DK3416121T3 - Digital tegnebogs-app til betaling med mobiltelefon - Google Patents

Digital tegnebogs-app til betaling med mobiltelefon Download PDF

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Publication number
DK3416121T3
DK3416121T3 DK17305733.2T DK17305733T DK3416121T3 DK 3416121 T3 DK3416121 T3 DK 3416121T3 DK 17305733 T DK17305733 T DK 17305733T DK 3416121 T3 DK3416121 T3 DK 3416121T3
Authority
DK
Denmark
Prior art keywords
payment
mobile phone
digital wallet
wallet app
app
Prior art date
Application number
DK17305733.2T
Other languages
Danish (da)
English (en)
Inventor
Oleg Makhotin
Mehdi Elhaoussine
Original Assignee
Idemia France
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
Application filed by Idemia France filed Critical Idemia France
Application granted granted Critical
Publication of DK3416121T3 publication Critical patent/DK3416121T3/da

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Classifications

    • 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
    • G06Q20/08—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
    • G06Q20/322—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
    • G06Q20/30—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)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (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)
  • Telephonic Communication Services (AREA)
  • Mobile Radio Communication Systems (AREA)
DK17305733.2T 2017-06-15 2017-06-15 Digital tegnebogs-app til betaling med mobiltelefon DK3416121T3 (da)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
EP17305733.2A EP3416121B1 (en) 2017-06-15 2017-06-15 Digital wallet application for mobile payment

Publications (1)

Publication Number Publication Date
DK3416121T3 true DK3416121T3 (da) 2020-11-09

Family

ID=59215678

Family Applications (1)

Application Number Title Priority Date Filing Date
DK17305733.2T DK3416121T3 (da) 2017-06-15 2017-06-15 Digital tegnebogs-app til betaling med mobiltelefon

Country Status (14)

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

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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
US12501251B2 (en) 2022-12-01 2025-12-16 T-Mobile Usa, Inc. Smart suggestions 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
JP2026509033A (ja) * 2024-02-06 2026-03-17 シャンハイ・アント・チュアンジャン・インフォメーション・テクノロジー・カンパニー・リミテッド チェックアウトデバイス、チェックアウトアセンブリ、及びチェックアウト方法
TW202618638A (zh) * 2024-10-25 2026-05-01 澧達科技股份有限公司 行動支付方法與系統

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US6901429B2 (en) * 2000-10-27 2005-05-31 Eric Morgan Dowling Negotiated wireless peripheral security systems
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
US9691055B2 (en) * 2010-12-17 2017-06-27 Google Inc. Digital wallet
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EP2718886A4 (en) * 2011-06-07 2015-01-14 Visa Int Service Ass APPARATUSES, METHODS AND SYSTEMS FOR SEGMENTATION IN PAYMENT CONFIDENTIALITY UNITS
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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
US10366386B2 (en) 2013-09-12 2019-07-30 Paypal, Inc. Electronic wallet fund transfer system
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RU2013151507A (ru) 2013-11-19 2015-05-27 Александр Константинович Кириков Электронный кошелек
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Also Published As

Publication number Publication date
WO2018228794A1 (en) 2018-12-20
PT3416121T (pt) 2020-10-30
ES2830431T3 (es) 2021-06-03
KR102548694B1 (ko) 2023-06-28
AU2018283196B2 (en) 2024-05-02
AU2018283196A1 (en) 2020-01-02
US20200167760A1 (en) 2020-05-28
US12314928B2 (en) 2025-05-27
PL3639230T3 (pl) 2026-04-20
MX2019015197A (es) 2020-08-13
KR20200019707A (ko) 2020-02-24
JP2020523704A (ja) 2020-08-06
SG11201911981PA (en) 2020-01-30
BR112019026608A2 (pt) 2020-07-28
EP3416121B1 (en) 2020-08-19
RU2020100915A (ru) 2021-07-15
CN110998632B (zh) 2024-01-23
ES3061238T3 (en) 2026-03-31
RU2756989C2 (ru) 2021-10-08
EP3639230A1 (en) 2020-04-22
JP7265490B2 (ja) 2023-04-26
EP3639230B1 (en) 2025-12-03
RU2020100915A3 (enExample) 2021-07-15
EP3639230C0 (en) 2025-12-03
CA3066609A1 (en) 2018-12-20
EP3416121A1 (en) 2018-12-19
CN110998632A (zh) 2020-04-10

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