CN111386527B - 支付方式和流程 - Google Patents

支付方式和流程 Download PDF

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Publication number
CN111386527B
CN111386527B CN201880076206.9A CN201880076206A CN111386527B CN 111386527 B CN111386527 B CN 111386527B CN 201880076206 A CN201880076206 A CN 201880076206A CN 111386527 B CN111386527 B CN 111386527B
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China
Prior art keywords
reader
payment
data
customer
magnetic field
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CN201880076206.9A
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English (en)
Chinese (zh)
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CN111386527A (zh
Inventor
L·赫尔伯特
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International Business Machines Corp
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International Business Machines Corp
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Publication of CN111386527A publication Critical patent/CN111386527A/zh
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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
    • G06Q20/30—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 OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
    • G06F21/6209—Protecting access to data via a platform, e.g. using keys or access control rules to a single file or object, e.g. in a secure envelope, encrypted and accessed using a key, or with access control rules appended to the object itself
    • G—PHYSICS
    • G01—MEASURING; TESTING
    • G01R—MEASURING ELECTRIC VARIABLES; MEASURING MAGNETIC VARIABLES
    • G01R33/00—Arrangements or instruments for measuring magnetic variables
    • G01R33/02—Measuring direction or magnitude of magnetic fields or magnetic flux
    • G—PHYSICS
    • G01—MEASURING; TESTING
    • G01R—MEASURING ELECTRIC VARIABLES; MEASURING MAGNETIC VARIABLES
    • G01R33/00—Arrangements or instruments for measuring magnetic variables
    • G01R33/02—Measuring direction or magnitude of magnetic fields or magnetic flux
    • G01R33/06—Measuring direction or magnitude of magnetic fields or magnetic flux using galvano-magnetic devices
    • G01R33/07—Hall effect devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/44—Program or device authentication
    • 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
    • G06Q20/327—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 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
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/0036—Checkout procedures
    • G07G1/0045—Checkout procedures with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader
    • G07G1/009—Checkout procedures with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader the reader being an RFID reader

Landscapes

  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • General Engineering & Computer Science (AREA)
  • Software Systems (AREA)
  • Computer Hardware Design (AREA)
  • Condensed Matter Physics & Semiconductors (AREA)
  • Health & Medical Sciences (AREA)
  • Bioethics (AREA)
  • General Health & Medical Sciences (AREA)
  • Finance (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
CN201880076206.9A 2017-12-08 2018-11-30 支付方式和流程 Active CN111386527B (zh)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
GB1720497.5 2017-12-08
GBGB1720497.5A GB201720497D0 (en) 2017-12-08 2017-12-08 Process
PCT/IB2018/059517 WO2019111119A1 (en) 2017-12-08 2018-11-30 Payment device and process

Publications (2)

Publication Number Publication Date
CN111386527A CN111386527A (zh) 2020-07-07
CN111386527B true CN111386527B (zh) 2024-03-01

Family

ID=61007007

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201880076206.9A Active CN111386527B (zh) 2017-12-08 2018-11-30 支付方式和流程

Country Status (6)

Country Link
US (2) US11756023B2 (https=)
JP (1) JP7252693B2 (https=)
CN (1) CN111386527B (https=)
DE (1) DE112018006260T5 (https=)
GB (2) GB201720497D0 (https=)
WO (1) WO2019111119A1 (https=)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
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GB201720497D0 (en) 2017-12-08 2018-01-24 Ibm Process
JP7214482B2 (ja) * 2019-01-10 2023-01-30 東芝テック株式会社 読取装置、及びプログラム
CN112464206B (zh) * 2020-11-23 2023-06-13 支付宝（中国）网络技术有限公司 数据反馈系统和方法以及信息识别方法和系统
CN114693293B (zh) * 2022-03-25 2026-01-13 中国银联股份有限公司 在智能设备中执行的被扫支付方法以及被扫支付设备

Citations (6)

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CN101859465A (zh) * 2009-04-07 2010-10-13 索尼公司 信息处理设备和方法、通信设备和方法以及信息处理系统
CN104272332A (zh) * 2011-12-19 2015-01-07 希昆软件公司 用于便携式通信设备中动态临时支付授权的系统和方法
CN105493116A (zh) * 2013-05-15 2016-04-13 维萨国际服务协会 用于提供支付凭证的方法和系统
KR101773924B1 (ko) * 2017-02-03 2017-09-01 디에이치이노시스 주식회사 전자영수증 및 전자처방전 자동 발급 시스템 및 방법
CN107194689A (zh) * 2017-06-16 2017-09-22 南京维智感网络科技有限公司 基于近场磁通信与接近关系检测的手机支付系统与方法
CN107209974A (zh) * 2014-02-28 2017-09-26 亚皮特尔金融公司 利用移动支付的自助结账

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CN101859465A (zh) * 2009-04-07 2010-10-13 索尼公司 信息处理设备和方法、通信设备和方法以及信息处理系统
CN104272332A (zh) * 2011-12-19 2015-01-07 希昆软件公司 用于便携式通信设备中动态临时支付授权的系统和方法
CN105493116A (zh) * 2013-05-15 2016-04-13 维萨国际服务协会 用于提供支付凭证的方法和系统
CN107209974A (zh) * 2014-02-28 2017-09-26 亚皮特尔金融公司 利用移动支付的自助结账
KR101773924B1 (ko) * 2017-02-03 2017-09-01 디에이치이노시스 주식회사 전자영수증 및 전자처방전 자동 발급 시스템 및 방법
CN107194689A (zh) * 2017-06-16 2017-09-22 南京维智感网络科技有限公司 基于近场磁通信与接近关系检测的手机支付系统与方法

Also Published As

Publication number Publication date
US20200364692A1 (en) 2020-11-19
GB2581764A (en) 2020-08-26
DE112018006260T5 (de) 2020-09-24
GB2581764B (en) 2021-01-27
GB202010159D0 (en) 2020-08-19
WO2019111119A1 (en) 2019-06-13
JP7252693B2 (ja) 2023-04-05
JP2021505987A (ja) 2021-02-18
CN111386527A (zh) 2020-07-07
GB201720497D0 (en) 2018-01-24
US11756023B2 (en) 2023-09-12
US20230376931A1 (en) 2023-11-23

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