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1. WO2012042262 - MOBILE PAYMENT SYSTEM

Publication Number WO/2012/042262
Publication Date 05.04.2012
International Application No. PCT/GB2011/051839
International Filing Date 28.09.2011
IPC
G06Q 20/00 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
CPC
G06Q 20/04
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
04Payment circuits
G06Q 20/227
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
22Payment schemes or models
227characterised in that multiple accounts are available, e.g. to the payer
G06Q 20/3223
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices ; or networks
32using wireless devices
322Aspects of commerce using mobile devices [M-devices]
3223Realising banking transactions through M-devices
G06Q 20/3227
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices ; or networks
32using wireless devices
322Aspects of commerce using mobile devices [M-devices]
3227using secure elements embedded in M-devices
G06Q 20/3263
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices ; or networks
32using wireless devices
326Payment applications installed on the mobile devices
3263characterised by activation or deactivation of payment capabilities
G06Q 20/382
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
382insuring higher security of transaction
Applicants
  • BARCLAYS BANK PLC [GB]/[GB] (AllExceptUS)
  • BAUER, John [US]/[US] (UsOnly)
  • MCMILLEN, Glenn Curtiss [US]/[US] (UsOnly)
  • CROZIER, Eric [US]/[US] (UsOnly)
  • SCHUETZ, Christine Ann [US]/[US] (UsOnly)
  • LLOYD, Garry [GB]/[GB] (UsOnly)
  • CRAKE, David, A. [US]/[US] (UsOnly)
  • AKANA, Thomas, P. [US]/[US] (UsOnly)
  • BARTON, Loren [GB]/[GB] (UsOnly)
  • ROMAGNOLI, Amy Sobocinski [US]/[US] (UsOnly)
  • STARCK, Mike [US]/[US] (UsOnly)
  • MESA, Patrick [US]/[US] (UsOnly)
  • MOORE, Leslie [US]/[US] (UsOnly)
Inventors
  • BAUER, John
  • MCMILLEN, Glenn Curtiss
  • CROZIER, Eric
  • SCHUETZ, Christine Ann
  • LLOYD, Garry
  • CRAKE, David, A.
  • AKANA, Thomas, P.
  • BARTON, Loren
  • ROMAGNOLI, Amy Sobocinski
  • STARCK, Mike
  • MESA, Patrick
  • MOORE, Leslie
Agents
  • CROSS, James
Priority Data
12/891,86628.09.2010US
12/905,41915.10.2010US
12/955,32629.11.2010US
12/955,37329.11.2010US
13/100,61004.05.2011US
13/225,89806.09.2011US
13/247,35228.09.2011US
Publication Language English (en)
Filing Language English (EN)
Designated States
Title
(EN) MOBILE PAYMENT SYSTEM
(FR) SYSTÈME DE PAIEMENT MOBILE
Abstract
(EN) A mobile payment system and methods are described for providing, validating, authorizing, activating and using a mobile payment account on a portable electronic device to enable efficient and secured contactless payment at an electronic point of sale.
(FR) Cette invention se rapporte à un système et à des procédés de paiement mobile, destinés à fournir, à valider, à autoriser, à activer et à utiliser un compte de paiement mobile sur un dispositif électronique portable de façon à permettre un paiement sans contact efficace et sécurisé dans un point de vente électronique.
Related patent documents
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