CN106133769A - 安全离线支付系统 - Google Patents

安全离线支付系统 Download PDF

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Publication number
CN106133769A
CN106133769A CN201580016338.9A CN201580016338A CN106133769A CN 106133769 A CN106133769 A CN 106133769A CN 201580016338 A CN201580016338 A CN 201580016338A CN 106133769 A CN106133769 A CN 106133769A
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CN
China
Prior art keywords
user
mobile communications
communications device
electronic payment
businessman
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
Application number
CN201580016338.9A
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English (en)
Chinese (zh)
Inventor
江帆
阿内托·帕布洛·奥孔库沃
埃尔温·艾滕比希勒
伊亚德·阿萨德
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Google LLC
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Google LLC
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
Priority claimed from US14/226,798 external-priority patent/US20150278796A1/en
Priority claimed from US14/226,785 external-priority patent/US20150278795A1/en
Application filed by Google LLC filed Critical Google LLC
Publication of CN106133769A publication Critical patent/CN106133769A/zh
Pending legal-status Critical Current

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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
    • G06Q20/38—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
    • 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
    • G06Q20/30—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]
    • G06Q20/3224—Transactions dependent on location of 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
    • G06Q20/327—Short range or proximity payments by means of 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
    • 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of 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
    • G06Q20/36—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
    • G06Q20/30—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
    • G06Q20/3678—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 e-cash details, e.g. blinded, divisible or detecting double spending
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • 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
    • G06Q20/4033—Local solvency checks
CN201580016338.9A 2014-03-26 2015-03-26 安全离线支付系统 Pending CN106133769A (zh)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US14/226,798 US20150278796A1 (en) 2014-03-26 2014-03-26 Reserving account balance for concurrent payments in secure offline payment system
US14/226,798 2014-03-26
US14/226,785 2014-03-26
US14/226,785 US20150278795A1 (en) 2014-03-26 2014-03-26 Secure offline payment system
PCT/US2015/022831 WO2015148850A1 (fr) 2014-03-26 2015-03-26 Système de paiement hors ligne sécurisé

Publications (1)

Publication Number Publication Date
CN106133769A true CN106133769A (zh) 2016-11-16

Family

ID=54196420

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201580016338.9A Pending CN106133769A (zh) 2014-03-26 2015-03-26 安全离线支付系统

Country Status (7)

Country Link
EP (1) EP3123426A4 (fr)
JP (1) JP2017513122A (fr)
KR (1) KR20160135799A (fr)
CN (1) CN106133769A (fr)
AU (2) AU2015235940A1 (fr)
CA (1) CA2943810A1 (fr)
WO (1) WO2015148850A1 (fr)

Cited By (7)

* Cited by examiner, † Cited by third party
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CN106790527A (zh) * 2016-12-20 2017-05-31 张峰 账户信息处理方法、系统和终端
CN106875179A (zh) * 2017-02-03 2017-06-20 杭州小步科技有限公司 一种离线二维码支付方法及其系统
CN108205755A (zh) * 2016-12-19 2018-06-26 北京握奇智能科技有限公司 一种电子支付系统及方法
CN108460593A (zh) * 2017-11-01 2018-08-28 福建博思软件股份有限公司 一种离线二维码支付方法及装置
CN110023980A (zh) * 2016-12-02 2019-07-16 谷歌有限责任公司 显示交互后动画的图形用户界面
CN110610367A (zh) * 2019-08-29 2019-12-24 深圳市元征科技股份有限公司 一种交易数据支付方法及装置、电子设备和服务器
CN110880106A (zh) * 2019-10-30 2020-03-13 支付宝(杭州)信息技术有限公司 双离线支付的实现方法和装置

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US20230196328A1 (en) * 2013-02-14 2023-06-22 Advanced New Technologies Co., Ltd. Data interaction method and device, and offline credit payment method and device
US10192214B2 (en) 2013-03-11 2019-01-29 Google Llc Pending deposit for payment processing system
WO2017106472A1 (fr) * 2015-12-17 2017-06-22 Mastercard International Incorporated Procédé et système de distribution, utilisation et validation de certificats d'habilitation électroniques
CN106997529B (zh) 2016-01-25 2021-12-24 创新先进技术有限公司 基于移动终端eSE的信用支付方法及装置
CN106997527A (zh) * 2016-01-25 2017-08-01 阿里巴巴集团控股有限公司 基于移动终端p2p的信用支付方法及装置
CN115719224A (zh) 2016-01-25 2023-02-28 创新先进技术有限公司 基于移动终端卡模拟的信用支付方法及装置
US11354658B2 (en) * 2016-02-11 2022-06-07 Mastercard International Incorporated Method and system for offline blockchain exchanges
EP3293686A1 (fr) * 2016-09-07 2018-03-14 Mastercard International, Inc. Procédé et système d'autorisation de transactions entre 2 postes hors ligne au moyen de jetons approvisionnés échangeables
WO2018151953A1 (fr) * 2017-02-15 2018-08-23 Mastercard International Incorporated Système et procédé de transaction hors ligne
US20180260795A1 (en) * 2017-03-13 2018-09-13 Mastercard International Incorporated Method and system for accessing locally stored digital funds
CN107665427A (zh) * 2017-08-22 2018-02-06 阿里巴巴集团控股有限公司 一种离线支付、业务处理、支付处理的方法及装置
US10834269B2 (en) 2018-10-02 2020-11-10 International Business Machines Corporation Specialized secondary compartment in a mobile device
US11030610B2 (en) 2018-10-02 2021-06-08 International Business Machines Corporation Preauthorization of mobile payments expected in a reduced-functionality state
SG11202109372WA (en) * 2019-06-10 2021-09-29 Visa Int Service Ass System, method, and computer program product for exchanging transaction data
CN112241879A (zh) * 2019-07-17 2021-01-19 天地融科技股份有限公司 一种基于电子现金的脱机交易方法和系统
JP6896813B2 (ja) * 2019-08-30 2021-06-30 株式会社日立製作所 トランザクション実行方法およびシステム
JP7075917B2 (ja) * 2019-10-18 2022-05-26 真敬 森下 管理装置、管理プログラム、管理方法、端末装置、及び管理システム
SE1951426A1 (en) * 2019-12-11 2021-06-12 Trust Anchor Group Ipr Ab Method for performing an offline transaction
WO2021154136A1 (fr) * 2020-01-29 2021-08-05 Crunchfish Digital Cash Ab Procédé, système, dispositifs et produits programmes informatiques permettant de gérer des paiements numériques entre des payeurs et des bénéficiaires se trouvant à proximité physique l'un de l'autre
BR112023016194A2 (pt) * 2021-02-12 2024-03-12 Crunchfish Digital Cash Ab Interoperabilidade de provedor de serviços de pagamento para pagamentos digitais
SE544227C2 (en) * 2021-02-12 2022-03-08 Crunchfish Digital Cash Ab Payment service provider interoperability for offline digital payments
WO2022216216A1 (fr) * 2021-04-08 2022-10-13 Crunchfish Digital Cash Ab Procédé et système de paiements par carte électronique hors ligne
WO2022231471A1 (fr) * 2021-04-28 2022-11-03 Акционерное общество "Национальная система платежных карт" Système et procédé de transfert sans numéraire de pourboires
CN113850579A (zh) * 2021-09-27 2021-12-28 支付宝(杭州)信息技术有限公司 一种离线支付的授权、离线支付、收款方法及装置
FR3130055A1 (fr) * 2021-12-02 2023-06-09 Banks And Acquirers International Holding Procédé de réalisation d’une transaction, dispositifs et programmes correspondants.

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Cited By (10)

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Publication number Priority date Publication date Assignee Title
CN110023980A (zh) * 2016-12-02 2019-07-16 谷歌有限责任公司 显示交互后动画的图形用户界面
CN108205755A (zh) * 2016-12-19 2018-06-26 北京握奇智能科技有限公司 一种电子支付系统及方法
CN106790527A (zh) * 2016-12-20 2017-05-31 张峰 账户信息处理方法、系统和终端
CN106875179A (zh) * 2017-02-03 2017-06-20 杭州小步科技有限公司 一种离线二维码支付方法及其系统
CN106875179B (zh) * 2017-02-03 2020-12-08 杭州小步科技有限公司 一种离线二维码支付方法及其系统
CN108460593A (zh) * 2017-11-01 2018-08-28 福建博思软件股份有限公司 一种离线二维码支付方法及装置
CN108460593B (zh) * 2017-11-01 2022-09-20 福建博思软件股份有限公司 一种离线二维码支付方法及装置
CN110610367A (zh) * 2019-08-29 2019-12-24 深圳市元征科技股份有限公司 一种交易数据支付方法及装置、电子设备和服务器
CN110610367B (zh) * 2019-08-29 2023-09-05 深圳市元征科技股份有限公司 一种交易数据支付方法及装置、电子设备和服务器
CN110880106A (zh) * 2019-10-30 2020-03-13 支付宝(杭州)信息技术有限公司 双离线支付的实现方法和装置

Also Published As

Publication number Publication date
CA2943810A1 (fr) 2015-10-01
AU2018201795A1 (en) 2018-04-05
WO2015148850A1 (fr) 2015-10-01
JP2017513122A (ja) 2017-05-25
EP3123426A4 (fr) 2017-11-01
AU2015235940A1 (en) 2016-09-01
KR20160135799A (ko) 2016-11-28
EP3123426A1 (fr) 2017-02-01

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