Processing

Please wait...

Settings

Settings

Goto Application

1. WO2013048322 - A SECURE TWO PARTY MATCHING TRANSACTION SYSTEM

Publication Number WO/2013/048322
Publication Date 04.04.2013
International Application No. PCT/SE2012/051027
International Filing Date 27.09.2012
IPC
G06Q 20/20 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
08Payment architectures
20Point-of-sale network systems
G06Q 20/16 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
08Payment architectures
16Payments settled via telecommunication systems
G06Q 20/32 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
30characterised by the use of specific devices
32using wireless devices
G06Q 20/34 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
30characterised by the use of specific devices
34using cards, e.g. integrated circuit cards or magnetic cards
CPC
G06Q 20/02
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
02involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/16
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
16Payments settled via telecommunication systems
G06Q 20/20
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
20Point-of-sale [POS] network systems
G06Q 20/202
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
20Point-of-sale [POS] network systems
202Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
G06Q 20/209
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
20Point-of-sale [POS] network systems
209Specified transaction journal output feature, e.g. printed receipt or voice output
G06Q 20/32
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
Applicants
  • SEAMLESS PAYMENTS AB [SE]/[SE]
Inventors
  • FREDELL, Peter
  • SIGNARSSON, Mikael
  • SACUIU, Bogdan
  • KYLLERMAN, Johan
Agents
  • GROTH & CO KB
Priority Data
11182892.727.09.2011EP
1200074-103.02.2012SE
1200088-110.02.2012SE
1200097-216.02.2012SE
61/539,64527.09.2011US
Publication Language English (en)
Filing Language English (EN)
Designated States
Title
(EN) A SECURE TWO PARTY MATCHING TRANSACTION SYSTEM
(FR) SYSTÈME DE TRANSACTION DE MISE EN CORRESPONDANCE DE DEUX PARTIES SÉCURISÉ
Abstract
(EN) The invention relates to a method, and an arrangement (A) for identifying a purchaser (1) and a retailer (2) and performing an economical transaction between the purchaser (1) and the retailer (2) at a point of sale (21), where the purchaser (1) has a mobile device (1 1), and where the point of sale (21) communicates with a transaction system (3). The transaction system (3) transfers funds (31) from the purchaser to the retailer according to given information from the purchaser and the retailer. The inventive method, and arrangement comprise the steps of; the mobile device (1 1) reading an identity of the point of sale (24) by means of a at least one of a camera, and a radio frequency receiver comprised in the mobile device (1 1), the mobile device (1 1), and point of sale generates and transmits messages comprising the identity of the point of sale (24) and the identity of the mobile device (14) through different channels of communication. Furthermore, the invention comprises computer program products conducting the software code needed for the invention to be carried out.
(FR) L'invention concerne un procédé et un agencement (A) pour identifier un acheteur (1) et un détaillant (2) et réaliser une transaction économique entre l'acheteur (1) et le détaillant (2) au niveau d'un point de vente (21), l'acheteur (1) ayant un dispositif mobile (11), et le point de vente (21) communiquant avec un système de transaction (3). Le système de transaction (3) transfère des fonds (31) de l'acheteur au détaillant selon des informations données provenant de l'acheteur et du détaillant. Le procédé et l'agencement de l'invention comprennent les étapes suivantes : le dispositif mobile (11) lit une identité du point de vente (24) au moyen d'au moins l'un d'une caméra et d'un récepteur radiofréquence compris dans le dispositif mobile (11), et le point de vente génère et transmet des messages comprenant l'identité du point de vente (24) et l'identité du dispositif mobile (14) par l'intermédiaire de différents canaux de communication. En outre, l'invention concerne des produits programme d'ordinateur conduisant le code logiciel nécessaire pour que l'invention soit réalisée.
Latest bibliographic data on file with the International Bureau