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EP3077970A4 - Card reader emulation for cardless transactions - Google Patents

Card reader emulation for cardless transactions Download PDF

Info

Publication number
EP3077970A4
EP3077970A4 EP14875157.1A EP14875157A EP3077970A4 EP 3077970 A4 EP3077970 A4 EP 3077970A4 EP 14875157 A EP14875157 A EP 14875157A EP 3077970 A4 EP3077970 A4 EP 3077970A4
Authority
EP
European Patent Office
Prior art keywords
card reader
reader emulation
cardless transactions
cardless
transactions
Prior art date
Legal status (The legal status 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 status listed.)
Ceased
Application number
EP14875157.1A
Other languages
German (de)
French (fr)
Other versions
EP3077970A1 (en
Inventor
Robert Lee
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Block Inc
Original Assignee
Square Inc
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
Priority claimed from US14/187,049 external-priority patent/US9037491B1/en
Application filed by Square Inc filed Critical Square Inc
Publication of EP3077970A1 publication Critical patent/EP3077970A1/en
Publication of EP3077970A4 publication Critical patent/EP3077970A4/en
Ceased legal-status Critical Current

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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/209—Specified transaction journal output feature, e.g. printed receipt or voice output
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/047—Payment circuits using payment protocols involving electronic receipts
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards
    • 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)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
EP14875157.1A 2013-12-27 2014-12-23 Card reader emulation for cardless transactions Ceased EP3077970A4 (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US201361921374P 2013-12-27 2013-12-27
US14/187,049 US9037491B1 (en) 2013-11-26 2014-02-21 Card reader emulation for cardless transactions
PCT/US2014/072285 WO2015100385A1 (en) 2013-12-27 2014-12-23 Card reader emulation for cardless transactions

Publications (2)

Publication Number Publication Date
EP3077970A1 EP3077970A1 (en) 2016-10-12
EP3077970A4 true EP3077970A4 (en) 2017-08-16

Family

ID=53479680

Family Applications (1)

Application Number Title Priority Date Filing Date
EP14875157.1A Ceased EP3077970A4 (en) 2013-12-27 2014-12-23 Card reader emulation for cardless transactions

Country Status (5)

Country Link
EP (1) EP3077970A4 (en)
JP (1) JP6475752B2 (en)
AU (1) AU2014369891B2 (en)
CA (1) CA2935177C (en)
WO (1) WO2015100385A1 (en)

Families Citing this family (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8924259B2 (en) 2013-03-14 2014-12-30 Square, Inc. Mobile device payments
US9037491B1 (en) 2013-11-26 2015-05-19 Square, Inc. Card reader emulation for cardless transactions
US9741026B1 (en) 2014-09-30 2017-08-22 Square, Inc. Payment by use of identifier
FR3041132B1 (en) * 2015-09-11 2021-01-15 Ingenico Group DATA TRANSMISSION PROCESS, CORRESPONDING COMPUTER DEVICES AND PROGRAMS
US9519901B1 (en) 2015-09-16 2016-12-13 Square, Inc. Biometric payment technology
US20170140358A1 (en) * 2015-11-18 2017-05-18 Andrew Orrock Network Bridge for Local Transaction Authorization
US11295293B2 (en) * 2016-01-07 2022-04-05 Worldpay, Llc Point of interaction device emulation for payment transaction simulation
US10062074B1 (en) 2016-11-30 2018-08-28 Square, Inc. System for improving card on file transactions
FR3064787B1 (en) 2017-03-31 2019-07-12 Ingenico Group METHOD OF PROCESSING DATA WITH A PAYMENT TERMINAL, TERMINAL OF PAYMENT AND PROGRAM THEREOF
US10997583B1 (en) 2018-08-31 2021-05-04 Square, Inc. Temporarily provisioning card on file payment functionality to proximate merchants
US10878402B1 (en) 2018-08-31 2020-12-29 Square, Inc. Temporarily provisioning payment functionality to alternate payment instrument
WO2020079379A1 (en) 2018-10-18 2020-04-23 Clean Bill Method for transmitting and storing virtual documents by retrofitting a pre-programmed publishing terminal and housing for implementing same
FR3087562B1 (en) * 2018-10-18 2023-06-23 Clean Bill METHOD FOR TRANSMITTING AND STORAGE OF INVOICES OR TICKETS AND HOUSING TO IMPLEMENT IT
US20230196333A1 (en) * 2021-12-21 2023-06-22 Hee Young Park Card payment method and system through application linkage
JP7337423B1 (en) * 2023-01-26 2023-09-04 竜也 中野 Server device, chip management method, chip management program and program

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2005321873A (en) * 2004-05-06 2005-11-17 Seiko Epson Corp Electronic journal creation system, electronic journal creation method, and electronic journal creation program
EP1764680A2 (en) * 2005-09-02 2007-03-21 Star Micronics Co., Ltd. Print system
JP2009226689A (en) * 2008-03-21 2009-10-08 Seiko Epson Corp Printing device
WO2011156884A1 (en) * 2010-06-17 2011-12-22 Consumer Mt Inc. Electronic payment system and method
US20120048922A1 (en) * 2009-05-07 2012-03-01 Acquire As System and method for monitoring commercial transactions

Family Cites Families (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002099858A (en) * 2000-09-26 2002-04-05 Toshiba Tec Corp Payment system, payment device, and payment method
JP2003150885A (en) * 2001-11-15 2003-05-23 Hitachi Ltd Payment system and payment device
US7748618B2 (en) * 2006-08-21 2010-07-06 Verizon Patent And Licensing Inc. Secure near field transaction
US20090043696A1 (en) * 2007-08-08 2009-02-12 Electronic Payment Exchange Payment Processor Hosted Account Information
US8341083B1 (en) * 2007-09-12 2012-12-25 Devicefidelity, Inc. Wirelessly executing financial transactions
JP2009086832A (en) * 2007-09-28 2009-04-23 Nidec Sankyo Corp Information system
US20090187488A1 (en) * 2008-01-22 2009-07-23 John Shamilian Method and system for providing a service to a customer
US10839384B2 (en) * 2008-12-02 2020-11-17 Paypal, Inc. Mobile barcode generation and payment
US8548859B2 (en) * 2010-01-22 2013-10-01 Spendgo, Inc. Point of sale network router
JP2011197511A (en) * 2010-03-23 2011-10-06 Seiko Epson Corp Voice output device, method for controlling the same, and printer and mounting board
CA2831890A1 (en) * 2011-04-01 2012-10-04 Visa International Service Association Restricted-use account payment administration apparatuses, methods and systems
JP5799757B2 (en) * 2011-11-02 2015-10-28 セイコーエプソン株式会社 Receipt management device, receipt management system, and receipt management device control method
DE202012100620U1 (en) * 2011-11-22 2012-06-13 Square, Inc. System for processing cardless payment transactions
AU2013207407A1 (en) * 2012-01-05 2013-10-24 Visa International Service Association Transaction visual capturing apparatuses, methods and systems
JP2013238977A (en) * 2012-05-14 2013-11-28 Seiko Epson Corp Receipt data processing apparatus and receipt data processing method

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2005321873A (en) * 2004-05-06 2005-11-17 Seiko Epson Corp Electronic journal creation system, electronic journal creation method, and electronic journal creation program
EP1764680A2 (en) * 2005-09-02 2007-03-21 Star Micronics Co., Ltd. Print system
JP2009226689A (en) * 2008-03-21 2009-10-08 Seiko Epson Corp Printing device
US20120048922A1 (en) * 2009-05-07 2012-03-01 Acquire As System and method for monitoring commercial transactions
WO2011156884A1 (en) * 2010-06-17 2011-12-22 Consumer Mt Inc. Electronic payment system and method

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
ANONYMOUS: "Application programming interface - Wikipedia", 26 December 2013 (2013-12-26), XP055671378, Retrieved from the Internet <URL:https://en.wikipedia.org/w/index.php?title=Application_programming_interface&oldid=587766714#API_and_protocols> [retrieved on 20200224] *
See also references of WO2015100385A1 *

Also Published As

Publication number Publication date
CA2935177C (en) 2019-08-13
WO2015100385A1 (en) 2015-07-02
CA2935177A1 (en) 2015-07-02
AU2014369891B2 (en) 2017-03-02
EP3077970A1 (en) 2016-10-12
AU2014369891A1 (en) 2016-07-14
JP2017510903A (en) 2017-04-13
JP6475752B2 (en) 2019-02-27

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