BR112023024374A2 - Sistema e método para facilitar transações de pagamento parcialmente online e off-line baseadas em regras - Google Patents

Sistema e método para facilitar transações de pagamento parcialmente online e off-line baseadas em regras

Info

Publication number
BR112023024374A2
BR112023024374A2 BR112023024374A BR112023024374A BR112023024374A2 BR 112023024374 A2 BR112023024374 A2 BR 112023024374A2 BR 112023024374 A BR112023024374 A BR 112023024374A BR 112023024374 A BR112023024374 A BR 112023024374A BR 112023024374 A2 BR112023024374 A2 BR 112023024374A2
Authority
BR
Brazil
Prior art keywords
payment transactions
facilitating
psp
partially online
rules
Prior art date
Application number
BR112023024374A
Other languages
English (en)
Inventor
Arif Khan
Ashutosh Dubey
Nishant Gaurav
Sateesh Palagiri
Original Assignee
Nat Payments Corporation 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 Nat Payments Corporation Of India filed Critical Nat Payments Corporation Of India
Publication of BR112023024374A2 publication Critical patent/BR112023024374A2/pt

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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G06Q20/0658—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed locally
    • 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
    • G06Q20/3672—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 initialising or reloading thereof
    • 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
    • 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
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • G06Q20/40145—Biometric identity checks
    • 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
    • G06Q20/405—Establishing or using transaction specific rules

Landscapes

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

Abstract

sistema e método para facilitar transações de pagamento parcialmente online e off-line baseadas em regras. a presente revelação revela um sistema (100) e método (200) para facilitar usuários registrados para realizar transações de pagamento parcialmente online e off-line baseadas em regras. uma ferramenta de psp (20), instalada em um dispositivo eletrônico (10) associado a um usuário registrado, executa um aplicativo confiável (104) em uma área de armazenamento assegurada do dispositivo (10). o aplicativo confiável (104), a ferramenta de psp (20), e o servidor de psp (30) são habilitados para se comunicar com um mecanismo de autenticação (108) e uma pluralidade de servidores de sistemas bancários (40,50) por meio de um comutador eletrônico (106) para facilitar o usuário registrado para se inscrever e criar (204a) uma conta lite de interface de pagamentos unificada (upi); carregar dinheiro (204b) à conta criada a partir de uma conta financeira registrada, em que o dinheiro é armazenado como um valor de saldo na área de armazenamento assegurada; e utilizar o valor de saldo (204c) para realizar as transações de pagamento parcialmente online e off-line sem atingir os servidores de sistema bancário (40,50).
BR112023024374A 2021-05-25 2022-05-23 Sistema e método para facilitar transações de pagamento parcialmente online e off-line baseadas em regras BR112023024374A2 (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
IN202121023338 2021-05-25
PCT/IB2022/054791 WO2022249023A1 (en) 2021-05-25 2022-05-23 A system and method for facilitating rule-based partially online and offline payment transactions

Publications (1)

Publication Number Publication Date
BR112023024374A2 true BR112023024374A2 (pt) 2024-02-15

Family

ID=84228529

Family Applications (1)

Application Number Title Priority Date Filing Date
BR112023024374A BR112023024374A2 (pt) 2021-05-25 2022-05-23 Sistema e método para facilitar transações de pagamento parcialmente online e off-line baseadas em regras

Country Status (8)

Country Link
EP (1) EP4352677A1 (pt)
KR (1) KR20240013197A (pt)
CN (1) CN117546190A (pt)
AU (1) AU2022280370A1 (pt)
BR (1) BR112023024374A2 (pt)
CA (1) CA3218986A1 (pt)
IL (1) IL308549A (pt)
WO (1) WO2022249023A1 (pt)

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP4303797A1 (en) * 2016-06-22 2024-01-10 National Payments Corporation of India An electronic payment system and method thereof

Also Published As

Publication number Publication date
AU2022280370A1 (en) 2023-12-21
IL308549A (en) 2024-01-01
CN117546190A (zh) 2024-02-09
KR20240013197A (ko) 2024-01-30
CA3218986A1 (en) 2022-12-01
EP4352677A1 (en) 2024-04-17
WO2022249023A1 (en) 2022-12-01

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