Zahlungssystem mit Drahtlosen Kommunikationsprotokollen mit Kurzer Reichweite und Mittlerer/langer Reichweite

Details

Veröffentlichungs-Nr.

EP4819012

Anmeldetag

2. April 2025

Veröffentlichung

7. Oktober 2026

Rechtsraum

EP

IPC

G06Q20/20, G06Q20/32

Abstract

A computer-implemented method is disclosed for effecting an electronic payment. The method involves a user device establishing a first communication channel with a merchant system comprising a plurality of merchant devices using a first wireless communication protocol. The user device and merchant system exchange ultra-wideband (UWB) capability data via the first communication channel to establish an UWB ranging session including the user device and the plurality of merchant devices. A proximate merchant device that is closest to the user device is determined using the UWB ranging session. An NFC channel or optical channel is established between the proximate merchant device and the user device, and a correlation identifier that uniquely identifies the user device is transmitted from the user device to the proximate merchant device via the NFC channel or optical channel. The user device transmits payment data either via the NFC channel/optical channel or via the first communication channel.

Anmelder

Firma

Mastercard International, Inc.

Land

🇺🇸 USA

Fachgebiete