lun Yip William Wai Tamper-proof mobile commerce system
KR20020078989A (en) 2001-04-12 2002-10-19 (주)엠커머스 The system and method for certificating credit card trade by using mobile terminals
JP2002366819A (en) 2001-05-31 2002-12-20 Hewlett Packard Co <Hp> Distribution system for electronic coupon based upon identifier
EP1267312A1 (en) 2001-06-01 2002-12-18 Ralf Hauser A method for performing a secure cashfree payment transaction and a cashfree payment system
US20030004876A1 (en) * 2001-06-29 2003-01-02 David Jacobson Mobile terminal incorporated with a credit card
US7225156B2 (en) * 2001-07-11 2007-05-29 Fisher Douglas C Persistent dynamic payment service
SG124290A1 (en) * 2001-07-23 2006-08-30 Ntt Docomo Inc Electronic payment method, system, and devices
US6664948B2 (en) 2001-07-30 2003-12-16 Microsoft Corporation Tracking pointing device motion using a single buffer for cross and auto correlation determination
AU2002332556A1 (en) * 2001-08-15 2003-03-03 Visa International Service Association Method and system for delivering multiple services electronically to customers via a centralized portal architecture
US20030058261A1 (en) * 2001-09-25 2003-03-27 Nagesh Challa Static display of a bar code on a display of a mobile communications device
US6775539B2 (en) 2001-09-28 2004-08-10 Intel Corporation Intelligent, non-intrusive, adaptive wireless discount coupon delivery system over GPRS
US20030101134A1 (en) * 2001-11-28 2003-05-29 Liu James C. Method and system for trusted transaction approval
US20030126076A1 (en) 2001-12-27 2003-07-03 Telefonaktiebolaget L.M. Ericsson (Publ) Systems and methods for secure authorization of electronic transactions
US6726092B2 (en) * 2001-12-28 2004-04-27 Interdigital Technology Corporation Portable device service payments by multiple means
GB2387253B (en) 2002-04-03 2004-02-18 Swivel Technologies Ltd System and method for secure credit and debit card transactions
US7707120B2 (en) * 2002-04-17 2010-04-27 Visa International Service Association Mobile account authentication service
US20030212595A1 (en) 2002-05-10 2003-11-13 American Express Travel Related Services Company, Inc. Real-time promotion engine system and method
AU2003247967A1 (en) 2002-07-12 2004-02-02 Exphand, Inc. Interactive electronic commerce and message interchange system
US20040019564A1 (en) * 2002-07-26 2004-01-29 Scott Goldthwaite System and method for payment transaction authentication
US20040107170A1 (en) 2002-08-08 2004-06-03 Fujitsu Limited Apparatuses for purchasing of goods and services
US7349871B2 (en) * 2002-08-08 2008-03-25 Fujitsu Limited Methods for purchasing of goods and services
US7280981B2 (en) * 2002-08-27 2007-10-09 Visa U.S.A. Inc. Method and system for facilitating payment transactions using access devices
JP2004093353A (en) * 2002-08-30 2004-03-25 Seiko Instruments Inc Sample preparation device
US20040054575A1 (en) * 2002-09-13 2004-03-18 Robert Marshall System, method and apparatus for distributing and redeeming customer selected coupons
US20040148224A1 (en) * 2002-09-13 2004-07-29 Visa U.S.A. Method and apparatus for electronic support and delivery of multiple lottery and sweepstake programs, in substantially off-line environments
US8626577B2 (en) * 2002-09-13 2014-01-07 Visa U.S.A Network centric loyalty system
US9852437B2 (en) * 2002-09-13 2017-12-26 Visa U.S.A. Inc. Opt-in/opt-out in loyalty system
US6837425B2 (en) * 2002-09-13 2005-01-04 Visa U.S.A. Inc. Compact protocol and solution for substantially offline messaging between portable consumer device and based device
CN1682229A (en) * 2002-09-17 2005-10-12 默比卡有限公司 Optimised messages containing barcode information for mobile receiving device
US20050216354A1 (en) * 2002-10-23 2005-09-29 Vayusa, Inc. System and method for coordinating payment identification systems
US20040122685A1 (en) 2002-12-20 2004-06-24 Daryl Bunce Verification system for facilitating transactions via communication networks, and associated method
US20040158741A1 (en) 2003-02-07 2004-08-12 Peter Schneider System and method for remote virus scanning in wireless networks
WO2004091170A2 (en) * 2003-03-31 2004-10-21 Visa U.S.A. Inc. Method and system for secure authentication
US7370012B2 (en) 2003-04-09 2008-05-06 Gtech Rhode Island Corporation Electronic payment system
US7025258B2 (en) * 2003-04-16 2006-04-11 Kil Jae Chang Ball bearing actuation mechanism
US7131578B2 (en) 2003-05-28 2006-11-07 Ewi Holdings, Inc. System and method for electronic prepaid account replenishment
US7409370B2 (en) 2003-06-30 2008-08-05 Intel Corporation Secured and selective runtime auditing services using a trusted computing device
US7104446B2 (en) * 2003-09-03 2006-09-12 Visa U.S.A., Inc. Method, system and portable consumer device using wildcard values
US7051923B2 (en) * 2003-09-12 2006-05-30 Visa U.S.A., Inc. Method and system for providing interactive cardholder rewards image replacement
US8260661B2 (en) * 2003-09-30 2012-09-04 Visa U.S.A. Inc. System and apparatus for linking multiple rewards programs to promote the purchase of specific product mixes
US20050071226A1 (en) * 2003-09-30 2005-03-31 Visa U.S.A. Inc. Method and system for managing dynamic terms and conditions and user interaction
US20050071227A1 (en) * 2003-09-30 2005-03-31 Visa U.S.A. Method and system for managing concurrent sku-based rewards program
US8407083B2 (en) * 2003-09-30 2013-03-26 Visa U.S.A., Inc. Method and system for managing reward reversal after posting
US7039440B2 (en) * 2003-11-20 2006-05-02 International Business Machines Corporation Wireless rechargeable money card
US20050149439A1 (en) 2004-01-07 2005-07-07 Daniel Suisa Transaction Method and System Using an Issued Transaction Number for Verification of a Transaction
DE602005019498D1 (en) * 2004-07-01 2010-04-08 Fei Co Method for removing a microscopic sample from a substrate
US8180742B2 (en) * 2004-07-01 2012-05-15 Emc Corporation Policy-based information management
US20060004658A1 (en) * 2004-07-02 2006-01-05 Wunchun Chau Method of processing credit payments at delivery
US7014107B2 (en) * 2004-07-20 2006-03-21 Irek Singer Wireless payment processing system
US7958030B2 (en) * 2004-09-01 2011-06-07 Visa U.S.A. Inc. System and method for issuer originated payments for on-line banking bill payments
US7428502B2 (en) * 2004-10-06 2008-09-23 United Parcel Service Of America, Inc. Delivery systems and methods involving verification of a payment card from a handheld device
US20060085848A1 (en) * 2004-10-19 2006-04-20 Intel Corporation Method and apparatus for securing communications between a smartcard and a terminal
JP2006119794A (en) * 2004-10-20 2006-05-11 Nihon Unica Corp Coupon service system
US7693735B2 (en) * 2004-11-23 2010-04-06 Etadirect Holdings, Inc. Dynamic schedule mediation
US7124937B2 (en) 2005-01-21 2006-10-24 Visa U.S.A. Inc. Wireless payment methods and systems
CA2628693A1 (en) 2007-04-16 2008-10-19 Peter D. Hilliard Ticketing system
US11605070B2 (en) * 2013-07-29 2023-03-14 The Toronto-Dominion Bank Cloud-based electronic payment processing

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6175922B1 (en) * 1996-12-04 2001-01-16 Esign, Inc. Electronic transaction systems and methods therefor
US20040167820A1 (en) * 2003-02-26 2004-08-26 Diana Melick Two part payment terminal

Also Published As

Publication number Publication date
US9760882B2 (en) 2017-09-12
US20080052232A1 (en) 2008-02-28
US8567671B2 (en) 2013-10-29
WO2006078910A2 (en) 2006-07-27
CA2595176A1 (en) 2006-07-27
EP1839231A2 (en) 2007-10-03
EP1839231A4 (en) 2009-07-15
US7124937B2 (en) 2006-10-24
US20080133422A1 (en) 2008-06-05
US20080133412A1 (en) 2008-06-05
US20080133421A1 (en) 2008-06-05
US8096468B2 (en) 2012-01-17
US20180032994A1 (en) 2018-02-01
US20060163345A1 (en) 2006-07-27
US20160012407A1 (en) 2016-01-14
US7407094B2 (en) 2008-08-05
US20070001001A1 (en) 2007-01-04
US20090055316A1 (en) 2009-02-26
US8205794B2 (en) 2012-06-26
US10510064B2 (en) 2019-12-17
US20090055277A1 (en) 2009-02-26
US10083434B2 (en) 2018-09-25
US20120239575A1 (en) 2012-09-20
US20090055314A1 (en) 2009-02-26

Similar Documents

Publication Publication Date Title
WO2006078910A3 (en) Wireless payment methods and systems
WO2006044471A3 (en) System and method for facilitating a wireless financial transaction
WO2006086526A3 (en) Pre-paid activation and replenishment on a point-of-sale device
WO2009095795A3 (en) Method, device, and system for completing on-line financial transactions
WO2008061151A3 (en) Mobile-to-mobile payment system and method
WO2007148320A3 (en) Apparatus and method for facilitating money or value transfer
EP1341136A3 (en) A method for processing transactions by means of wireless devices
EP1372089A4 (en) Electronic money settlement method using mobile communication terminal
WO2007083319A3 (en) Method and system for making a payment through a mobile communication device
WO2010027900A3 (en) Enabling consumer choice on contactless transactions when using a dual-branded payment instrument
WO2004031903A3 (en) Merchant cash payment systems and methods
WO2008027324A3 (en) Method and system to accept and settle transaction payments for an unbanked consumer
WO2012151251A3 (en) Method and system for facilitating person-to person payments
WO2009137789A3 (en) Communication device including multi-part alias identifier
MX2009011632A (en) Mobile payments system and method.
WO2002046985A3 (en) System and method of using wireless communication devices to conduct financial transactions
WO2007114970A3 (en) System and methods for performing distributed payment transactions
TW200602936A (en) System and method of facilitating contactless payment transactions across different payment systems using a common mobile device acting as a stored value device
WO2006060412A3 (en) Efficient and incentivized enrollment in an automatic payment program for recurring bills
WO2011005617A3 (en) Mobile device including auto initiation
WO2004021130A3 (en) Method and system for facilitating payment transactions using access devices
WO2006074285A3 (en) Method and system for determining healthcare eligibility
ATE452390T1 (en) METHOD AND DEVICE FOR PAYMENTS BETWEEN TERMINAL DEVICES
WO2007092577A3 (en) A point-of-sale terminal transactions using mutating identifiers
AU6185499A (en) Method and system for transacting payments

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application
WWE Wipo information: entry into national phase

Ref document number: 2006719027

Country of ref document: EP

ENP Entry into the national phase

Ref document number: 2595176

Country of ref document: CA

NENP Non-entry into the national phase

Ref country code: DE