EA035549B1 - Система электронных платежей и способ их совершения - Google Patents
Система электронных платежей и способ их совершения Download PDFInfo
- Publication number
- EA035549B1 EA035549B1 EA201892669A EA201892669A EA035549B1 EA 035549 B1 EA035549 B1 EA 035549B1 EA 201892669 A EA201892669 A EA 201892669A EA 201892669 A EA201892669 A EA 201892669A EA 035549 B1 EA035549 B1 EA 035549B1
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- Eurasian Patent Office
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Classifications
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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
- G06Q20/08—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
- G06Q20/4012—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
- G06Q20/38—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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Economics (AREA)
- Development 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)
- User Interface Of Digital Computer (AREA)
- Catching Or Destruction (AREA)
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/IB2017/052793 WO2017221085A1 (en) | 2016-06-22 | 2017-05-12 | An electronic payment system and method thereof |
| IN201621021488A IN201621021488A (https=) | 2016-06-22 | 2017-05-12 |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| EA201892669A1 EA201892669A1 (ru) | 2019-04-30 |
| EA035549B1 true EA035549B1 (ru) | 2020-07-06 |
Family
ID=60784439
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| EA201892669A EA035549B1 (ru) | 2016-06-22 | 2017-05-12 | Система электронных платежей и способ их совершения |
Country Status (16)
| Country | Link |
|---|---|
| US (1) | US10902403B2 (https=) |
| EP (2) | EP4303797A1 (https=) |
| JP (1) | JP6811787B2 (https=) |
| KR (1) | KR102405042B1 (https=) |
| CN (1) | CN109196535B (https=) |
| AU (3) | AU2017283207A1 (https=) |
| BR (1) | BR112018076769A8 (https=) |
| CA (1) | CA3016381C (https=) |
| EA (1) | EA035549B1 (https=) |
| IL (1) | IL263763B2 (https=) |
| IN (1) | IN201621021488A (https=) |
| PH (1) | PH12019550003A1 (https=) |
| SG (1) | SG11201807324QA (https=) |
| UA (1) | UA128858C2 (https=) |
| WO (1) | WO2017221085A1 (https=) |
| ZA (1) | ZA201808106B (https=) |
Families Citing this family (33)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US10055727B2 (en) * | 2012-11-05 | 2018-08-21 | Mfoundry, Inc. | Cloud-based systems and methods for providing consumer financial data |
| US12299686B2 (en) * | 2014-04-23 | 2025-05-13 | Minkasu, Inc | Authenticating transactions using biometric authentication |
| 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 |
| US10997654B1 (en) | 2015-01-15 | 2021-05-04 | Wells Fargo Bank, N.A. | Identity verification services through external entities 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 |
| 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 |
| US11995619B1 (en) | 2017-12-28 | 2024-05-28 | Wells Fargo Bank, N.A. | Account open interfaces |
| 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 |
| 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 |
| US11093912B1 (en) | 2018-12-10 | 2021-08-17 | 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 |
| CA3131260A1 (en) * | 2019-02-28 | 2020-09-03 | National 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 |
| WO2022249023A1 (en) * | 2021-05-25 | 2022-12-01 | National Payments Corporation Of India | A system and method for facilitating rule-based partially online and offline payment transactions |
| SE2250076A1 (en) * | 2021-12-01 | 2023-06-02 | Crunchfish Digital Cash Ab | Computerized method and system for digital payments |
| EP4441683A4 (en) * | 2021-12-01 | 2025-07-30 | Crunchfish Digital Cash Ab | COMPUTERIZED METHOD AND SYSTEM FOR DIGITAL PAYMENTS |
| US12443957B2 (en) * | 2021-12-23 | 2025-10-14 | Srinivas Vadhri | Payment systems and methods |
| 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 |
| US20240378586A1 (en) * | 2023-05-11 | 2024-11-14 | Block, Inc. | Dynamic user interfaces and operational flows |
Family Cites Families (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| EP1129392A4 (en) * | 1998-11-09 | 2004-06-30 | Onecore Financial Network Inc | SYSTEMS AND METHODS FOR EXECUTING AN INTEGRATED FIANCIAL TRANSACTION |
| CN1296846C (zh) * | 1999-08-27 | 2007-01-24 | 索尼公司 | 信息发送系统、发送装置和发送方法与信息接收系统、接收装置和接收方法 |
| KR20060069449A (ko) * | 2006-02-07 | 2006-06-21 | 페이쿨 인터내셔널 리미티드 | 무선 통신 네트워크를 통한 금융 거래의 확인 방법 |
| US8301500B2 (en) * | 2008-04-02 | 2012-10-30 | Global 1 Enterprises | Ghosting payment account data in a mobile telephone payment transaction system |
| CN101950451A (zh) * | 2010-08-19 | 2011-01-19 | 中国民生银行股份有限公司 | 银行账户间收付款处理方法及系统 |
| EP2646959A4 (en) * | 2010-11-30 | 2015-05-06 | Ebay Inc | REAL-TIME PAYMENTS VIA FINANCIAL ORGANIZATION |
| EP2659443A1 (en) * | 2010-12-27 | 2013-11-06 | Mehrak Hamzeh | Mobile payment system and method |
| CN103765454B (zh) | 2011-06-07 | 2018-02-27 | 维萨国际服务协会 | 支付隐私令牌化装置、方法和系统 |
| US8700527B2 (en) * | 2011-07-14 | 2014-04-15 | Bank Of America Corporation | Merchant bill pay |
| CN103177360A (zh) * | 2011-12-21 | 2013-06-26 | 中国银联股份有限公司 | 一种基于统一个人信息的支付系统和方法 |
| AU2015259162B2 (en) | 2014-05-13 | 2020-08-13 | Visa International Service Association | Master applet for secure remote payment processing |
| CN104966199B (zh) * | 2014-11-27 | 2017-04-12 | 深圳市腾讯计算机系统有限公司 | 一种数据处理方法、客户端及支付平台 |
-
2017
- 2017-05-12 IN IN201621021488A patent/IN201621021488A/en unknown
- 2017-05-12 EP EP23170856.1A patent/EP4303797A1/en active Pending
- 2017-05-12 UA UAA201900002A patent/UA128858C2/uk unknown
- 2017-05-12 US US16/307,367 patent/US10902403B2/en active Active
- 2017-05-12 WO PCT/IB2017/052793 patent/WO2017221085A1/en not_active Ceased
- 2017-05-12 CN CN201780033111.4A patent/CN109196535B/zh active Active
- 2017-05-12 EP EP17814835.9A patent/EP3411841A4/en not_active Withdrawn
- 2017-05-12 AU AU2017283207A patent/AU2017283207A1/en not_active Abandoned
- 2017-05-12 CA CA3016381A patent/CA3016381C/en active Active
- 2017-05-12 JP JP2018555764A patent/JP6811787B2/ja active Active
- 2017-05-12 KR KR1020187035136A patent/KR102405042B1/ko active Active
- 2017-05-12 BR BR112018076769A patent/BR112018076769A8/pt not_active Application Discontinuation
- 2017-05-12 EA EA201892669A patent/EA035549B1/ru unknown
- 2017-05-12 SG SG11201807324QA patent/SG11201807324QA/en unknown
-
2018
- 2018-11-29 ZA ZA2018/08106A patent/ZA201808106B/en unknown
- 2018-12-17 IL IL263763A patent/IL263763B2/en unknown
-
2019
- 2019-01-03 PH PH12019550003A patent/PH12019550003A1/en unknown
-
2023
- 2023-05-18 AU AU2023203106A patent/AU2023203106A1/en not_active Abandoned
-
2025
- 2025-04-11 AU AU2025202579A patent/AU2025202579A1/en active Pending
Non-Patent Citations (1)
| Title |
|---|
| "Unified Payment Interface: API and Technology Specifications - Version 1.0" (NPCI), 15 April 2015 (15-04-2015), URL: http://npci.org.in/documents/Technical_Specifications.pdf, (retrieved on 08-06-2017), Chapters 1-4, Pages 5-32; Figures 4.1, 4.2 * |
Also Published As
| Publication number | Publication date |
|---|---|
| PH12019550003A1 (en) | 2019-07-24 |
| ZA201808106B (en) | 2019-08-28 |
| SG11201807324QA (en) | 2018-09-27 |
| JP2019522833A (ja) | 2019-08-15 |
| JP6811787B2 (ja) | 2021-01-13 |
| BR112018076769A8 (pt) | 2023-04-18 |
| IL263763B (en) | 2022-10-01 |
| EP4303797A1 (en) | 2024-01-10 |
| BR112018076769A2 (pt) | 2019-04-02 |
| CN109196535B (zh) | 2023-07-07 |
| AU2023203106A1 (en) | 2023-06-08 |
| AU2025202579A1 (en) | 2025-05-01 |
| EA201892669A1 (ru) | 2019-04-30 |
| KR102405042B1 (ko) | 2022-06-07 |
| CA3016381C (en) | 2023-02-28 |
| KR20190021222A (ko) | 2019-03-05 |
| US20190303910A1 (en) | 2019-10-03 |
| IN201621021488A (https=) | 2017-12-29 |
| EP3411841A4 (en) | 2019-10-16 |
| UA128858C2 (uk) | 2024-11-13 |
| IL263763B2 (en) | 2023-02-01 |
| EP3411841A1 (en) | 2018-12-12 |
| CA3016381A1 (en) | 2017-12-28 |
| US10902403B2 (en) | 2021-01-26 |
| IL263763A (en) | 2019-01-31 |
| WO2017221085A1 (en) | 2017-12-28 |
| CN109196535A (zh) | 2019-01-11 |
| AU2017283207A1 (en) | 2018-09-20 |
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