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PH12015502359A1 - Mobile payment system using subaccounts of account - Google Patents

Mobile payment system using subaccounts of account

Info

Publication number
PH12015502359A1
PH12015502359A1 PH12015502359A PH12015502359A PH12015502359A1 PH 12015502359 A1 PH12015502359 A1 PH 12015502359A1 PH 12015502359 A PH12015502359 A PH 12015502359A PH 12015502359 A PH12015502359 A PH 12015502359A PH 12015502359 A1 PH12015502359 A1 PH 12015502359A1
Authority
PH
Philippines
Prior art keywords
payment
request
merchant
receiving
transaction
Prior art date
Application number
PH12015502359A
Inventor
Itwaru Mark
Original Assignee
Riavera Corp
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 US13/861,490 external-priority patent/US9721243B2/en
Application filed by Riavera Corp filed Critical Riavera Corp
Publication of PH12015502359A1 publication Critical patent/PH12015502359A1/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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in 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
    • G06Q20/30—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
    • G06Q20/326—Payment applications installed on the mobile devices

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A payment application for confirming a transaction payment request including: receiving consumer code data representative of a subaccount of a registered main account upon registration of the subaccount with a transaction interface; receiving a payment confirmation request from the interface over a network including merchant and product identification; sending authorization information to the interface over the network via path that bypasses the merchant system; and receiving a confirmation of approval or denial of the payment confirmation request from the interface based on the authorization information. Also, a transaction system for processing a transaction payment request associated with a transaction between a consumer and a merchant by: receiving the request including consumer data and identification information of the merchant and product; accessing the subaccount or main account to obtain payment information including financial account, mobile device contact information, and required authorization information; creating a payment confirmation request using the identification information; sending the request over the network to the mobile device using the contact information; obtaining authorization information; sending and receiving approval for a funds transfer request to a payment platform; and sending confirmation of the funds transfer approval to the merchant.
PH12015502359A 2013-04-12 2015-10-09 Mobile payment system using subaccounts of account PH12015502359A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US13/861,490 US9721243B2 (en) 2011-05-11 2013-04-12 Mobile payment system using subaccounts of account holder
PCT/CA2014/000343 WO2014165974A1 (en) 2013-04-12 2014-04-11 Mobile payment system using subaccounts of account holder

Publications (1)

Publication Number Publication Date
PH12015502359A1 true PH12015502359A1 (en) 2016-02-22

Family

ID=51688778

Family Applications (1)

Application Number Title Priority Date Filing Date
PH12015502359A PH12015502359A1 (en) 2013-04-12 2015-10-09 Mobile payment system using subaccounts of account

Country Status (5)

Country Link
EP (1) EP2984614A4 (en)
CA (1) CA2909104A1 (en)
MX (1) MX2015014381A (en)
PH (1) PH12015502359A1 (en)
WO (1) WO2014165974A1 (en)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105869080A (en) * 2016-04-25 2016-08-17 海南客来乐科技有限公司 System and method for realizing physical store mobile payment through electronic table plates and electronic table plate
SG10201808244YA (en) * 2018-09-21 2020-04-29 Mastercard International Inc Payment methods and systems based on a deceptive pin of a payment card
CN111371841B (en) * 2020-02-17 2023-04-07 平安科技（深圳）有限公司 Data monitoring method and device
CN114239771B (en) * 2021-11-22 2023-05-16 北京印刷学院 Textile anti-counterfeiting method for body binding multiple anti-counterfeiting mark images

Family Cites Families (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7747523B2 (en) * 1998-03-30 2010-06-29 Cohen Morris E Internet-based financial vehicles
US7248855B2 (en) * 1998-09-15 2007-07-24 Upaid Systems, Ltd. Convergent communications system and method with a rule set for authorizing, debiting, settling and recharging a mobile commerce account
AU3741000A (en) * 1999-04-27 2000-11-10 Eli E. Hertz Commercial transaction method
US20040215534A1 (en) * 2003-04-25 2004-10-28 Apple Computer, Inc. Method and system for network-based allowance control
US20070168282A1 (en) * 2006-01-13 2007-07-19 Advanced Payment Products, Llc Systems and/or methods for simplifying payment systems, and payment instruments implementing the same
CA2647602A1 (en) * 2006-03-30 2008-03-06 Obopay Inc. Mobile person-to-person payment system
EP2128809A1 (en) * 2008-05-30 2009-12-02 Luc Stals Server device for controlling a transaction, first entity and second entity
US20100100406A1 (en) * 2008-10-21 2010-04-22 Beng Lim Method for protecting personal identity information
US8498934B2 (en) * 2010-10-21 2013-07-30 Bml Productions, Inc. Multi-account payment consolidation system
WO2013032613A1 (en) * 2011-08-30 2013-03-07 Gregory Dorso Systems and methods for fast mobile payment
US9043237B2 (en) * 2011-09-21 2015-05-26 Fexco Merchant Services Systems and methods for making a payment using a wireless device

Also Published As

Publication number Publication date
WO2014165974A1 (en) 2014-10-16
CA2909104A1 (en) 2014-10-16
MX2015014381A (en) 2016-07-07
EP2984614A4 (en) 2016-09-14
EP2984614A1 (en) 2016-02-17

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