CN109196535B - 电子支付系统及其方法 - Google Patents

电子支付系统及其方法 Download PDF

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Publication number
CN109196535B
CN109196535B CN201780033111.4A CN201780033111A CN109196535B CN 109196535 B CN109196535 B CN 109196535B CN 201780033111 A CN201780033111 A CN 201780033111A CN 109196535 B CN109196535 B CN 109196535B
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user
registered
psps
payment
registered user
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CN109196535A (zh
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迪利普·阿斯贝
纳拉亚南·拉延德兰
萨泰什·帕拉吉里
阿努巴夫·夏尔马
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National Payments Corporation of India
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    • 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
    • G06Q20/08—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
    • G06Q20/38—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
    • 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

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  • 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)
CN201780033111.4A 2016-06-22 2017-05-12 电子支付系统及其方法 Active CN109196535B (zh)

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
CN109196535A CN109196535A (zh) 2019-01-11
CN109196535B true CN109196535B (zh) 2023-07-07

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CN201780033111.4A Active CN109196535B (zh) 2016-06-22 2017-05-12 电子支付系统及其方法

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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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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
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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
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Also Published As

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JP2019522833A (ja) 2019-08-15
EP3411841A4 (en) 2019-10-16
EP4303797A1 (en) 2024-01-10
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
CA3016381C (en) 2023-02-28
WO2017221085A1 (en) 2017-12-28
IN201621021488A (enExample) 2017-12-29
KR20190021222A (ko) 2019-03-05
KR102405042B1 (ko) 2022-06-07

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