CA3018456A1 - Reseau de cartes a valeur enregistree a circuit ouvert a base de jetons - Google Patents
Reseau de cartes a valeur enregistree a circuit ouvert a base de jetons Download PDFInfo
- Publication number
- CA3018456A1 CA3018456A1 CA3018456A CA3018456A CA3018456A1 CA 3018456 A1 CA3018456 A1 CA 3018456A1 CA 3018456 A CA3018456 A CA 3018456A CA 3018456 A CA3018456 A CA 3018456A CA 3018456 A1 CA3018456 A1 CA 3018456A1
- Authority
- CA
- Canada
- Prior art keywords
- token
- identifier
- subledger
- authorization
- database
- 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.)
- Pending
Links
- 238000013475 authorization Methods 0.000 claims abstract description 234
- 238000011176 pooling Methods 0.000 claims abstract description 109
- 238000012546 transfer Methods 0.000 claims abstract description 99
- 239000000284 extract Substances 0.000 claims abstract description 9
- 238000004891 communication Methods 0.000 claims description 266
- 238000010200 validation analysis Methods 0.000 claims description 73
- 238000012545 processing Methods 0.000 claims description 64
- 238000000034 method Methods 0.000 claims description 17
- 230000000977 initiatory effect Effects 0.000 claims description 16
- 238000007726 management method Methods 0.000 description 111
- 230000004044 response Effects 0.000 description 47
- 238000010295 mobile communication Methods 0.000 description 14
- 230000001052 transient effect Effects 0.000 description 12
- 230000008676 import Effects 0.000 description 11
- 238000011084 recovery Methods 0.000 description 6
- 230000000007 visual effect Effects 0.000 description 6
- 230000010267 cellular communication Effects 0.000 description 3
- 239000004973 liquid crystal related substance Substances 0.000 description 3
- 230000000694 effects Effects 0.000 description 2
- 238000003672 processing method Methods 0.000 description 2
- 230000001131 transforming effect Effects 0.000 description 2
- 238000010586 diagram Methods 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
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
- G06Q20/34—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
- G06Q20/348—Single-use cards, i.e. without possibility of recharging
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
- G06Q20/20—Point-of-sale [POS] network 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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
-
- 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
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
-
- 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
- G06Q20/342—Cards defining paid or billed services or quantities
-
- 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
-
- 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
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
-
- 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
-
- 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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Mobile Radio Communication Systems (AREA)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CA3018456A CA3018456A1 (fr) | 2018-09-25 | 2018-09-25 | Reseau de cartes a valeur enregistree a circuit ouvert a base de jetons |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CA3018456A CA3018456A1 (fr) | 2018-09-25 | 2018-09-25 | Reseau de cartes a valeur enregistree a circuit ouvert a base de jetons |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CA3018456A1 true CA3018456A1 (fr) | 2020-03-25 |
Family
ID=69948365
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA3018456A Pending CA3018456A1 (fr) | 2018-09-25 | 2018-09-25 | Reseau de cartes a valeur enregistree a circuit ouvert a base de jetons |
Country Status (1)
| Country | Link |
|---|---|
| CA (1) | CA3018456A1 (fr) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20220188795A1 (en) * | 2020-12-15 | 2022-06-16 | Toast, Inc. | System and method for transaction handoff and completion employing indirect token |
| US11475426B2 (en) * | 2020-12-15 | 2022-10-18 | Toast, Inc. | System and method for transaction handoff and completion employing ephemeral token |
| US11475427B2 (en) | 2020-12-15 | 2022-10-18 | Toast, Inc. | Server for transaction handoff and completion employing ephemeral token |
| US11651342B2 (en) | 2020-12-15 | 2023-05-16 | Toast, Inc. | Point-of-sale terminal for transaction handoff and completion employing ephemeral token |
| US12067547B2 (en) | 2020-12-15 | 2024-08-20 | Toast, Inc. | Point-of-sale terminal for transaction handoff and completion employing indirect token |
-
2018
- 2018-09-25 CA CA3018456A patent/CA3018456A1/fr active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20220188795A1 (en) * | 2020-12-15 | 2022-06-16 | Toast, Inc. | System and method for transaction handoff and completion employing indirect token |
| US11475426B2 (en) * | 2020-12-15 | 2022-10-18 | Toast, Inc. | System and method for transaction handoff and completion employing ephemeral token |
| US11475427B2 (en) | 2020-12-15 | 2022-10-18 | Toast, Inc. | Server for transaction handoff and completion employing ephemeral token |
| US11651342B2 (en) | 2020-12-15 | 2023-05-16 | Toast, Inc. | Point-of-sale terminal for transaction handoff and completion employing ephemeral token |
| US11651344B2 (en) | 2020-12-15 | 2023-05-16 | Toast, Inc. | System and method for transaction handoff and completion employing indirect token |
| US12067547B2 (en) | 2020-12-15 | 2024-08-20 | Toast, Inc. | Point-of-sale terminal for transaction handoff and completion employing indirect token |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| EP3864601B1 (fr) | Techniques pour des transactions de proximité de jeton | |
| US20200097937A1 (en) | Token-based open-loop stored-value card network | |
| US10891611B2 (en) | System and method for authenticating a payment terminal | |
| EP3848874B1 (fr) | Systèmes et procédés destinés à faciliter une transaction à l'aide d'une carte virtuelle sur un dispositif mobile | |
| US8504475B2 (en) | Systems and methods for enrolling users in a payment service | |
| US10270587B1 (en) | Methods and systems for electronic transactions using multifactor authentication | |
| US20160117673A1 (en) | System and method for secured transactions using mobile devices | |
| CA3018456A1 (fr) | Reseau de cartes a valeur enregistree a circuit ouvert a base de jetons | |
| US20160239833A1 (en) | Methods and systems for processing an electronic payment | |
| CN112889241B (zh) | 用于账户验证的核实服务 | |
| US20150142666A1 (en) | Authentication service | |
| KR20140125449A (ko) | 거래 프로세싱 시스템 및 방법 | |
| WO2010017493A2 (fr) | Transaction sécurisée dans un environnement où ne règne pas la confiance | |
| US20150142667A1 (en) | Payment authorization system | |
| CN113015992B (zh) | 多个令牌的云令牌预配 | |
| EP2684169A1 (fr) | Système de transaction de mise en correspondance de deux parties sécurisé | |
| US11849042B2 (en) | Virtual access credential interaction system and method | |
| CN112823368A (zh) | 通过云生物特征标识和认证实现的令牌化非接触式交易 | |
| US20230298009A1 (en) | Rapid cryptocurrency transaction processing | |
| CN114788223A (zh) | 令牌管理系统和方法 | |
| CN114207578A (zh) | 移动应用程序集成 | |
| US20170161744A1 (en) | System and Method for Cash Withdrawal | |
| EP3776425B1 (fr) | Système et procédé d'authentification sécurisée | |
| CA3017468C (fr) | Reglement electronique de compte a l`aide de serveurs informatiques distincts | |
| US11687933B2 (en) | Electronic account settlement via distinct computer servers |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| EEER | Examination request |
Effective date: 20220921 |
|
| EEER | Examination request |
Effective date: 20220921 |
|
| EEER | Examination request |
Effective date: 20220921 |
|
| EEER | Examination request |
Effective date: 20220921 |