RU2742220C1 - Мобильный платёж в роуминге - Google Patents

Мобильный платёж в роуминге Download PDF

Info

Publication number
RU2742220C1
RU2742220C1 RU2020100935A RU2020100935A RU2742220C1 RU 2742220 C1 RU2742220 C1 RU 2742220C1 RU 2020100935 A RU2020100935 A RU 2020100935A RU 2020100935 A RU2020100935 A RU 2020100935A RU 2742220 C1 RU2742220 C1 RU 2742220C1
Authority
RU
Russia
Prior art keywords
server
pan
token
roaming
home
Prior art date
Application number
RU2020100935A
Other languages
English (en)
Russian (ru)
Inventor
М. Олег МАХОТИН
М. Мехди ЭЛЬХАУСИН
Original Assignee
ИДЕМИА Франс
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 ИДЕМИА Франс filed Critical ИДЕМИА Франс
Application granted granted Critical
Publication of RU2742220C1 publication Critical patent/RU2742220C1/ru

Links

Images

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
    • G06Q20/30—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
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/38—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
    • G06Q2220/00—Business processing using cryptography

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Mobile Radio Communication Systems (AREA)
RU2020100935A 2017-06-15 2018-05-24 Мобильный платёж в роуминге RU2742220C1 (ru)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
EP17305734.0 2017-06-15
EP17305734.0A EP3416122A1 (en) 2017-06-15 2017-06-15 Mobile payment roaming
PCT/EP2018/063697 WO2018228798A1 (en) 2017-06-15 2018-05-24 Mobile payment roaming

Publications (1)

Publication Number Publication Date
RU2742220C1 true RU2742220C1 (ru) 2021-02-03

Family

ID=59215679

Family Applications (1)

Application Number Title Priority Date Filing Date
RU2020100935A RU2742220C1 (ru) 2017-06-15 2018-05-24 Мобильный платёж в роуминге

Country Status (10)

Country Link
US (2) US11403623B2 (https=)
EP (2) EP3416122A1 (https=)
JP (1) JP7265489B2 (https=)
CN (1) CN110753943B (https=)
AU (2) AU2018283198A1 (https=)
BR (1) BR112019026580A2 (https=)
CA (1) CA3066021A1 (https=)
ES (1) ES3033832T3 (https=)
RU (1) RU2742220C1 (https=)
WO (1) WO2018228798A1 (https=)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112669165B (zh) * 2019-09-27 2024-06-25 徐蔚 一种应用数字人码链的统一接入方法
US20240232846A9 (en) * 2021-02-25 2024-07-11 Visa International Service Association Digital tag including request for interaction
EP4414920A1 (en) 2023-02-13 2024-08-14 Giesecke+Devrient ePayments GmbH System and method for enabling multi-channel, multi-currency international transactions for domestic payment schemes

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1197928A2 (en) * 2000-10-11 2002-04-17 Hewlett-Packard Company, A Delaware Corporation Payment roaming - payments through various network institutions without regards to time or locations of the payment appliances
US20070061873A1 (en) * 2005-09-09 2007-03-15 Microsoft Corporation Securely roaming digital identities
US20110095086A1 (en) * 2008-04-21 2011-04-28 Kamalini Malhotra Apparatus, method and system for facilitating payment of monetary transactions
US20110295750A1 (en) * 2009-02-14 2011-12-01 Net2Text Limited Secure payment and billing method using mobile phone number or account
RU2439695C2 (ru) * 2005-12-06 2012-01-10 Виза Ю.Эс.Эй. Инк. Способ и система для первоначального и повторного зачисления средств на портативные потребительские устройства

Family Cites Families (47)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FI102860B (fi) * 1995-11-07 1999-02-26 Nokia Telecommunications Oy Menetelmä ja järjestelmä elektronisen maksutapahtuman suorittamiseksi
EP0917119A3 (en) * 1997-11-12 2001-01-10 Citicorp Development Center, Inc. Distributed network based electronic wallet
US7248855B2 (en) * 1998-09-15 2007-07-24 Upaid Systems, Ltd. Convergent communications system and method with a rule set for authorizing, debiting, settling and recharging a mobile commerce account
US7376621B1 (en) * 2000-01-26 2008-05-20 Paybyclick Corporation Method and apparatus for conducting electronic commerce transactions using electronic tokens
US6901429B2 (en) * 2000-10-27 2005-05-31 Eric Morgan Dowling Negotiated wireless peripheral security systems
KR101140910B1 (ko) * 2001-06-29 2012-07-03 유페이드 시스템스 엘티디 이종 네트워크 환경에서 융합 통신 플랫폼과 모바일 및 전자 상거래 방법
EP1821249A1 (en) * 2006-02-14 2007-08-22 Lufthansa AirPlus Servicekarten GmbH Technique for interconnecting card payment networks
US20090070246A1 (en) * 2007-09-10 2009-03-12 First Data Corporation Electronic Financial Transaction Routing
US20120271757A9 (en) * 2008-05-09 2012-10-25 Shakkarwar Rajesh G Systems and methods for managing accounts payable
US20100258620A1 (en) * 2009-04-10 2010-10-14 Denise Torreyson Methods and systems for linking multiple accounts
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
US20130185166A1 (en) * 2010-07-20 2013-07-18 Moqom Limited Cardholder mobile device positioning system and method
US9342832B2 (en) * 2010-08-12 2016-05-17 Visa International Service Association Securing external systems with account token substitution
US9280765B2 (en) * 2011-04-11 2016-03-08 Visa International Service Association Multiple tokenization for authentication
US8768830B1 (en) * 2011-09-08 2014-07-01 Citibank, N.A. Method and system for a multi-purpose transactional platform
US10373152B2 (en) 2011-12-13 2019-08-06 Visa International Service Association Integrated mobile trusted service manager
US20130254102A1 (en) * 2012-03-20 2013-09-26 First Data Corporation Systems and Methods for Distributing Tokenization and De-Tokenization Services
US20130297501A1 (en) * 2012-05-04 2013-11-07 Justin Monk System and method for local data conversion
US20140164243A1 (en) * 2012-12-07 2014-06-12 Christian Aabye Dynamic Account Identifier With Return Real Account Identifier
US10043181B2 (en) * 2013-01-15 2018-08-07 Mastercard International Incorporated Systems and methods for processing off-network transaction messages
US10019766B2 (en) * 2013-01-31 2018-07-10 Facebook, Inc. Method, medium, and system for enabling gift card transactions
US10311426B2 (en) * 2013-02-05 2019-06-04 Visa International Service Association Integrated communications network for transactions
US10460307B2 (en) * 2013-03-13 2019-10-29 Rogers Communications Inc. Methods and devices for fraud detection based on roaming status
US20150032625A1 (en) * 2013-07-24 2015-01-29 Matthew Dill Systems and methods for communicating risk using token assurance data
US20150041534A1 (en) * 2013-08-07 2015-02-12 1 Oak Technologies, LLC Electronic payment transponder
US10496986B2 (en) * 2013-08-08 2019-12-03 Visa International Service Association Multi-network tokenization processing
GB201317109D0 (en) * 2013-09-26 2013-11-06 Mastercard International Inc Account Information
EP3078156A4 (en) 2013-10-11 2017-07-12 Visa International Service Association Network token system
US10515358B2 (en) * 2013-10-18 2019-12-24 Visa International Service Association Contextual transaction token methods and systems
CA2931093A1 (en) * 2013-12-19 2015-06-25 Visa International Service Association Cloud-based transactions methods and systems
US9600844B2 (en) * 2014-03-04 2017-03-21 Bank Of America Corporation Foreign cross-issued token
US10002352B2 (en) * 2014-03-04 2018-06-19 Bank Of America Corporation Digital wallet exposure reduction
US9224141B1 (en) * 2014-03-05 2015-12-29 Square, Inc. Encoding a magnetic stripe of a card with data of multiple cards
US9483763B2 (en) * 2014-05-29 2016-11-01 Apple Inc. User interface for payments
US9780953B2 (en) * 2014-07-23 2017-10-03 Visa International Service Association Systems and methods for secure detokenization
US9692752B2 (en) 2014-11-17 2017-06-27 Bank Of America Corporation Ensuring information security using one-time tokens
KR20160112133A (ko) * 2015-03-18 2016-09-28 (주)이삭랜드코리아 외국 관광객을 위한 휴대 단말 앱 기반 간편 결제 방법 및 시스템
US9984371B2 (en) * 2015-03-27 2018-05-29 Ca, Inc. Payment de-tokenization with risk evaluation for secure transactions
US10152714B2 (en) * 2015-04-29 2018-12-11 Capital One Services, LLP System to automatically restore payment purchasing power
US10475020B2 (en) * 2015-05-01 2019-11-12 At&T Mobility Ii Llc Mobile device roaming status subscription
US10311423B2 (en) * 2015-06-09 2019-06-04 Zumigo, Inc. System and method for transaction approval based on confirmation of proximity of mobile subscriber device to a particular location
US20170004499A1 (en) * 2015-07-02 2017-01-05 Mastercard International Incorporated Method and system for cross-border travel alerts
US20170061419A1 (en) 2015-08-28 2017-03-02 Samsung Electronics Co., Ltd. Payment information processing method and apparatus of electronic device
BR112018004896A2 (pt) * 2015-09-10 2019-04-16 Verrency Holdings Limited ?dispositivo proxy para representar múltiplas credenciais
US20170186008A1 (en) * 2015-12-29 2017-06-29 Ca, Inc. Methods and apparatus for authenticating and authorizing secondary accounts
US11423395B1 (en) * 2016-12-29 2022-08-23 Wells Fargo Bank, N.A. Pay with points virtual card
SG10201800711VA (en) * 2018-01-26 2019-08-27 Mastercard International Inc Computer system and computer-implemented method for secure e-commerce

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1197928A2 (en) * 2000-10-11 2002-04-17 Hewlett-Packard Company, A Delaware Corporation Payment roaming - payments through various network institutions without regards to time or locations of the payment appliances
US20070061873A1 (en) * 2005-09-09 2007-03-15 Microsoft Corporation Securely roaming digital identities
RU2439695C2 (ru) * 2005-12-06 2012-01-10 Виза Ю.Эс.Эй. Инк. Способ и система для первоначального и повторного зачисления средств на портативные потребительские устройства
US20110095086A1 (en) * 2008-04-21 2011-04-28 Kamalini Malhotra Apparatus, method and system for facilitating payment of monetary transactions
US20110295750A1 (en) * 2009-02-14 2011-12-01 Net2Text Limited Secure payment and billing method using mobile phone number or account

Also Published As

Publication number Publication date
AU2018283198A1 (en) 2019-12-19
CN110753943B (zh) 2024-01-23
CN110753943A (zh) 2020-02-04
EP3639231C0 (en) 2025-04-16
JP2020523701A (ja) 2020-08-06
US12475450B2 (en) 2025-11-18
US20220245622A1 (en) 2022-08-04
AU2024202326A1 (en) 2024-05-02
EP3416122A1 (en) 2018-12-19
BR112019026580A2 (pt) 2020-06-23
EP3639231B1 (en) 2025-04-16
US20200202332A1 (en) 2020-06-25
US11403623B2 (en) 2022-08-02
JP7265489B2 (ja) 2023-04-26
WO2018228798A1 (en) 2018-12-20
AU2024202326B2 (en) 2025-10-23
EP3639231A1 (en) 2020-04-22
ES3033832T3 (en) 2025-08-08
CA3066021A1 (en) 2018-12-20

Similar Documents

Publication Publication Date Title
RU2756989C2 (ru) Приложение "цифровой кошелек" для мобильного платежа
AU2019229449A1 (en) Vending machine transactions
RU2718972C1 (ru) Расширенное взаимодействие устройств
AU2024202326A1 (en) Mobile payment roaming
JP7429288B2 (ja) 複数の閉ループの安全性が保証された取引のシステム及び方法
CA3066609C (en) Digital wallet application for mobile payment
HK40025697B (zh) 用於移动支付的数字钱包应用
HK40025697A (en) Digital wallet application for mobile payment
BR112019026608B1 (pt) Método implementado por um dispositivo móvel para gerenciar um aplicativo de carteira digital, método de processamento implementado por um primeiro servidor em cooperação com um dispositivo móvel gerenciando um aplicativo de carteira digital, memória legível por computador, dispositivo móvel e primeiro servidor configurado para implementar um método de processamento em cooperação com um dispositivo móvel gerenciando um aplicativo de carteira digital
WO2014019026A1 (en) Electronic transction system and method
US20170278091A1 (en) Transaction transfer method, transaction method and terminal carrying out at least one of said methods