FR3010215B1 - Procede de traitement de donnees transactionnelles, dispositifs et programmes d'ordinateur correspondants. - Google Patents

Procede de traitement de donnees transactionnelles, dispositifs et programmes d'ordinateur correspondants.

Info

Publication number
FR3010215B1
FR3010215B1 FR1358276A FR1358276A FR3010215B1 FR 3010215 B1 FR3010215 B1 FR 3010215B1 FR 1358276 A FR1358276 A FR 1358276A FR 1358276 A FR1358276 A FR 1358276A FR 3010215 B1 FR3010215 B1 FR 3010215B1
Authority
FR
France
Prior art keywords
identifier
digital wallet
server
ipn
transaction
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.)
Active
Application number
FR1358276A
Other languages
English (en)
Other versions
FR3010215A1 (fr
Inventor
Michel Leger
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.)
Banks and Acquirers International Holding SAS
Original Assignee
Compagnie Industrielle et Financiere dIngenierie Ingenico SA
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 Compagnie Industrielle et Financiere dIngenierie Ingenico SA filed Critical Compagnie Industrielle et Financiere dIngenierie Ingenico SA
Priority to FR1358276A priority Critical patent/FR3010215B1/fr
Priority to CA2921193A priority patent/CA2921193A1/fr
Priority to EP14761809.4A priority patent/EP3039628A2/fr
Priority to US14/915,539 priority patent/US20160210617A1/en
Priority to PCT/EP2014/068017 priority patent/WO2015028435A2/fr
Publication of FR3010215A1 publication Critical patent/FR3010215A1/fr
Application granted granted Critical
Publication of FR3010215B1 publication Critical patent/FR3010215B1/fr
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • 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
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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
    • 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
    • G06Q2220/00—Business processing using cryptography
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees

Landscapes

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

Abstract

L'invention se rapporte à un procédé de traitement d'une transaction au sein d'un serveur. Selon l'invention, un tel procédé comprend : - une étape de réception (100) d'une requête de traitement (RqT), en provenance d'un terminal de paiement (TP), connecté audit serveur (SI) par l'intermédiaire d'un réseau de communication ; - une étape d'analyse (200) de ladite requête de traitement (RqT) délivrant au moins un identifiant d'un portefeuille numérique (IPN) et un identifiant d'un utilisateur de portefeuille numérique (IUPN). - une étape de mise en œuvre (300) d'une transaction de paiement à partir dudit identifiant d'un portefeuille numérique (IPN) et dudit identifiant dudit utilisateur de portefeuille numérique (IUPN) et d'au moins un paramètre spécifique (PrS) à un serveur transactionnel (ST) associé audit identifiant de portefeuille numérique (IPN), et connecté audit serveur par un réseau de communication. - une étape de réception (400), en provenance du serveur transactionnel (ST), d'une donnée représentative de l'acceptation ou du refus de la transaction, dite donnée de finalisation (DF). Une étape de transmission (500) de cette donnée de finalisation(DF) audit terminal de paiement (TP).
FR1358276A 2013-08-29 2013-08-29 Procede de traitement de donnees transactionnelles, dispositifs et programmes d'ordinateur correspondants. Active FR3010215B1 (fr)

Priority Applications (5)

Application Number Priority Date Filing Date Title
FR1358276A FR3010215B1 (fr) 2013-08-29 2013-08-29 Procede de traitement de donnees transactionnelles, dispositifs et programmes d'ordinateur correspondants.
CA2921193A CA2921193A1 (fr) 2013-08-29 2014-08-26 Procede de traitement de donnees transactionnelles, dispositifs et programmes d'ordinateur corrrespondants
EP14761809.4A EP3039628A2 (fr) 2013-08-29 2014-08-26 Procede de traitement de donnees transactionnelles, dispositifs et programmes d'ordinateur corrrespondants
US14/915,539 US20160210617A1 (en) 2013-08-29 2014-08-26 Method for processing transactional data, corresponding devices and computer programs
PCT/EP2014/068017 WO2015028435A2 (fr) 2013-08-29 2014-08-26 Procede de traitement de donnees transactionnelles, dispositifs et programmes d'ordinateur corrrespondants

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
FR1358276A FR3010215B1 (fr) 2013-08-29 2013-08-29 Procede de traitement de donnees transactionnelles, dispositifs et programmes d'ordinateur correspondants.

Publications (2)

Publication Number Publication Date
FR3010215A1 FR3010215A1 (fr) 2015-03-06
FR3010215B1 true FR3010215B1 (fr) 2016-12-30

Family

ID=50069020

Family Applications (1)

Application Number Title Priority Date Filing Date
FR1358276A Active FR3010215B1 (fr) 2013-08-29 2013-08-29 Procede de traitement de donnees transactionnelles, dispositifs et programmes d'ordinateur correspondants.

Country Status (5)

Country Link
US (1) US20160210617A1 (fr)
EP (1) EP3039628A2 (fr)
CA (1) CA2921193A1 (fr)
FR (1) FR3010215B1 (fr)
WO (1) WO2015028435A2 (fr)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10366387B2 (en) * 2013-10-29 2019-07-30 Visa International Service Association Digital wallet system and method
US10382586B2 (en) * 2014-05-07 2019-08-13 TreSensa Inc. Coordinating services across multiple providers
JP7114469B2 (ja) 2016-02-23 2022-08-08 エヌチェーン ホールディングス リミテッド セキュアな投票及び配布に利用されるブロックチェーンが実装された計数システム及び方法
MX2018010057A (es) 2016-02-23 2019-01-21 Nchain Holdings Ltd Metodo de registro y de manejo automatico para contratos inteligentes de cumplimiento obligado por cadenas de bloques.
WO2017145016A1 (fr) 2016-02-23 2017-08-31 nChain Holdings Limited Détermination d'un secret commun pour l'échange sécurisé d'informations et de clés cryptographiques déterministes et hiérarchiques
EP3862956B1 (fr) * 2016-02-23 2024-01-03 nChain Licensing AG Stockage sécurisé résistant à une perte multipartite et transfert de clés cryptographiques pour des systèmes basés sur une chaîne de blocs conjointement avec un système de gestion de portefeuille
US11651343B2 (en) * 2016-07-06 2023-05-16 PowerPay, LLC Systems and method for payment transaction processing with payment application driver
CN108701271A (zh) * 2018-05-30 2018-10-23 深圳市元征科技股份有限公司 一种维修设备的管理方法、系统及数据管理服务器

Family Cites Families (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5696909A (en) * 1995-01-27 1997-12-09 Hypercom, Inc. Virtual POS terminal
MXPA02005228A (es) * 1999-11-23 2003-09-25 U S Wireless Data Inc Procesamiento de transacciones que utiliza una arquitectura de servidor intermediario.
US20020046185A1 (en) * 2000-08-30 2002-04-18 Jean-Marc Villart System and method conducting POS transactions
CA2950637C (fr) * 2002-06-12 2019-03-19 Cardinalcommerce Corporation Plate-forme commerciale universelle pour une authentification de paiement
PT1769342T (pt) * 2004-05-25 2019-09-17 Muxi Tecnologia Em Pagamentos S A Sistema para aceder a um terminal pos, método para descarregar e atualizar aplicações, e método para efetuar uma operação eletrónica utilizando um tal sistema
US8756412B2 (en) * 2010-04-16 2014-06-17 Honeywell International Inc. Gateway supporting transparent redundancy in process control systems and other systems and related method
EP2378451B1 (fr) * 2010-04-19 2018-07-04 Vodafone Holding GmbH Authentification d'utilisateur dans un service à base d'étiquettes
US20130060682A1 (en) * 2010-05-25 2013-03-07 Nec Soft, Ltd. Method for managing payment means over a network using electronic wallet, payment means management device, and payment means management program
US10290018B2 (en) * 2011-11-09 2019-05-14 Visa International Service Association Systems and methods to communicate with users via social networking sites
KR101509854B1 (ko) * 2012-02-23 2015-04-08 현대자동차주식회사 관심 공간을 이용한 공간 매칭 방법 및 장치
US9092767B1 (en) * 2013-03-04 2015-07-28 Google Inc. Selecting a preferred payment instrument

Also Published As

Publication number Publication date
EP3039628A2 (fr) 2016-07-06
WO2015028435A3 (fr) 2015-07-16
FR3010215A1 (fr) 2015-03-06
WO2015028435A2 (fr) 2015-03-05
CA2921193A1 (fr) 2015-03-05
US20160210617A1 (en) 2016-07-21

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