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1. WO2012158133 - METHODS FOR CONDUCTING ELECTRONIC PAYMENT TRANSACTIONS, WITH SCANNABLE CODES

Publication Number WO/2012/158133
Publication Date 22.11.2012
International Application No. PCT/US2011/000855
International Filing Date 13.05.2011
Chapter 2 Demand Filed 06.02.2013
IPC
G06Q 30/00 2012.01
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
30Commerce, e.g. shopping or e-commerce
CPC
G06Q 20/10
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
08Payment architectures
10specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 20/3276
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
32using wireless devices
327Short range or proximity payments by means of M-devices
3276using a pictured code, e.g. barcode or QR-code, being read by the M-device
G06Q 20/40
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
40Authorisation, 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
G06Q 30/06
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
30Commerce, e.g. shopping or e-commerce
06Buying, selling or leasing transactions
H04L 63/083
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
63Network architectures or network communication protocols for network security
08for supporting authentication of entities communicating through a packet data network
083using passwords
H04W 12/06
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
WWIRELESS COMMUNICATION NETWORKS
12Security arrangements, e.g. access security or fraud detection; Authentication, e.g. verifying user identity or authorisation; Protecting privacy or anonymity ; ; Protecting confidentiality; Key management; Integrity; Mobile application security; Using identity modules; Secure pairing of devices; Context aware security; Lawful interception
06Authentication
Applicants
  • HEETER, Thomas, W. [US]/[US]
Inventors
  • HEETER, Thomas, W.
Agents
  • CASPERSON, John, R.
Priority Data
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) METHODS FOR CONDUCTING ELECTRONIC PAYMENT TRANSACTIONS, WITH SCANNABLE CODES
(FR) PROCÉDÉS POUR EFFECTUER DES TRANSACTIONS DE PAIEMENT ÉLECTRONIQUE AVEC CODES NUMÉRISABLES
Abstract
(EN)
One embodiment of the invention provides for making electronic payments by scanning a merchant 2D code located near the point of sale with the customer's cell phone and transmitting the code or data embodied by the code to a payment center where the merchant's account can be credited and the customer's account debited without transmitting account information over the airwaves. In another embodiment of the invention, both parties transmit the same randomly generated 2D code or data embodied by the code to the payment center where they are matched to each other and to the buyer and seller to process the tranaction. In a further embodiment of the invention, an inked tattoo or barcode marking is employed as a password to authorize access to smartphone applications for example, to make an elecronic payment over a threshold amount.
(FR)
Un mode de réalisation de l'invention permet d'effectuer des paiements électroniques en numérisant un code 2D de marchant situé à proximité d'un point de vente avec le téléphone cellulaire du client, et en transmettant le code ou les données représentées par le code à un centre de paiement où le compte du marchant est crédité tandis que le compte du client est débité sans transmettre des informations de comptes par voie aérienne. Dans un autre mode de réalisation, les deux parties transmettent de manière aléatoire le même code 2D ou les mêmes données représentées par le code vers le centre de paiement où ils sont mis en correspondance ainsi qu'à l'acheteur et au vendeur afin de traiter la transaction. Dans un autre mode de réalisation, un tatouage à l'encre ou un marquage à code à barres est utilisé comme mot de passe pour autoriser l'accès à des applications de téléphone intelligent, par exemple pour effectuer un paiement électronique pour une somme seuil.
Also published as
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