SG11201811401TA - Method and device facilitating expansion of primary payment instruments - Google Patents

Method and device facilitating expansion of primary payment instruments

Info

Publication number
SG11201811401TA
SG11201811401TA SG11201811401TA SG11201811401TA SG11201811401TA SG 11201811401T A SG11201811401T A SG 11201811401TA SG 11201811401T A SG11201811401T A SG 11201811401TA SG 11201811401T A SG11201811401T A SG 11201811401TA SG 11201811401T A SG11201811401T A SG 11201811401TA
Authority
SG
Singapore
Prior art keywords
primary
primary payment
payment instrument
key generation
key
Prior art date
Application number
SG11201811401TA
Inventor
Song Xu
Original Assignee
Alibaba Group Holding Ltd
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 Alibaba Group Holding Ltd filed Critical Alibaba Group Holding Ltd
Publication of SG11201811401TA publication Critical patent/SG11201811401TA/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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90—Details of database functions independent of the retrieved data types
    • G06F16/901—Indexing; Data structures therefor; Storage structures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90—Details of database functions independent of the retrieved data types
    • G06F16/903—Querying
    • 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
    • G06Q20/22—Payment schemes or models
    • 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
    • G06Q30/06—Buying, selling or leasing 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
    • 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
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • 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

Abstract

The present application provides a method and a device for facilitating expansion of primary payment instruments. The method comprises: determining a type of a primary payment instrument (S101); searching for a primary key generation rule corresponding to the type (S102); and generating, according to the primary key generation rule, a primary payment key for the primary payment instrument, and storing a corresponding relationship between the primary payment instrument and the primary payment key thereof (S103), wherein the primary key generation rule specifies a primary payment instrument element for generating the primary payment key, and wherein primary key generation rules corresponding to different types of primary payment instruments specify different primary payment instrument elements for generating primary payment keys. In the primary payment key generation solution according to the present application, a primary payment key can be generated for a primary payment instrument according to a primary key generation rule corresponding to a type of the primary payment instrument. Upon expansion of primary payment instruments, e.g. addition of a new type of primary payment instrument, or addition of a new primary payment instrument element for a primary payment instrument, the primary key generation rule can be updated without the need of re-developing the entire model, thereby significantly reducing development costs.
SG11201811401TA 2016-06-28 2017-06-16 Method and device facilitating expansion of primary payment instruments SG11201811401TA (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201610496083.7A CN106875175B (en) 2016-06-28 2016-06-28 Method and device convenient for payment subject expansion
PCT/CN2017/088588 WO2018001120A1 (en) 2016-06-28 2017-06-16 Method and device facilitating expansion of primary payment instruments

Publications (1)

Publication Number Publication Date
SG11201811401TA true SG11201811401TA (en) 2019-01-30

Family

ID=59238944

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11201811401TA SG11201811401TA (en) 2016-06-28 2017-06-16 Method and device facilitating expansion of primary payment instruments

Country Status (9)

Country Link
US (1) US11531984B2 (en)
EP (1) EP3477570A4 (en)
JP (1) JP6721724B2 (en)
KR (1) KR102211549B1 (en)
CN (1) CN106875175B (en)
PH (1) PH12018502741A1 (en)
SG (1) SG11201811401TA (en)
TW (1) TWI736608B (en)
WO (1) WO2018001120A1 (en)

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CN117435174B (en) * 2023-12-11 2024-04-09 江西曼荼罗软件有限公司 Payment expansion method and system

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Also Published As

Publication number Publication date
TW201816676A (en) 2018-05-01
EP3477570A1 (en) 2019-05-01
JP6721724B2 (en) 2020-07-15
US20190122211A1 (en) 2019-04-25
KR20190021406A (en) 2019-03-05
EP3477570A4 (en) 2020-01-08
KR102211549B1 (en) 2021-02-04
JP2019521442A (en) 2019-07-25
US11531984B2 (en) 2022-12-20
TWI736608B (en) 2021-08-21
PH12018502741A1 (en) 2019-09-30
CN106875175A (en) 2017-06-20
WO2018001120A1 (en) 2018-01-04
CN106875175B (en) 2020-07-24

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