CN110998632B - 用于移动支付的数字钱包应用 - Google Patents

用于移动支付的数字钱包应用 Download PDF

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Publication number
CN110998632B
CN110998632B CN201880048432.6A CN201880048432A CN110998632B CN 110998632 B CN110998632 B CN 110998632B CN 201880048432 A CN201880048432 A CN 201880048432A CN 110998632 B CN110998632 B CN 110998632B
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China
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roaming
payment
mobile device
mobile
payment network
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CN201880048432.6A
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Chinese (zh)
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CN110998632A (zh
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M·O·马霍京
M·M·艾尔侯赛因
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Idemia France SAS
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Idemia France SAS
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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
    • G06Q20/30—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 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]
    • G06Q20/3224—Transactions dependent on location of 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
    • G06Q20/08—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 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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • 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
    • G06Q20/30—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
    • G06Q20/3672—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 initialising or reloading 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
    • G06Q20/38—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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/60—Context-dependent security
    • H04W12/63—Location-dependent; Proximity-dependent
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/02—Services making use of location information
    • H04W4/029—Location-based management or tracking services
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/20—Services signaling; Auxiliary data signalling, i.e. transmitting data via a non-traffic channel
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/50—Service provisioning or reconfiguring
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/25—Integrating or interfacing systems involving database management systems
    • G06F16/252—Integrating or interfacing systems involving database management systems between a Database Management System and a front-end application
    • 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
    • G06Q2220/00—Business processing using cryptography
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W84/00—Network topologies
    • H04W84/02—Hierarchically pre-organised networks, e.g. paging networks, cellular networks, WLAN [Wireless Local Area Network] or WLL [Wireless Local Loop]
    • H04W84/04—Large scale networks; Deep hierarchical networks
    • H04W84/042—Public Land Mobile systems, e.g. cellular systems

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Networks & Wireless Communication (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)
  • Signal Processing (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Telephonic Communication Services (AREA)
CN201880048432.6A 2017-06-15 2018-05-24 用于移动支付的数字钱包应用 Active CN110998632B (zh)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
EP17305733.2A EP3416121B1 (en) 2017-06-15 2017-06-15 Digital wallet application for mobile payment
EP17305733.2 2017-06-15
PCT/EP2018/063693 WO2018228794A1 (en) 2017-06-15 2018-05-24 Digital wallet application for mobile payment

Publications (2)

Publication Number Publication Date
CN110998632A CN110998632A (zh) 2020-04-10
CN110998632B true CN110998632B (zh) 2024-01-23

Family

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Application Number Title Priority Date Filing Date
CN201880048432.6A Active CN110998632B (zh) 2017-06-15 2018-05-24 用于移动支付的数字钱包应用

Country Status (14)

Country Link
US (1) US12314928B2 (https=)
EP (2) EP3416121B1 (https=)
JP (1) JP7265490B2 (https=)
KR (1) KR102548694B1 (https=)
CN (1) CN110998632B (https=)
AU (1) AU2018283196B2 (https=)
DK (1) DK3416121T3 (https=)
ES (2) ES2830431T3 (https=)
MX (1) MX2019015197A (https=)
PL (1) PL3639230T3 (https=)
PT (1) PT3416121T (https=)
RU (1) RU2756989C2 (https=)
SG (1) SG11201911981PA (https=)
WO (1) WO2018228794A1 (https=)

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US11989774B1 (en) 2017-11-20 2024-05-21 Wells Fargo Bank, N.A. Systems and methods for providing digital trusted data
US20190362339A1 (en) * 2018-05-25 2019-11-28 Mastercard International Incorporated Methods and systems for facilitating payment transaction using a preferred digital wallet application
KR102536948B1 (ko) * 2018-10-29 2023-05-25 삼성전자주식회사 Ssp의 번들을 관리하는 방법 및 장치
US10438437B1 (en) * 2019-03-20 2019-10-08 Capital One Services, Llc Tap to copy data to clipboard via NFC
CN111510862B (zh) * 2020-04-24 2021-09-21 支付宝(杭州)信息技术有限公司 一种终端区域定位方法、装置及电子设备
US12211033B1 (en) 2021-02-23 2025-01-28 Wells Fargo Bank, N.A. Dynamic account status indicator via server-to-device secure data exchange
US12452640B2 (en) 2022-12-01 2025-10-21 T-Mobile Usa, Inc. Automated audits relating to network configuration updates in response to roaming partner updates
WO2025080261A1 (en) * 2023-10-09 2025-04-17 Visa International Service Association Payments with automated merchant detection

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CN101646153A (zh) * 2009-09-03 2010-02-10 中兴通讯股份有限公司 支持漫游用户的移动电话支付系统、方法及相关装置
CN104376459A (zh) * 2013-08-12 2015-02-25 黄金富知识产权咨询(深圳)有限公司 一种双卡双待无线pos机和相应支付系统
CN106447321A (zh) * 2015-08-13 2017-02-22 Lg电子株式会社 移动终端
CN106485486A (zh) * 2015-08-28 2017-03-08 三星电子株式会社 电子设备的支付信息处理方法和装置

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CN104376459A (zh) * 2013-08-12 2015-02-25 黄金富知识产权咨询(深圳)有限公司 一种双卡双待无线pos机和相应支付系统
CN106447321A (zh) * 2015-08-13 2017-02-22 Lg电子株式会社 移动终端
CN106485486A (zh) * 2015-08-28 2017-03-08 三星电子株式会社 电子设备的支付信息处理方法和装置

Also Published As

Publication number Publication date
EP3639230B1 (en) 2025-12-03
ES2830431T3 (es) 2021-06-03
EP3416121A1 (en) 2018-12-19
ES3061238T3 (en) 2026-03-31
SG11201911981PA (en) 2020-01-30
PT3416121T (pt) 2020-10-30
WO2018228794A1 (en) 2018-12-20
US20200167760A1 (en) 2020-05-28
DK3416121T3 (da) 2020-11-09
EP3639230A1 (en) 2020-04-22
RU2020100915A3 (https=) 2021-07-15
MX2019015197A (es) 2020-08-13
KR20200019707A (ko) 2020-02-24
JP7265490B2 (ja) 2023-04-26
KR102548694B1 (ko) 2023-06-28
JP2020523704A (ja) 2020-08-06
CA3066609A1 (en) 2018-12-20
PL3639230T3 (pl) 2026-04-20
RU2020100915A (ru) 2021-07-15
CN110998632A (zh) 2020-04-10
EP3639230C0 (en) 2025-12-03
RU2756989C2 (ru) 2021-10-08
AU2018283196A1 (en) 2020-01-02
AU2018283196B2 (en) 2024-05-02
BR112019026608A2 (pt) 2020-07-28
US12314928B2 (en) 2025-05-27
EP3416121B1 (en) 2020-08-19

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