CA3016381C - An electronic payment system and method thereof - Google Patents

An electronic payment system and method thereof Download PDF

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Publication number
CA3016381C
CA3016381C CA3016381A CA3016381A CA3016381C CA 3016381 C CA3016381 C CA 3016381C CA 3016381 A CA3016381 A CA 3016381A CA 3016381 A CA3016381 A CA 3016381A CA 3016381 C CA3016381 C CA 3016381C
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CA
Canada
Prior art keywords
registered
user
psps
payment
registered user
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
CA3016381A
Other languages
English (en)
French (fr)
Other versions
CA3016381A1 (en
Inventor
Dilip ASBE
Narayanan Rajendran
Sateesh PALAGIRI
Anubhav SHARMA
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.)
National Payments Corporation of India
Original Assignee
National 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 National Payments Corporation of India filed Critical National Payments Corporation of India
Publication of CA3016381A1 publication Critical patent/CA3016381A1/en
Application granted granted Critical
Publication of CA3016381C publication Critical patent/CA3016381C/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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]
    • G06Q20/3221—Access to banking information through M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (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)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Credit Cards Or The Like (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Catching Or Destruction (AREA)
  • User Interface Of Digital Computer (AREA)
CA3016381A 2016-06-22 2017-05-12 An electronic payment system and method thereof Active CA3016381C (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
IN201621021488 2016-06-22
IN201621021488A IN201621021488A (enExample) 2016-06-22 2017-05-12
PCT/IB2017/052793 WO2017221085A1 (en) 2016-06-22 2017-05-12 An electronic payment system and method thereof

Publications (2)

Publication Number Publication Date
CA3016381A1 CA3016381A1 (en) 2017-12-28
CA3016381C true CA3016381C (en) 2023-02-28

Family

ID=60784439

Family Applications (1)

Application Number Title Priority Date Filing Date
CA3016381A Active CA3016381C (en) 2016-06-22 2017-05-12 An electronic payment system and method thereof

Country Status (16)

Country Link
US (1) US10902403B2 (enExample)
EP (2) EP4303797A1 (enExample)
JP (1) JP6811787B2 (enExample)
KR (1) KR102405042B1 (enExample)
CN (1) CN109196535B (enExample)
AU (3) AU2017283207A1 (enExample)
BR (1) BR112018076769A8 (enExample)
CA (1) CA3016381C (enExample)
EA (1) EA035549B1 (enExample)
IL (1) IL263763B2 (enExample)
IN (1) IN201621021488A (enExample)
PH (1) PH12019550003A1 (enExample)
SG (1) SG11201807324QA (enExample)
UA (1) UA128858C2 (enExample)
WO (1) WO2017221085A1 (enExample)
ZA (1) ZA201808106B (enExample)

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US12299686B2 (en) * 2014-04-23 2025-05-13 Minkasu, Inc Authenticating transactions using biometric authentication
US20210019797A1 (en) 2015-01-09 2021-01-21 Wells Fargo Bank, N.A. Systems and methods for on demand and location-based offers
US10990974B1 (en) 2015-01-15 2021-04-27 Wells Fargo Bank, N.A. Identity verification services and user information provision via application programming interface
US10621658B1 (en) 2015-01-15 2020-04-14 Wells Fargo Bank, N.A. Identity verification services with identity score through external entities via application programming interface
US10997654B1 (en) 2015-01-15 2021-05-04 Wells Fargo Bank, N.A. Identity verification services through external entities via application programming interface
US10937025B1 (en) 2015-01-15 2021-03-02 Wells Fargo Bank, N.A. Payment services via application programming interface
WO2019070512A1 (en) * 2017-10-06 2019-04-11 Mastercard International Incorporated DISTRIBUTION SYSTEMS AND ASSOCIATED METHODS
US11676126B1 (en) 2017-12-28 2023-06-13 Wells Fargo Bank, N.A. Account open interfaces
US11106515B1 (en) 2017-12-28 2021-08-31 Wells Fargo Bank, N.A. Systems and methods for multi-platform product integration
US11995619B1 (en) 2017-12-28 2024-05-28 Wells Fargo Bank, N.A. Account open interfaces
CN110581771B (zh) * 2018-06-07 2022-02-25 连株式会社 利用网络消息服务以处理费用拆分的方法、计算装置可读存储介质以及计算装置
US11244322B2 (en) * 2018-09-18 2022-02-08 Mastercard International Incorporated Methods and apparatus for chargebacks of push payment transactions
US11161245B2 (en) 2018-10-25 2021-11-02 Wells Fargo Bank, N.A. Systems and methods for secure locker feeders
US11379850B1 (en) 2018-12-10 2022-07-05 Wells Fargo Bank, N.A. Third-party payment interfaces
JP2020113124A (ja) * 2019-01-15 2020-07-27 東芝テック株式会社 情報処理装置及び情報処理プログラム
SG11202109040UA (en) * 2019-02-28 2021-09-29 Nat Payments Corporation Of India An electronic payment system and method thereof
CN109960409B (zh) * 2019-03-18 2021-07-16 联想(北京)有限公司 信息处理方法、装置及电子设备
US11769132B1 (en) * 2019-05-22 2023-09-26 Wells Fargo Bank, N.A. P2P payments via integrated 3rd party APIs
US11044246B1 (en) 2019-06-21 2021-06-22 Wells Fargo Bank, N.A. Secure communications via third-party systems through frames
US11989706B2 (en) 2019-12-19 2024-05-21 Kishore Swaminathan Open infrastructure for vending machine payments from mobile devices
US20250094977A1 (en) * 2020-03-05 2025-03-20 Payrange Llc Self-Service Controlled Dispensing System and Method
CN117314401A (zh) * 2020-04-20 2023-12-29 车主邦（北京）科技有限公司 无感支付方法
CN111784355B (zh) * 2020-07-17 2023-03-10 支付宝(杭州)信息技术有限公司 一种基于边缘计算的交易安全性验证方法及装置
CN113159747B (zh) * 2021-01-08 2022-07-29 支付宝(杭州)信息技术有限公司 一种针对电子交通账户的管理方法、装置及设备
CN112965841A (zh) * 2021-04-05 2021-06-15 朱小英 基于h5的云手机支付方法及装置
BR112023024374A2 (pt) * 2021-05-25 2024-02-15 Nat Payments Corporation Of India Sistema e método para facilitar transações de pagamento parcialmente online e off-line baseadas em regras
WO2023101596A1 (en) * 2021-12-01 2023-06-08 Crunchfish Digital Cash Ab Computerized method and system for digital payments
SE2250076A1 (en) * 2021-12-01 2023-06-02 Crunchfish Digital Cash Ab Computerized method and system for digital payments
US12443957B2 (en) * 2021-12-23 2025-10-14 Srinivas Vadhri Payment systems and methods
CN114638608B (zh) * 2022-03-10 2025-12-16 中国银联股份有限公司 支付方法、终端设备、服务器、系统及介质
CN115775147A (zh) * 2022-11-17 2023-03-10 重庆葵海数字科技有限公司 服务电商支付聚合平台的工作方法
US20240378586A1 (en) * 2023-05-11 2024-11-14 Block, Inc. Dynamic user interfaces and operational flows

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Also Published As

Publication number Publication date
JP2019522833A (ja) 2019-08-15
EP3411841A4 (en) 2019-10-16
EP4303797A1 (en) 2024-01-10
CN109196535B (zh) 2023-07-07
EA035549B1 (ru) 2020-07-06
BR112018076769A2 (pt) 2019-04-02
AU2023203106A1 (en) 2023-06-08
IL263763B (en) 2022-10-01
SG11201807324QA (en) 2018-09-27
IL263763B2 (en) 2023-02-01
US20190303910A1 (en) 2019-10-03
PH12019550003A1 (en) 2019-07-24
JP6811787B2 (ja) 2021-01-13
CA3016381A1 (en) 2017-12-28
CN109196535A (zh) 2019-01-11
AU2017283207A1 (en) 2018-09-20
ZA201808106B (en) 2019-08-28
AU2025202579A1 (en) 2025-05-01
BR112018076769A8 (pt) 2023-04-18
US10902403B2 (en) 2021-01-26
EA201892669A1 (ru) 2019-04-30
EP3411841A1 (en) 2018-12-12
IL263763A (en) 2019-01-31
UA128858C2 (uk) 2024-11-13
WO2017221085A1 (en) 2017-12-28
IN201621021488A (enExample) 2017-12-29
KR20190021222A (ko) 2019-03-05
KR102405042B1 (ko) 2022-06-07

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