Mobile payment application architecture

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United States of America Patent

PATENT NO 10454693
APP PUB NO 20110078081A1
SERIAL NO

12892328

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Abstract

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A system, apparatus, and method for conducting payment transactions using a mobile device. Embodiments of the invention are directed to an architecture or system design for the functional elements residing in a mobile device that may be used to conduct a payment transaction. The inventive architecture may be implemented as a set of functional modules resident in a secure element that is embedded or otherwise incorporated into the mobile device.

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First Claim

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Patent Owner(s)

  • VISA INTERNATIONAL SERVICE ASSOCIATION

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Kekicheff, Marc B Foster City, US 5 1278
Pirzadeh, Kiushan Foster City, US 44 2783

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
7.5 Year Payment $3600.00 $1800.00 $900.00 Apr 22, 2027
11.5 Year Payment $7400.00 $3700.00 $1850.00 Apr 22, 2031
Fee Large entity fee small entity fee micro entity fee
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00