CA3161647A1 - Systeme de paiement par l'intermediaire d'un portefeuille electronique - Google Patents
Systeme de paiement par l'intermediaire d'un portefeuille electroniqueInfo
- Publication number
- CA3161647A1 CA3161647A1 CA3161647A CA3161647A CA3161647A1 CA 3161647 A1 CA3161647 A1 CA 3161647A1 CA 3161647 A CA3161647 A CA 3161647A CA 3161647 A CA3161647 A CA 3161647A CA 3161647 A1 CA3161647 A1 CA 3161647A1
- Authority
- CA
- Canada
- Prior art keywords
- wallet
- electronic
- value token
- request
- transaction
- 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
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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
- 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
-
- 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
-
- 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
- G06Q20/3674—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 involving authentication
-
- 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
-
- 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
- G06Q20/0655—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed centrally
-
- 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]
-
- 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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
-
- 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
- G06Q20/384—Payment protocols; Details thereof using social networks
-
- 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
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- 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
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4093—Monitoring of device authentication
-
- 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
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Cash Registers Or Receiving Machines (AREA)
Applications Claiming Priority (9)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US201161491791P | 2011-05-31 | 2011-05-31 | |
| US201161491813P | 2011-05-31 | 2011-05-31 | |
| US61/491,813 | 2011-05-31 | ||
| US61/491,791 | 2011-05-31 | ||
| US201161496404P | 2011-06-13 | 2011-06-13 | |
| US201161496397P | 2011-06-13 | 2011-06-13 | |
| US61/496,397 | 2011-06-13 | ||
| US61/496,404 | 2011-06-13 | ||
| CA2837208A CA2837208C (fr) | 2011-05-31 | 2012-05-30 | Systeme de paiement par l'intermediaire d'un portefeuille electronique |
Related Parent Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA2837208A Division CA2837208C (fr) | 2011-05-31 | 2012-05-30 | Systeme de paiement par l'intermediaire d'un portefeuille electronique |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CA3161647A1 true CA3161647A1 (fr) | 2012-12-06 |
Family
ID=47259821
Family Applications (2)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA3161647A Pending CA3161647A1 (fr) | 2011-05-31 | 2012-05-30 | Systeme de paiement par l'intermediaire d'un portefeuille electronique |
| CA2837208A Active CA2837208C (fr) | 2011-05-31 | 2012-05-30 | Systeme de paiement par l'intermediaire d'un portefeuille electronique |
Family Applications After (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA2837208A Active CA2837208C (fr) | 2011-05-31 | 2012-05-30 | Systeme de paiement par l'intermediaire d'un portefeuille electronique |
Country Status (9)
| Country | Link |
|---|---|
| JP (4) | JP2014519657A (fr) |
| KR (4) | KR20140038473A (fr) |
| CN (2) | CN106803176A (fr) |
| AU (9) | AU2012262317A1 (fr) |
| CA (2) | CA3161647A1 (fr) |
| GB (1) | GB2505382A (fr) |
| IN (1) | IN2013DN11079A (fr) |
| MX (1) | MX2013013903A (fr) |
| WO (1) | WO2012166790A1 (fr) |
Families Citing this family (61)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20050229003A1 (en) | 2004-04-09 | 2005-10-13 | Miles Paschini | System and method for distributing personal identification numbers over a computer network |
| US7676030B2 (en) | 2002-12-10 | 2010-03-09 | Ewi Holdings, Inc. | System and method for personal identification number distribution and delivery |
| US10205721B2 (en) | 2002-12-10 | 2019-02-12 | Ewi Holdings, Inc. | System and method for distributing personal identification numbers over a computer network |
| US7131578B2 (en) | 2003-05-28 | 2006-11-07 | Ewi Holdings, Inc. | System and method for electronic prepaid account replenishment |
| US7280644B2 (en) | 2004-12-07 | 2007-10-09 | Ewi Holdings, Inc. | Transaction processing platform for faciliating electronic distribution of plural prepaid services |
| US11599873B2 (en) | 2010-01-08 | 2023-03-07 | Blackhawk Network, Inc. | Systems and methods for proxy card and/or wallet redemption card transactions |
| US11475436B2 (en) | 2010-01-08 | 2022-10-18 | Blackhawk Network, Inc. | System and method for providing a security code |
| US10296895B2 (en) | 2010-01-08 | 2019-05-21 | Blackhawk Network, Inc. | System for processing, activating and redeeming value added prepaid cards |
| US10037526B2 (en) | 2010-01-08 | 2018-07-31 | Blackhawk Network, Inc. | System for payment via electronic wallet |
| US9852414B2 (en) | 2010-01-08 | 2017-12-26 | Blackhawk Network, Inc. | System for processing, activating and redeeming value added prepaid cards |
| KR101903963B1 (ko) | 2010-08-27 | 2018-10-05 | 블랙호크 네트워크, 아이엔씨. | 저축 특징을 갖는 선불 카드 |
| US9691055B2 (en) | 2010-12-17 | 2017-06-27 | Google Inc. | Digital wallet |
| US11042870B2 (en) | 2012-04-04 | 2021-06-22 | Blackhawk Network, Inc. | System and method for using intelligent codes to add a stored-value card to an electronic wallet |
| US11080700B2 (en) | 2015-01-19 | 2021-08-03 | Royal Bank Of Canada | Secure processing of electronic payments |
| US11210648B2 (en) | 2012-10-17 | 2021-12-28 | Royal Bank Of Canada | Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments |
| CA2830260C (fr) | 2012-10-17 | 2021-10-12 | Royal Bank Of Canada | Virtualisation et donnees a traitement sur |
| US11080701B2 (en) | 2015-07-02 | 2021-08-03 | Royal Bank Of Canada | Secure processing of electronic payments |
| US10970714B2 (en) | 2012-11-20 | 2021-04-06 | Blackhawk Network, Inc. | System and method for using intelligent codes in conjunction with stored-value cards |
| US10592888B1 (en) | 2012-12-17 | 2020-03-17 | Wells Fargo Bank, N.A. | Merchant account transaction processing systems and methods |
| US10740731B2 (en) | 2013-01-02 | 2020-08-11 | Visa International Service Association | Third party settlement |
| IN2013MU00255A (fr) * | 2013-01-29 | 2015-06-26 | Tata Consultancy Services Ltd | |
| KR20140105682A (ko) * | 2013-02-22 | 2014-09-02 | 삼성전자주식회사 | 월렛 구성요소에 관한 제휴 정보를 전달하는 단말 장치 및 그 제어 방법 |
| JP2014170406A (ja) * | 2013-03-04 | 2014-09-18 | Yoshihiro Azuma | 企業通貨管理装置、企業通貨管理方法及びプログラム |
| JP2014219778A (ja) * | 2013-05-07 | 2014-11-20 | 佳弘 東 | 企業通貨管理装置、企業通貨管理方法及びプログラム |
| CN103927656A (zh) * | 2014-05-05 | 2014-07-16 | 宋骊平 | 一种内嵌固定收款地址的比特币终端钱包及其比特币支付方法 |
| US20160078444A1 (en) | 2014-09-16 | 2016-03-17 | Mastercard International Incorporated | Systems and methods for providing fraud indicator data within an authentication protocol |
| SG10201405789YA (en) | 2014-09-16 | 2016-04-28 | Smart Communications Inc | System, method and apparatus for updating a stored value card |
| CN107004190A (zh) | 2014-10-10 | 2017-08-01 | 加拿大皇家银行 | 用于处理电子交易的系统 |
| RU2584506C1 (ru) * | 2014-10-22 | 2016-05-20 | Закрытое акционерное общество "Лаборатория Касперского" | Система и способ защиты операций с электронными деньгами |
| AU2015370481A1 (en) * | 2014-12-22 | 2017-07-27 | CFPS Technology Group Pty Ltd | Continuous flow payments |
| US11354651B2 (en) | 2015-01-19 | 2022-06-07 | Royal Bank Of Canada | System and method for location-based token transaction processing |
| US11599879B2 (en) | 2015-07-02 | 2023-03-07 | Royal Bank Of Canada | Processing of electronic transactions |
| WO2017000061A1 (fr) * | 2015-07-02 | 2017-01-05 | Royal Bank Of Canada | Traitement sécurisé de paiements électroniques |
| US11308485B2 (en) | 2016-07-15 | 2022-04-19 | Paypal, Inc. | Processing a transaction using electronic tokens |
| EP3341904B1 (fr) * | 2015-08-25 | 2023-10-25 | PayPal, Inc. | Fournisseur de service de jeton destiné à des transactions de commerce mobile/électronique |
| US11308483B2 (en) | 2015-08-25 | 2022-04-19 | Paypal, Inc. | Token service provider for electronic/mobile commerce transactions |
| US20170161729A1 (en) * | 2015-12-07 | 2017-06-08 | Leadot Innovation, Inc. | Method of Exchanging Currencies Using an Offline Point of Sale Third Party Payment System and Internet-connected Mobile Computing Device |
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| CN117611331A (zh) * | 2016-02-23 | 2024-02-27 | 区块链控股有限公司 | 用于使用区块链在点对点分布式账簿上有效转移实体的方法及系统 |
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| KR20140038473A (ko) | 2014-03-28 |
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| AU2019232775A1 (en) | 2019-10-03 |
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| AU2023248078A1 (en) | 2023-11-02 |
| CA2837208A1 (fr) | 2012-12-06 |
| JP2018063729A (ja) | 2018-04-19 |
| JP2014519657A (ja) | 2014-08-14 |
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| CN106803176A (zh) | 2017-06-06 |
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| AU2023258434A1 (en) | 2023-11-23 |
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