EP3123426A4 - Secure offline payment system - Google Patents

Secure offline payment system Download PDF

Info

Publication number
EP3123426A4
EP3123426A4 EP15769698.0A EP15769698A EP3123426A4 EP 3123426 A4 EP3123426 A4 EP 3123426A4 EP 15769698 A EP15769698 A EP 15769698A EP 3123426 A4 EP3123426 A4 EP 3123426A4
Authority
EP
European Patent Office
Prior art keywords
payment system
offline payment
secure offline
secure
system
Prior art date
Legal status (The legal status 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 status listed.)
Withdrawn
Application number
EP15769698.0A
Other languages
German (de)
French (fr)
Other versions
EP3123426A1 (en
Inventor
Fan Jiang
Aneto Pablo OKONKWO
Erwin AITENBICHLER
Iyad ASSAD
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Google LLC
Original Assignee
Google LLC
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
Priority to US14/226,785 priority Critical patent/US20150278795A1/en
Priority to US14/226,798 priority patent/US20150278796A1/en
Application filed by Google LLC filed Critical Google LLC
Priority to PCT/US2015/022831 priority patent/WO2015148850A1/en
Publication of EP3123426A1 publication Critical patent/EP3123426A1/en
Publication of EP3123426A4 publication Critical patent/EP3123426A4/en
Application status is Withdrawn legal-status Critical

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/405Establishing or using transaction specific rules
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108Remote banking, e.g. home banking
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224Transactions dependent on location of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3272Short range or proximity payments by means of M-devices using an audio code
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821Electronic credentials
    • G06Q20/38215Use of certificates or encrypted proofs of transaction rights
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825Use of electronic signatures
EP15769698.0A 2014-03-26 2015-03-26 Secure offline payment system Withdrawn EP3123426A4 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
US14/226,785 US20150278795A1 (en) 2014-03-26 2014-03-26 Secure offline payment system
US14/226,798 US20150278796A1 (en) 2014-03-26 2014-03-26 Reserving account balance for concurrent payments in secure offline payment system
PCT/US2015/022831 WO2015148850A1 (en) 2014-03-26 2015-03-26 Secure offline payment system

Publications (2)

Publication Number Publication Date
EP3123426A1 EP3123426A1 (en) 2017-02-01
EP3123426A4 true EP3123426A4 (en) 2017-11-01

Family

ID=54196420

Family Applications (1)

Application Number Title Priority Date Filing Date
EP15769698.0A Withdrawn EP3123426A4 (en) 2014-03-26 2015-03-26 Secure offline payment system

Country Status (7)

Country Link
EP (1) EP3123426A4 (en)
JP (1) JP2017513122A (en)
KR (1) KR20160135799A (en)
CN (1) CN106133769A (en)
AU (2) AU2015235940A1 (en)
CA (1) CA2943810A1 (en)
WO (1) WO2015148850A1 (en)

Families Citing this family (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10192214B2 (en) 2013-03-11 2019-01-29 Google Llc Pending deposit for payment processing system
WO2017106472A1 (en) * 2015-12-17 2017-06-22 Mastercard International Incorporated Method and system for distribution, use and validation of electronic entitlement certificates
CN106940849A (en) * 2016-01-05 2017-07-11 阿里巴巴集团控股有限公司 Data interactive method and device, offline credit payment method and device
CN106997527A (en) * 2016-01-25 2017-08-01 阿里巴巴集团控股有限公司 Credit payment method and device based on mobile terminal P2P
EP3293686A1 (en) * 2016-09-07 2018-03-14 Mastercard International, Inc. Method and system for allowing offline peer-2-peer transactions using exchangeable provisioned tokens
CN106790527A (en) * 2016-12-20 2017-05-31 张峰 Accounts information processing method, system and terminal
CN106875179A (en) * 2017-02-03 2017-06-20 杭州小步科技有限公司 A kind of offline Quick Response Code method of payment and its system
WO2018151953A1 (en) * 2017-02-15 2018-08-23 Mastercard International Incorporated Offline transaction system and method
US20180260795A1 (en) * 2017-03-13 2018-09-13 Mastercard International Incorporated Method and system for accessing locally stored digital funds

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5694471A (en) * 1994-08-03 1997-12-02 V-One Corporation Counterfeit-proof identification card
EP1783623A1 (en) * 2004-07-22 2007-05-09 Matsushita Electric Industrial Co., Ltd. Electronic value, electronic purse device, and system for using the same
US8117453B2 (en) * 2005-11-23 2012-02-14 Proton World International N.V. Customization of an electronic circuit

Family Cites Families (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH09185658A (en) * 1995-12-27 1997-07-15 N T T Data Tsushin Kk Electronic cash dealing system
JP4338901B2 (en) * 2001-01-15 2009-10-07 株式会社エヌ・ティ・ティ・データ Mobile information transmission system and credit system
US20030125012A1 (en) * 2001-12-28 2003-07-03 Allen Lee S. Micro-credit certificate for access to services on heterogeneous access networks
JP2004355486A (en) * 2003-05-30 2004-12-16 Bank Of Tokyo-Mitsubishi Ltd Multi-functional ic card and ic card terminal
JP2004362332A (en) * 2003-06-05 2004-12-24 Bank Of Tokyo-Mitsubishi Ltd Ic card payment system
US20070168260A1 (en) * 2005-09-30 2007-07-19 Mastercard International Incorporated Payment apparatus and method
JP4923637B2 (en) * 2006-03-08 2012-04-25 日本電気株式会社 Electronic payment system, electronic payment method, electronic payment program, and recording medium
JP2010026811A (en) * 2008-07-18 2010-02-04 Fuji Electric Holdings Co Ltd Ic card service system, and service management center, service terminal and program therefor
US8341084B2 (en) * 2009-06-08 2012-12-25 Mastercard International Incorporated Method, apparatus, and computer program product for topping up prepaid payment cards for offline use
US9911154B2 (en) * 2010-07-08 2018-03-06 Mastercard International Incorporated Apparatus and method for dynamic offline balance management for preauthorized smart cards
US20130103523A1 (en) * 2011-10-24 2013-04-25 Aneto Pablo Okonkwo Transaction storage scheme for offline payment system
US20130185214A1 (en) * 2012-01-12 2013-07-18 Firethorn Mobile Inc. System and Method For Secure Offline Payment Transactions Using A Portable Computing Device
US8898088B2 (en) * 2012-02-29 2014-11-25 Google Inc. In-card access control and monotonic counters for offline payment processing system
JP2013186529A (en) * 2012-03-06 2013-09-19 Toppan Printing Co Ltd Settlement card management system and settlement card management method
JP2013186528A (en) * 2012-03-06 2013-09-19 Toppan Printing Co Ltd Settlement card management system, settlement card management method

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5694471A (en) * 1994-08-03 1997-12-02 V-One Corporation Counterfeit-proof identification card
EP1783623A1 (en) * 2004-07-22 2007-05-09 Matsushita Electric Industrial Co., Ltd. Electronic value, electronic purse device, and system for using the same
US8117453B2 (en) * 2005-11-23 2012-02-14 Proton World International N.V. Customization of an electronic circuit

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of WO2015148850A1 *

Also Published As

Publication number Publication date
WO2015148850A1 (en) 2015-10-01
EP3123426A1 (en) 2017-02-01
AU2018201795A1 (en) 2018-04-05
KR20160135799A (en) 2016-11-28
JP2017513122A (en) 2017-05-25
CA2943810A1 (en) 2015-10-01
CN106133769A (en) 2016-11-16
AU2015235940A1 (en) 2016-09-01

Similar Documents

Publication Publication Date Title
EP3120310A4 (en) Systems and methods for locally derived tokens
EP3143573A4 (en) Master applet for secure remote payment processing
PL3095034T3 (en) Cybersecurity system
EP3100557A4 (en) Systems and methods for dual-connectivity operation
EP3132622A4 (en) Interworking with bearer-based system
EP3215242A4 (en) Rider detection system
EP3171299A4 (en) Multi-smartcard
EP3146747A4 (en) Offline authentication
EP3239960A4 (en) Vehicle control system
EP3040826A4 (en) Smartphone
EP3111346A4 (en) Distributed processing system
EP3174787A4 (en) Propulsion system
EP3178265A4 (en) Systems and methods for dual-connectivity operation
EP3210146A4 (en) Security orchestration framework
EP3127420A4 (en) Cultivation system
EP3141051A4 (en) Systems and methods for dual-connectivity operation
EP3226856A4 (en) Combination therapies
EP3214914A4 (en) Agricultural system
EP3219050A4 (en) Manicoding for communication verification
EP3146140A4 (en) Bit retaining system
EP3100578A4 (en) Systems and methods for dual-connectivity operation
EP3214869A4 (en) Communication system
EP3163710A4 (en) Battery system
EP3101756A4 (en) Charging system
EP3214916A4 (en) Agricultural system

Legal Events

Date Code Title Description
17P Request for examination filed

Effective date: 20160922

AK Designated contracting states

Kind code of ref document: A1

Designated state(s): AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR

AV Request for validation of the european patent

Extension state: MA

AX Request for extension of the european patent to:

Extension state: BA ME

DAX Request for extension of the european patent (to any country) (deleted)
DAV Request for validation of the european patent (in any country) (deleted)
RIC1 Information provided on ipc code assigned before grant

Ipc: G06Q 20/20 20120101ALI20170925BHEP

Ipc: G06Q 20/40 20120101ALI20170925BHEP

Ipc: G06Q 20/32 20120101ALI20170925BHEP

Ipc: G06Q 20/10 20120101ALI20170925BHEP

Ipc: G06Q 20/38 20120101AFI20170925BHEP

A4 Supplementary search report drawn up and despatched

Effective date: 20170929

RAP1 Rights of an application transferred

Owner name: GOOGLE LLC

17Q First examination report despatched

Effective date: 20181120

18D Application deemed to be withdrawn

Effective date: 20190402