Payment architectures, schemes or protocols

GPHYSICS G06Computing G06QDATA 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

G06Q20/00Payment architectures, schemes or protocols

G06Q20/02involving a neutral party G06Q20/023characterized in that the neutral party is a clearing house G06Q20/027involving a payment switch or gateway G06Q20/04Payment circuits G06Q20/042characterized in that the payment protocol involves at least one cheque G06Q20/0425the cheque being electronic only G06Q20/045characterized in that the payment protocol involves at least one ticket G06Q20/0453the ticket being an electronic receipt G06Q20/0457characterized in that the ticket is sent electronically G06Q20/06Private payment circuit G06Q20/065using e-cash G06Q20/0652e-cash with decreasing value according to a parameter G06Q20/0655e-cash managed centrally G06Q20/0658e-cash managed locally G06Q20/08Payment architectures G06Q20/085involving remote charge determination or related payment systems G06Q20/0855involving a third party G06Q20/10specially adapted for electronic funds transfer [EFT] systems specially adapted for home banking systems G06Q20/102Bill distribution or payments G06Q20/105involving programming of a portable memory device G06Q20/108Remote banking G06Q20/1085involving automatic teller machines [ATMs] G06Q20/12specially adapted for electronic shopping systems G06Q20/123Shopping for digital content G06Q20/1235with control of digital rights management [DRM] G06Q20/127Shopping or accessing services according to a time-limitation G06Q20/14specially adapted for billing systems G06Q20/145Payments according to the detected use or quantity G06Q20/16Payments settled via telecommunication systems G06Q20/18involving self- service terminals [SST], vending machines, kiosks or multimedia terminals G06Q20/20Point-of-sale [POS] network systems G06Q20/201Price look-up processing G06Q20/202Interconnection or interaction of plural electronic cash registers [ECR] or to host computer G06Q20/203Inventory monitoring G06Q20/204comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit G06Q20/206comprising security or user identification provision G06Q20/207Tax processing G06Q20/208Input by product or record sensing G06Q20/209Specified transaction journal output feature G06Q20/22Payment schemes or models G06Q20/223based on the use of peer-to-peer networks G06Q20/227characterized in that multiple accounts are available to the payer G06Q20/24Credit schemes G06Q20/26Debit schemes G06Q20/28Pre-payment schemes G06Q20/29characterised by micro-payments G06Q20/30characterised by the use of specific devices G06Q20/305using a wired telephone network to facilitate payment G06Q20/32using wireless devices G06Q20/322Aspects of commerce using mobile devices [M-devices] G06Q20/3221Access to banking information through M-devices G06Q20/3223Realising banking transactions through M-devices G06Q20/3224Transactions dependent on location of M-devices G06Q20/3226Use of secure elements separate from M-devices G06Q20/3227Use of a security embedded in M-devices G06Q20/3229Use of the SIM of a M-device as secure element G06Q20/325using wireless networks G06Q20/3255using an SMS for payment G06Q20/327Short range or proximity payments by means of M-devices G06Q20/3272using an audio code G06Q20/3274using a pictured code G06Q20/3276using a pictured code G06Q20/3278RFID or NFC payments by means of M-devices G06Q20/34using cards G06Q20/341Active cards, i.e. cards including their own processing means G06Q20/3415Cards acting autonomously as pay-media G06Q20/342Cards defining paid or billed services or quantities G06Q20/343Cards including a counter G06Q20/3433the counter having monetary units G06Q20/3437the counter having non-monetary units G06Q20/346Cards serving only as information carrier of service G06Q20/347Passive cards G06Q20/348Single-use cards G06Q20/349Rechargeable cards G06Q20/351Virtual cards G06Q20/352Contactless payments by cards G06Q20/353Payments by additional cards plugged into M-devices G06Q20/354Card activation or deactivation G06Q20/355Personalisation of cards for use G06Q20/3552Downloading or loading of personalisation data G06Q20/3555Personalisation of two or more cards G06Q20/3558Preliminary personalisation for transfer to user G06Q20/356Aspects of software for card payments G06Q20/3563Software being resident on card G06Q20/3567Software being in the reader G06Q20/357Cards having a plurality of specified features G06Q20/3572Multiple accounts on card G06Q20/3574Multiple applications on card G06Q20/3576Multiple memory zones on card G06Q20/35765Access rights to memory zones G06Q20/3578Hierarchy of users of cards G06Q20/35785Parent-child type G06Q20/36using electronic wallets or electronic money safes G06Q20/363with the personal data files for a user G06Q20/367involving intelligent token G06Q20/3672Intelligent token initializing or reloading G06Q20/3674involving authentication G06Q20/3676Balancing accounts G06Q20/3678e-cash details G06Q20/38Payment protocols Details thereof G06Q20/381Currency conversion G06Q20/382insuring higher security of transaction G06Q20/3821Electronic credentials G06Q20/38215Use of certificates or encrypted proofs of transaction rights G06Q20/3823combining multiple encryption tools for a transaction G06Q20/3825Use of electronic signatures G06Q20/3827Use of message hashing G06Q20/3829involving key management G06Q20/383Anonymous user system G06Q20/385Use of an alias or a single-use code G06Q20/387Payment using discounts or coupons G06Q20/388Mutual authentication without cards G06Q20/389Keeping log of transactions for guaranteeing non-repudiation of a transaction G06Q20/40Authorisation G06Q20/401Transaction verification G06Q20/4012Verifying personal identification number [PIN] G06Q20/4014Identity check for transaction G06Q20/40145Biometric identity checks G06Q20/4016involving fraud or risk level assessment in transaction processing G06Q20/4018using the card verification value [CVV] associated with the card G06Q20/403Solvency checks G06Q20/4033Local solvency checks G06Q20/4037Remote solvency checks G06Q20/405Establishing or using transaction specific rules G06Q20/407Cancellation of a transaction G06Q20/409Card specific authentication in transaction processing G06Q20/4093Monitoring of card authentication G06Q20/4097Mutual authentication between card and transaction partners G06Q20/40975Use of encryption for mutual authentication G06Q20/42Confirmation G06Q20/425using two different networks, one for transaction and one for security confirmation