IN2014CN03582A - - Google Patents

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Publication number
IN2014CN03582A
IN2014CN03582A IN3582CHN2014A IN2014CN03582A IN 2014CN03582 A IN2014CN03582 A IN 2014CN03582A IN 3582CHN2014 A IN3582CHN2014 A IN 3582CHN2014A IN 2014CN03582 A IN2014CN03582 A IN 2014CN03582A
Authority
IN
India
Prior art keywords
smart card
contactless device
transmits
deposit
remote system
Prior art date
Application number
Inventor
Michael William Springer
Fan Jiang
Aneto Pablo Okonkwo
Malgorzata Monika Lisowiec
Patrick Pui Wah Leung
Original Assignee
Google Inc
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
Priority claimed from US13/280,231 external-priority patent/US20130103524A1/en
Priority claimed from US13/280,209 external-priority patent/US20130103523A1/en
Application filed by Google Inc filed Critical Google Inc
Publication of IN2014CN03582A publication Critical patent/IN2014CN03582A/en

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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G06Q20/3415—Cards acting autonomously as pay-media
    • 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
    • G06Q20/3676—Balancing accounts

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)
  • Economics (AREA)
  • Development Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)

Abstract

Offline processing and storage of purchases is possible with the tap of a smart card to a contactless device. The smart card transmits its transaction history to the contactless device. The user may deposit funds onto the smart card wherein the merchant enters the deposit information onto the contactless device and transmits a request to the remote system. The remote system processes the request and transmits a deposit record to the contactless device which in turn transmits the deposit record to the smart card. The user also may withdraw funds from the smart card wherein the contactless device determines whether the smart card has a sufficient balance available by reading the current sum of deposits and the current sum of withdrawals from the smart card. The sum of withdrawals is current on the smart card even if the contactless device does not have network access to the remote system.
IN3582CHN2014 2011-10-24 2012-10-24 IN2014CN03582A (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US13/280,231 US20130103524A1 (en) 2011-10-24 2011-10-24 System for offline processing of purchases
US13/280,209 US20130103523A1 (en) 2011-10-24 2011-10-24 Transaction storage scheme for offline payment system
PCT/US2012/061756 WO2013063166A1 (en) 2011-10-24 2012-10-24 System for offline processing of purchases

Publications (1)

Publication Number Publication Date
IN2014CN03582A true IN2014CN03582A (en) 2015-10-09

Family

ID=48168452

Family Applications (1)

Application Number Title Priority Date Filing Date
IN3582CHN2014 IN2014CN03582A (en) 2011-10-24 2012-10-24

Country Status (4)

Country Link
AU (1) AU2012244201B2 (en)
BR (1) BR112014009765A2 (en)
IN (1) IN2014CN03582A (en)
WO (1) WO2013063166A1 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10192214B2 (en) 2013-03-11 2019-01-29 Google Llc Pending deposit for payment processing system
US20160371716A1 (en) * 2015-06-19 2016-12-22 Google Inc. Loyalty rewards in offline payment system

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7421287B2 (en) * 2004-02-12 2008-09-02 Sammsung Electronics Co., Ltd. Mobile communication terminal and method for managing use-history information
CA2722163A1 (en) * 2008-04-22 2009-10-29 Visa International Service Association Prepaid portable consumer device including accumulator
CN101953187B (en) * 2008-07-10 2014-08-27 Sk普兰尼特有限公司 Personalized service system based on smart car and method thereof, and smart card applied to the same
KR20100138659A (en) * 2009-06-25 2010-12-31 에스케이 텔레콤주식회사 User friendly electronic cash system and controll method thereof
KR101656500B1 (en) * 2009-07-07 2016-09-12 에스케이플래닛 주식회사 Electronic cash system for offline transaction and controll method thereof

Also Published As

Publication number Publication date
AU2012244201A1 (en) 2013-05-09
WO2013063166A1 (en) 2013-05-02
AU2012244201B2 (en) 2014-09-25
BR112014009765A2 (en) 2017-04-25

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