CA3131260A1 - Systeme de paiement electronique et procede associe - Google Patents

Systeme de paiement electronique et procede associe Download PDF

Info

Publication number
CA3131260A1
CA3131260A1 CA3131260A CA3131260A CA3131260A1 CA 3131260 A1 CA3131260 A1 CA 3131260A1 CA 3131260 A CA3131260 A CA 3131260A CA 3131260 A CA3131260 A CA 3131260A CA 3131260 A1 CA3131260 A1 CA 3131260A1
Authority
CA
Canada
Prior art keywords
server
initiatee
psp
upi
initiator
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.)
Abandoned
Application number
CA3131260A
Other languages
English (en)
Inventor
Dilip ASBE
Narayanan Rajendran
Sateesh PALAGIRI
Anubhav SHARMA
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.)
National Payments Corp Of India
Original Assignee
National Payments Corp Of India
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
Application filed by National Payments Corp Of India filed Critical National Payments Corp Of India
Publication of CA3131260A1 publication Critical patent/CA3131260A1/fr
Abandoned legal-status Critical Current

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
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/388—Payment protocols; Details thereof using mutual authentication without cards, e.g. challenge-response
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La Présente invention concerne le domaine des systèmes de paiement électronique et concerne un système de paiement électronique (EPS) 100 et un procédé. Le système de paiement électronique 100 facilite l'envoi et la réception d'argent plus simplement en utilisant des dispositifs utilisateur 106. Il fournit un serveur d'interface de paiement unifiée (UPI) 102 et permet aux utilisateurs de pousser et de tirer/recevoir des paiements à partir de comptes d'autres personnes/entités. Le système 100 de la présente invention permet d'effectuer des transactions de paiement entre des utilisateurs sans que lesdits utilisateurs aient nécessairement besoin d'avoir les informations bancaires et les coordonnées de compte bancaire les uns des autres. Il élimine le risque du stockage des coordonnées de compte de client et il peut être utilisé par des clients qui n'ont pas de cartes de crédit/débit. Il permet la confidentialité des transactions de paiement et facilite de multiples services publics, le paiement à la livraison, le partage de facture, les paiements/versements de marchand. L'EPS 100 de la présente invention fonctionne sur diverses interfaces, de sorte que des demandes de paiement peuvent être générées sur une interface Web et autorisées sur une interface mobile.
CA3131260A 2019-02-28 2020-01-29 Systeme de paiement electronique et procede associe Abandoned CA3131260A1 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
IN201923007905 2019-02-28
IN201923007905 2019-02-28
PCT/IB2020/050667 WO2020174296A1 (fr) 2019-02-28 2020-01-29 Système de paiement électronique et procédé associé

Publications (1)

Publication Number Publication Date
CA3131260A1 true CA3131260A1 (fr) 2020-09-03

Family

ID=72239220

Family Applications (1)

Application Number Title Priority Date Filing Date
CA3131260A Abandoned CA3131260A1 (fr) 2019-02-28 2020-01-29 Systeme de paiement electronique et procede associe

Country Status (3)

Country Link
CA (1) CA3131260A1 (fr)
SG (1) SG11202109040UA (fr)
WO (1) WO2020174296A1 (fr)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20240152914A1 (en) * 2021-04-09 2024-05-09 Data Mesh Group Pty Ltd A system and method for secure transactions

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA3016381C (fr) * 2016-06-22 2023-02-28 National Payments Corporation Of India Systeme de paiement electronique et procede associe

Also Published As

Publication number Publication date
SG11202109040UA (en) 2021-09-29
WO2020174296A1 (fr) 2020-09-03

Similar Documents

Publication Publication Date Title
CA3016381C (fr) Systeme de paiement electronique et procede associe
US10956906B2 (en) Secure account creation
US8116734B2 (en) Party identification in a wireless network
US8301500B2 (en) Ghosting payment account data in a mobile telephone payment transaction system
CN107230079B (zh) 使用数字货币芯片卡进行离线支付的方法及系统
CN107230068B (zh) 使用可视数字货币芯片卡支付数字货币的方法和系统
CN107230072B (zh) 使用数字货币芯片卡进行网上支付的方法和系统
CA3131260A1 (fr) Systeme de paiement electronique et procede associe
KR20100109992A (ko) 휴대폰 번호를 이용한 결제서비스 제공방법과 이를 위한 기록매체
US20200097968A1 (en) System and logic to convert an existing online bank transfer transaction
KR20240018525A (ko) 사용자 계정 연계 결제 및 청구, 통합 디지털 청구인 결제 지갑을 위한 방법, 장치 및 시스템
Fashoto et al. Development of e-wallet system for Tertiary institution in a Developing country.
Sakurada et al. SoK: Directions and Issues in Formal Verification of Payment Protocols
KR100876589B1 (ko) 펀드 가입에 따른 포인트 처리 방법 및 시스템과 이를 위한기록매체
Saravanan et al. SECURE AND CARD LESS FINGER PRINT BASED ANDROID APPLICATION FOR SHOPPING AND BILL PAYMENTS

Legal Events

Date Code Title Description
FZDE Discontinued

Effective date: 20230802