IN2014CN04673A - - Google Patents

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Publication number
IN2014CN04673A
IN2014CN04673A IN4673CHN2014A IN2014CN04673A IN 2014CN04673 A IN2014CN04673 A IN 2014CN04673A IN 4673CHN2014 A IN4673CHN2014 A IN 4673CHN2014A IN 2014CN04673 A IN2014CN04673 A IN 2014CN04673A
Authority
IN
India
Prior art keywords
balance
inquiry
paid
sum
user account
Prior art date
Application number
Inventor
Jianwei Deng
Ke Fan
Jun Zhou
Ding Zhang
Original Assignee
Tencent Tech Shenzhen Co Ltd
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 Tencent Tech Shenzhen Co Ltd filed Critical Tencent Tech Shenzhen Co Ltd
Publication of IN2014CN04673A publication Critical patent/IN2014CN04673A/en

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
    • G06Q20/38—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
    • G06Q20/403—Solvency checks
    • G06Q20/4033—Local solvency checks
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G06Q20/0655—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed centrally
    • 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
    • G06Q20/38—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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Development Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

Provided is a virtual money balance bypass inquiry method comprising: receiving a purchase demand submitted by a client side the purchase demand containing the sum to be paid; receiving a balance inquiry request asynchronously transmitted by the client side the balance inquiry request carrying the sum to be paid; inquiring the balance in a user account according to the balance inquiry request and obtaining a result token by comparing the balance in the user account with the sum to be paid; asynchronously returning the result token to the client side. Also provided are a virtual money balance bypass inquiry system and computer readable storage medium. The present invention inquires the balance via a bypass moves the user account balance inquiry to a commodity selection stage prior to payment confirmation thus improving system payment success rate for a transaction and further improving transaction payment performance due to the utilization of asynchronous balance inquiry.
IN4673CHN2014 2011-11-29 2012-11-28 IN2014CN04673A (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN2011103874920A CN103136245A (en) 2011-11-29 2011-11-29 Method and system of virtual currency balance bypass query
PCT/CN2012/085425 WO2013078990A1 (en) 2011-11-29 2012-11-28 Virtual money balance bypass inquiry method, system and computer-readable storage medium

Publications (1)

Publication Number Publication Date
IN2014CN04673A true IN2014CN04673A (en) 2015-09-18

Family

ID=48496080

Family Applications (1)

Application Number Title Priority Date Filing Date
IN4673CHN2014 IN2014CN04673A (en) 2011-11-29 2012-11-28

Country Status (14)

Country Link
US (1) US9767456B2 (en)
EP (1) EP2787451A4 (en)
JP (1) JP6196628B2 (en)
CN (1) CN103136245A (en)
AP (1) AP2014007709A0 (en)
AU (1) AU2012344457A1 (en)
CA (1) CA2856639C (en)
IN (1) IN2014CN04673A (en)
MX (1) MX2014005176A (en)
MY (1) MY175502A (en)
PH (1) PH12014501221B1 (en)
RU (1) RU2014121336A (en)
SG (1) SG11201402035TA (en)
WO (1) WO2013078990A1 (en)

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US20150363778A1 (en) * 2014-06-16 2015-12-17 Bank Of America Corporation Cryptocurrency electronic payment system
US11636471B2 (en) 2017-12-15 2023-04-25 Fmr Llc Social data tracking datastructures, apparatuses, methods and systems
US10644885B2 (en) 2015-07-14 2020-05-05 Fmr Llc Firmware extension for secure cryptocurrency key backup, restore, and transaction signing platform apparatuses, methods and systems
US10504179B1 (en) 2015-12-08 2019-12-10 Fmr Llc Social aggregated fractional equity transaction partitioned acquisition apparatuses, methods and systems
US10778439B2 (en) 2015-07-14 2020-09-15 Fmr Llc Seed splitting and firmware extension for secure cryptocurrency key backup, restore, and transaction signing platform apparatuses, methods and systems
US11488147B2 (en) 2015-07-14 2022-11-01 Fmr Llc Computationally efficient transfer processing and auditing apparatuses, methods and systems
US10992469B2 (en) 2015-07-14 2021-04-27 Fmr Llc Seed splitting and firmware extension for secure cryptocurrency key backup, restore, and transaction signing platform apparatuses, methods and systems
US11436598B2 (en) 2017-12-15 2022-09-06 Fmr Llc Social data tracking datastructures, apparatuses, methods and systems
US10339523B2 (en) 2015-07-14 2019-07-02 Fmr Llc Point-to-point transaction guidance apparatuses, methods and systems
CN106886891A (en) * 2015-12-16 2017-06-23 中国移动通信集团公司 A kind of near field payment method, relevant device and system
CN106875189A (en) * 2017-02-16 2017-06-20 深圳市八零年代网络科技有限公司 Instant Withdrawing method and device
DE102018110736A1 (en) * 2017-06-02 2018-12-06 Apple Inc. Split transaction execution
CN107492031B (en) * 2017-07-06 2020-05-29 兴业数字金融服务（上海）股份有限公司 Quasi-real-time financial system account checking method based on function contract bypass analysis
CN108830573A (en) * 2018-06-22 2018-11-16 四川华翼共享区块链科技有限公司 Ideal money management system for civil aviaton's service payment
CN112116345A (en) * 2020-09-28 2020-12-22 中国银行股份有限公司 System and method for processing payment card list data
WO2022218424A1 (en) * 2021-04-16 2022-10-20 中国人民银行数字货币研究所 Payment method, apparatus, and system for digital currency
CN113422758B (en) * 2021-06-08 2023-04-07 深圳市欢太数字科技有限公司 Data encryption method and device, internet of things system, electronic equipment and storage medium

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JP2003108777A (en) * 2001-09-28 2003-04-11 Glory Ltd Method, device for informing settlement information, settlement information managing device and program
JP2003141403A (en) 2001-11-02 2003-05-16 Sony Corp Point sales server and method
JP2004133693A (en) * 2002-10-10 2004-04-30 Casio Comput Co Ltd Prepaid electronic money settlement system, method, and program
JP3902602B2 (en) * 2004-03-24 2007-04-11 日本電信電話株式会社 Server apparatus and asynchronous electronic payment service method using the same
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Also Published As

Publication number Publication date
CN103136245A (en) 2013-06-05
US20140297531A1 (en) 2014-10-02
EP2787451A4 (en) 2015-04-22
JP6196628B2 (en) 2017-09-13
EP2787451A1 (en) 2014-10-08
PH12014501221A1 (en) 2014-09-08
WO2013078990A1 (en) 2013-06-06
JP2014533863A (en) 2014-12-15
RU2014121336A (en) 2016-01-27
SG11201402035TA (en) 2014-10-30
US9767456B2 (en) 2017-09-19
MX2014005176A (en) 2014-05-28
AP2014007709A0 (en) 2014-06-30
CA2856639A1 (en) 2013-06-06
CA2856639C (en) 2019-04-30
NZ626901A (en) 2015-07-31
PH12014501221B1 (en) 2014-09-08
AU2012344457A1 (en) 2014-07-24
MY175502A (en) 2020-06-30

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