CA3048375C - Procede et systeme de paiement en reseau - Google Patents

Procede et systeme de paiement en reseau Download PDF

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Publication number
CA3048375C
CA3048375C CA3048375A CA3048375A CA3048375C CA 3048375 C CA3048375 C CA 3048375C CA 3048375 A CA3048375 A CA 3048375A CA 3048375 A CA3048375 A CA 3048375A CA 3048375 C CA3048375 C CA 3048375C
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CA
Canada
Prior art keywords
payment
type
bank
server
client device
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
CA3048375A
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English (en)
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CA3048375A1 (fr
Inventor
Yi Zhang
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.)
10353744 Canada Ltd
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10353744 Canada 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.)
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Publication date
Application filed by 10353744 Canada Ltd filed Critical 10353744 Canada Ltd
Priority to CA3048375A priority Critical patent/CA3048375C/fr
Publication of CA3048375A1 publication Critical patent/CA3048375A1/fr
Application granted granted Critical
Publication of CA3048375C publication Critical patent/CA3048375C/fr
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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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
    • 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]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • 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
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • 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
    • 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
    • G06Q20/403—Solvency 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
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]

Landscapes

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

Abstract

Il est décrit un système et une méthode de paiement en réseau qui comprennent les étapes suivantes : un premier type de client transmet des informations de demande à un serveur de paiement en réseau pour demander un paquet de données dengagement de paiement; le serveur de paiement en réseau génère un paquet de données dengagement de paiement temporaire en fonction des informations de demande; un premier type de serveur de banque procède à la vérification du paquet de données dengagement de paiement temporaire. Si le paiement doit être suspendu, le premier type de client ou de cliente fait une demande de décision auprès des autorités sur les droits publics, puis envoie une demande dallongement de la période de paiement au serveur de paiement en réseau. Sil faut mettre fin au paiement, le premier type de serveur de banque avise le serveur de paiement en réseau de linvalidation du paquet de données dengagement de paiement, puis le serveur de paiement en réseau libère les fonds. Le système et la méthode de paiement en réseau décrites réduisent le risque associé aux fonds et garantissent le bénéfice du payeur ou de la payeuse.
CA3048375A 2014-05-12 2014-05-12 Procede et systeme de paiement en reseau Active CA3048375C (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CA3048375A CA3048375C (fr) 2014-05-12 2014-05-12 Procede et systeme de paiement en reseau

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
CA3048375A CA3048375C (fr) 2014-05-12 2014-05-12 Procede et systeme de paiement en reseau
PCT/CN2014/077209 WO2015172276A1 (fr) 2014-05-12 2014-05-12 Procédé et système de paiement en réseau
CA2985890A CA2985890C (fr) 2014-05-12 2014-05-12 Procede et systeme de paiement en reseau

Related Parent Applications (1)

Application Number Title Priority Date Filing Date
CA2985890A Division CA2985890C (fr) 2014-05-12 2014-05-12 Procede et systeme de paiement en reseau

Publications (2)

Publication Number Publication Date
CA3048375A1 CA3048375A1 (fr) 2015-11-19
CA3048375C true CA3048375C (fr) 2023-02-07

Family

ID=53696569

Family Applications (7)

Application Number Title Priority Date Filing Date
CA2985890A Active CA2985890C (fr) 2014-05-12 2014-05-12 Procede et systeme de paiement en reseau
CA3048263A Active CA3048263C (fr) 2014-05-12 2014-05-12 Procede et systeme de paiement en reseau
CA3048266A Active CA3048266C (fr) 2014-05-12 2014-05-12 Procede et systeme de paiement en reseau
CA3048375A Active CA3048375C (fr) 2014-05-12 2014-05-12 Procede et systeme de paiement en reseau
CA3048370A Active CA3048370C (fr) 2014-05-12 2014-05-12 Procede et systeme de paiement en reseau
CA3048268A Active CA3048268C (fr) 2014-05-12 2014-05-12 Procede et systeme de paiement en reseau
CA3048342A Active CA3048342C (fr) 2014-05-12 2014-05-12 Procede et systeme de paiement en reseau

Family Applications Before (3)

Application Number Title Priority Date Filing Date
CA2985890A Active CA2985890C (fr) 2014-05-12 2014-05-12 Procede et systeme de paiement en reseau
CA3048263A Active CA3048263C (fr) 2014-05-12 2014-05-12 Procede et systeme de paiement en reseau
CA3048266A Active CA3048266C (fr) 2014-05-12 2014-05-12 Procede et systeme de paiement en reseau

Family Applications After (3)

Application Number Title Priority Date Filing Date
CA3048370A Active CA3048370C (fr) 2014-05-12 2014-05-12 Procede et systeme de paiement en reseau
CA3048268A Active CA3048268C (fr) 2014-05-12 2014-05-12 Procede et systeme de paiement en reseau
CA3048342A Active CA3048342C (fr) 2014-05-12 2014-05-12 Procede et systeme de paiement en reseau

Country Status (3)

Country Link
CN (1) CN104813347A (fr)
CA (7) CA2985890C (fr)
WO (1) WO2015172276A1 (fr)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105827659B (zh) * 2016-05-30 2019-11-15 中国邮政储蓄银行股份有限公司 应用于移动终端的安全控制系统
CN108985752A (zh) * 2018-06-29 2018-12-11 杭州复杂美科技有限公司 一种支付方法及系统、设备和存储介质

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002135353A (ja) * 2000-10-19 2002-05-10 Matsushita Electric Ind Co Ltd データ配信システム
CN1560773A (zh) * 2004-02-21 2005-01-05 丽 王 网上结算信用证
CN101477665A (zh) * 2008-12-19 2009-07-08 福建今日特价网络有限公司 协同数字营销系统及方法
CN101436279A (zh) * 2008-12-19 2009-05-20 福建今日特价网络有限公司 一种网上交易支付系统及方法
CN102930469A (zh) * 2012-11-13 2013-02-13 中国民生银行股份有限公司 转账数据处理方法和装置

Also Published As

Publication number Publication date
CA3048263C (fr) 2023-02-07
CA3048263A1 (fr) 2015-11-19
CA2985890C (fr) 2020-07-28
CA3048266C (fr) 2023-02-07
WO2015172276A1 (fr) 2015-11-19
CA2985890A1 (fr) 2015-11-19
CN104813347A (zh) 2015-07-29
CA3048268A1 (fr) 2015-11-19
CA3048370C (fr) 2024-03-19
CA3048266A1 (fr) 2015-11-19
CA3048375A1 (fr) 2015-11-19
CA3048342A1 (fr) 2015-11-19
CA3048342C (fr) 2022-03-15
CA3048268C (fr) 2023-09-19
CA3048370A1 (fr) 2015-11-19

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