WO2013062438A3 - Система и способ осуществления платежных транзакций - Google Patents

Система и способ осуществления платежных транзакций Download PDF

Info

Publication number
WO2013062438A3
WO2013062438A3 PCT/RU2012/000824 RU2012000824W WO2013062438A3 WO 2013062438 A3 WO2013062438 A3 WO 2013062438A3 RU 2012000824 W RU2012000824 W RU 2012000824W WO 2013062438 A3 WO2013062438 A3 WO 2013062438A3
Authority
WO
WIPO (PCT)
Prior art keywords
mobile
systems
payment transactions
application
methods
Prior art date
Application number
PCT/RU2012/000824
Other languages
English (en)
French (fr)
Other versions
WO2013062438A2 (ru
Inventor
Николаевич ЛАБЫЧАндрей
Игорь Анатольевич МИЛАШЕВСКИЙ
Original Assignee
Закрытое Акционерное Общество "Интервэйл"
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 Закрытое Акционерное Общество "Интервэйл" filed Critical Закрытое Акционерное Общество "Интервэйл"
Publication of WO2013062438A2 publication Critical patent/WO2013062438A2/ru
Publication of WO2013062438A3 publication Critical patent/WO2013062438A3/ru

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
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through 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
    • G06Q20/38—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

Landscapes

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

Abstract

Настоящее изобретение относится к способам и системам осуществления платежных транзакций для удаленной оплаты услуг различных сервис-провайдеров посредством мобильного устройства, например, смартфона, КПК, мобильного телефона, ноутбука или стационарного устройства, такого, как компьютер. Настоящее изобретение может быть использовано в системах мобильного банкинга, мобильной и электронной коммерции При использовании мобильного приложения безопасность данных обеспечивается при помощи комбинации симметричных и асимметричных методов криптографии, качественные случайные ключи для выполнения криптографических операций генерируются в модуле MAP (С использованием HSM) и загружаются в приложение при выполнении процедур активации и смены ключей. Кроме выполнения платежных транзакций в ПМК реализованы функции формирования отчетов, регистрации Провайдеров и Банков, мониторинга работы системы. В альтернативных вариантах осуществления изобретения возможно подключение к системе билинга сотовых операторов для возможности пополнения предоплаченных карт, а также прямое подключение к таким системам, как MasterCard BankNet.
PCT/RU2012/000824 2011-10-27 2012-10-11 Система и способ осуществления платежных транзакций WO2013062438A2 (ru)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
EA201101630 2011-10-27
EA201101630A EA201101630A1 (ru) 2011-10-27 2011-10-27 Система и способ осуществления платежных транзакций

Publications (2)

Publication Number Publication Date
WO2013062438A2 WO2013062438A2 (ru) 2013-05-02
WO2013062438A3 true WO2013062438A3 (ru) 2013-07-18

Family

ID=48168740

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/RU2012/000824 WO2013062438A2 (ru) 2011-10-27 2012-10-11 Система и способ осуществления платежных транзакций

Country Status (2)

Country Link
EA (1) EA201101630A1 (ru)
WO (1) WO2013062438A2 (ru)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU191682U1 (ru) * 2019-05-29 2019-08-15 Общество с ограниченной ответственностью "СМАРТ ЭНДЖИНС СЕРВИС" Система покупки цифрового контента с использованием мобильного устройства

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2267156C2 (ru) * 2001-10-12 2005-12-27 Виталий Евгеньевич Леонидов-Каневский Способ электронных платежей (варианты)
EP1906349A1 (en) * 2003-07-02 2008-04-02 Mobipay International, S.A. Payment and transaction system using digital mobile telephones
EP1980987A2 (en) * 2006-07-06 2008-10-15 Firethorn Holdings, LLC Methods and systems for real time account balances in a mobile environment
US20090240622A1 (en) * 2008-03-18 2009-09-24 Andre Luis Zandonadi Method and System for Payment Processing
US20100252624A1 (en) * 2005-07-13 2010-10-07 Mastercard International Incorporated Apparatus and method for integrated payment and electronic merchandise transfer
US20110103586A1 (en) * 2008-07-07 2011-05-05 Nobre Tacito Pereira System, Method and Device To Authenticate Relationships By Electronic Means

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2267156C2 (ru) * 2001-10-12 2005-12-27 Виталий Евгеньевич Леонидов-Каневский Способ электронных платежей (варианты)
EP1906349A1 (en) * 2003-07-02 2008-04-02 Mobipay International, S.A. Payment and transaction system using digital mobile telephones
US20100252624A1 (en) * 2005-07-13 2010-10-07 Mastercard International Incorporated Apparatus and method for integrated payment and electronic merchandise transfer
EP1980987A2 (en) * 2006-07-06 2008-10-15 Firethorn Holdings, LLC Methods and systems for real time account balances in a mobile environment
US20090240622A1 (en) * 2008-03-18 2009-09-24 Andre Luis Zandonadi Method and System for Payment Processing
US20110103586A1 (en) * 2008-07-07 2011-05-05 Nobre Tacito Pereira System, Method and Device To Authenticate Relationships By Electronic Means

Also Published As

Publication number Publication date
WO2013062438A2 (ru) 2013-05-02
EA201101630A1 (ru) 2013-04-30

Similar Documents

Publication Publication Date Title
BR112013000494A2 (pt) método, unidade de pagamentos e sistema para conduzir pagamentos com créditos eletrônicos
US20150095219A1 (en) Initiation of online payments using an electronic device identifier
WO2013045743A3 (en) Payment system
WO2013188599A3 (en) Securely communicating between a card reader and a mobile device
WO2014149498A3 (en) Remote secure transactions
PH12015501831A1 (en) Systems, apparatus and methods for mobile companion prepaid card
MX2008013361A (es) Metodos y sistemas para transacciones seguras con dispositivos electronicos.
WO2011146678A3 (en) Method and device for conducting trusted remote payment transactions
WO2014085478A3 (en) Systems and methods for processing electronic transactions based on consumer characteristics
MX2017012298A (es) Sistema de procesamiento de pagos utilizando informacion de pago codificada y metodo para el procesamiento de los mismos.
WO2013074571A3 (en) System and method for conducting a transaction at a financial transaction terminal using a mobile device
CN103942678A (zh) 一种基于可信执行环境的移动支付系统及方法
EP2545508A4 (en) PAYMENT SYSTEM FOR CONTAINER COLUMNS
EP2218046A4 (en) PAYMENT TRANSACTION USING A MOBILE TELEPHONE USED AS A RELAY
CA2862507A1 (en) Wireless communication with ic chip for pin data submission
MX363898B (es) Sistemas y metodos para procesar pagos electronicos utilizando un directorio de pago global.
WO2010019628A3 (en) Mobile payer authentication
WO2012040713A3 (en) Method and system for secure mobile remittance
WO2008121389A3 (en) Banking transaction processing system
CN103258264A (zh) 基于nfc的支付方法和设备
WO2013174325A3 (zh) 移动支付的实现方法及装置
WO2013174317A3 (zh) 金融卡、移动终端及移动支付系统
WO2013062438A3 (ru) Система и способ осуществления платежных транзакций
CN105741102A (zh) 取现系统及取现方法
CN203102335U (zh) 一种具有usb接口和sim接口的手机支付卡

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 12844631

Country of ref document: EP

Kind code of ref document: A2

122 Ep: pct application non-entry in european phase

Ref document number: 12844631

Country of ref document: EP

Kind code of ref document: A2