EP3427212A4 - Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments - Google Patents

Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments Download PDF

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Publication number
EP3427212A4
EP3427212A4 EP17762362.6A EP17762362A EP3427212A4 EP 3427212 A4 EP3427212 A4 EP 3427212A4 EP 17762362 A EP17762362 A EP 17762362A EP 3427212 A4 EP3427212 A4 EP 3427212A4
Authority
EP
European Patent Office
Prior art keywords
systems
methods
devices
processing
data sets
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.)
Ceased
Application number
EP17762362.6A
Other languages
German (de)
French (fr)
Other versions
EP3427212A1 (en
Inventor
Edison U. Ortiz
Terry W. Lee
Marko Pavlovic
Arnold Badal-Badalian
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.)
Royal Bank of Canada
Original Assignee
Royal Bank of Canada
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 Royal Bank of Canada filed Critical Royal Bank of Canada
Priority to EP22173329.8A priority Critical patent/EP4102434A1/en
Publication of EP3427212A1 publication Critical patent/EP3427212A1/en
Publication of EP3427212A4 publication Critical patent/EP3427212A4/en
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Information Retrieval, Db Structures And Fs Structures Therefor (AREA)
EP17762362.6A 2016-03-08 2017-03-08 Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments Ceased EP3427212A4 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP22173329.8A EP4102434A1 (en) 2016-03-08 2017-03-08 Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201662305429P 2016-03-08 2016-03-08
PCT/CA2017/000050 WO2017152265A1 (en) 2016-03-08 2017-03-09 Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments

Related Child Applications (1)

Application Number Title Priority Date Filing Date
EP22173329.8A Division EP4102434A1 (en) 2016-03-08 2017-03-08 Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments

Publications (2)

Publication Number Publication Date
EP3427212A1 EP3427212A1 (en) 2019-01-16
EP3427212A4 true EP3427212A4 (en) 2019-10-23

Family

ID=59789362

Family Applications (2)

Application Number Title Priority Date Filing Date
EP22173329.8A Pending EP4102434A1 (en) 2016-03-08 2017-03-08 Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments
EP17762362.6A Ceased EP3427212A4 (en) 2016-03-08 2017-03-08 Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments

Family Applications Before (1)

Application Number Title Priority Date Filing Date
EP22173329.8A Pending EP4102434A1 (en) 2016-03-08 2017-03-08 Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments

Country Status (5)

Country Link
EP (2) EP4102434A1 (en)
CN (1) CN109313762B (en)
AU (2) AU2017231106B2 (en)
CA (1) CA3017026A1 (en)
WO (1) WO2017152265A1 (en)

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102286388B1 (en) 2012-09-12 2021-08-04 아이이엑스 그룹, 인크. Transmission latency leveling apparatuses, methods and systems
SG11201608606WA (en) 2014-04-16 2016-11-29 Iex Group Inc Systems and methods for providing up-to-date information for transactions
JP6655606B2 (en) 2014-08-22 2020-02-26 アイイーエックス グループ，インコーポレーテッド Dynamic peg order in electronic trading system
US10706470B2 (en) 2016-12-02 2020-07-07 Iex Group, Inc. Systems and methods for processing full or partially displayed dynamic peg orders in an electronic trading system
US10311515B2 (en) 2014-09-17 2019-06-04 Iex Group, Inc. System and method for a semi-lit market
WO2018044334A1 (en) 2016-09-02 2018-03-08 Iex Group. Inc. System and method for creating time-accurate event streams
CN109872223B (en) * 2019-02-12 2021-05-28 百度在线网络技术（北京）有限公司 Virtual article transaction method, device, equipment and storage medium
KR102124869B1 (en) * 2019-07-23 2020-06-19 주식회사 코인트래빗 Currency Exchanging Method and Currency Exchanging System
WO2021040904A1 (en) * 2019-08-27 2021-03-04 Mastercard International Incorporated Methods, systems and computer program products for prepayment towards goods or services at point-of-sale terminals
CN113126996B (en) * 2019-12-31 2023-10-20 华控清交信息科技(北京)有限公司 Code auditing method, device and system
CN112801658B (en) 2020-07-31 2022-04-22 支付宝(杭州)信息技术有限公司 Cross-border resource transfer authenticity auditing method and device and electronic equipment
US11537455B2 (en) 2021-01-11 2022-12-27 Iex Group, Inc. Schema management using an event stream

Family Cites Families (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20110166992A1 (en) * 2010-01-06 2011-07-07 Firethorn Holdings, Llc System and method for creating and managing a stored value account associated with a client unique identifier
KR20140038473A (en) * 2011-05-31 2014-03-28 블랙호크 네트워크, 아이엔씨. A system for payment via electronic wallet
US20130060708A1 (en) * 2011-09-06 2013-03-07 Rawllin International Inc. User verification for electronic money transfers
US20130185214A1 (en) * 2012-01-12 2013-07-18 Firethorn Mobile Inc. System and Method For Secure Offline Payment Transactions Using A Portable Computing Device
US20130268440A1 (en) * 2012-03-14 2013-10-10 Doing Good Better, Llc Gift Transaction Processing System and Method
US20130339188A1 (en) * 2012-06-18 2013-12-19 Ebay Inc. Gift token
EP2701415A1 (en) * 2012-08-24 2014-02-26 Raja Kuppuswamy Mobile electronic device and use thereof for electronic transactions
US20140074701A1 (en) * 2012-09-13 2014-03-13 Bank Of America Corporation Physical-virtual gifting via online billpay
US11080701B2 (en) 2015-07-02 2021-08-03 Royal Bank Of Canada Secure processing of electronic payments
US20160019536A1 (en) * 2012-10-17 2016-01-21 Royal Bank Of Canada Secure processing of data
AU2014310337A1 (en) * 2013-08-21 2016-01-21 Visa International Service Association Methods and systems for transferring electronic money

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
No further relevant documents disclosed *

Also Published As

Publication number Publication date
WO2017152265A8 (en) 2018-09-13
WO2017152265A1 (en) 2017-09-14
AU2017231106A1 (en) 2018-09-27
AU2023202352A1 (en) 2023-05-11
AU2023202352B2 (en) 2024-07-18
CA3017026A1 (en) 2017-09-14
CN109313762A (en) 2019-02-05
EP4102434A1 (en) 2022-12-14
CN109313762B (en) 2023-07-14
AU2017231106B2 (en) 2023-01-19
EP3427212A1 (en) 2019-01-16

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