RU2756989C2 - Приложение "цифровой кошелек" для мобильного платежа - Google Patents

Приложение "цифровой кошелек" для мобильного платежа Download PDF

Info

Publication number
RU2756989C2
RU2756989C2 RU2020100915A RU2020100915A RU2756989C2 RU 2756989 C2 RU2756989 C2 RU 2756989C2 RU 2020100915 A RU2020100915 A RU 2020100915A RU 2020100915 A RU2020100915 A RU 2020100915A RU 2756989 C2 RU2756989 C2 RU 2756989C2
Authority
RU
Russia
Prior art keywords
roaming
payment
payment system
mobile device
mobile
Prior art date
Application number
RU2020100915A
Other languages
English (en)
Russian (ru)
Other versions
RU2020100915A (ru
RU2020100915A3 (enExample
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
Publication of RU2020100915A publication Critical patent/RU2020100915A/ru
Publication of RU2020100915A3 publication Critical patent/RU2020100915A3/ru
Application granted granted Critical
Publication of RU2756989C2 publication Critical patent/RU2756989C2/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
    • G06Q20/38—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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • 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
    • G06Q20/30—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
    • G06Q20/30—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
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/60—Context-dependent security
    • H04W12/63—Location-dependent; Proximity-dependent
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/02—Services making use of location information
    • H04W4/029—Location-based management or tracking services
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/20—Services signaling; Auxiliary data signalling, i.e. transmitting data via a non-traffic channel
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/50—Service provisioning or reconfiguring
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/25—Integrating or interfacing systems involving database management systems
    • G06F16/252—Integrating or interfacing systems involving database management systems between a Database Management System and a front-end application
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W84/00—Network topologies
    • H04W84/02—Hierarchically pre-organised networks, e.g. paging networks, cellular networks, WLAN [Wireless Local Area Network] or WLL [Wireless Local Loop]
    • H04W84/04—Large scale networks; Deep hierarchical networks
    • H04W84/042—Public Land Mobile systems, e.g. cellular systems

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Signal Processing (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)
  • Mobile Radio Communication Systems (AREA)
RU2020100915A 2017-06-15 2018-05-24 Приложение "цифровой кошелек" для мобильного платежа RU2756989C2 (ru)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
EP17305733.2 2017-06-15
EP17305733.2A EP3416121B1 (en) 2017-06-15 2017-06-15 Digital wallet application for mobile payment
PCT/EP2018/063693 WO2018228794A1 (en) 2017-06-15 2018-05-24 Digital wallet application for mobile payment

Publications (3)

Publication Number Publication Date
RU2020100915A RU2020100915A (ru) 2021-07-15
RU2020100915A3 RU2020100915A3 (enExample) 2021-07-15
RU2756989C2 true RU2756989C2 (ru) 2021-10-08

Family

ID=59215678

Family Applications (1)

Application Number Title Priority Date Filing Date
RU2020100915A RU2756989C2 (ru) 2017-06-15 2018-05-24 Приложение "цифровой кошелек" для мобильного платежа

Country Status (14)

Country Link
US (1) US12314928B2 (enExample)
EP (2) EP3416121B1 (enExample)
JP (1) JP7265490B2 (enExample)
KR (1) KR102548694B1 (enExample)
CN (1) CN110998632B (enExample)
AU (1) AU2018283196B2 (enExample)
DK (1) DK3416121T3 (enExample)
ES (2) ES2830431T3 (enExample)
MX (1) MX2019015197A (enExample)
PL (1) PL3639230T3 (enExample)
PT (1) PT3416121T (enExample)
RU (1) RU2756989C2 (enExample)
SG (1) SG11201911981PA (enExample)
WO (1) WO2018228794A1 (enExample)

Families Citing this family (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11989774B1 (en) 2017-11-20 2024-05-21 Wells Fargo Bank, N.A. Systems and methods for providing digital trusted data
US20190362339A1 (en) * 2018-05-25 2019-11-28 Mastercard International Incorporated Methods and systems for facilitating payment transaction using a preferred digital wallet application
KR102536948B1 (ko) 2018-10-29 2023-05-25 삼성전자주식회사 Ssp의 번들을 관리하는 방법 및 장치
US10438437B1 (en) * 2019-03-20 2019-10-08 Capital One Services, Llc Tap to copy data to clipboard via NFC
CN111510862B (zh) * 2020-04-24 2021-09-21 支付宝(杭州)信息技术有限公司 一种终端区域定位方法、装置及电子设备
US12211033B1 (en) * 2021-02-23 2025-01-28 Wells Fargo Bank, N.A. Dynamic account status indicator via server-to-device secure data exchange
US12501251B2 (en) 2022-12-01 2025-12-16 T-Mobile Usa, Inc. Smart suggestions relating to network configuration updates in response to roaming partner updates
WO2025080261A1 (en) * 2023-10-09 2025-04-17 Visa International Service Association Payments with automated merchant detection
JP2026509033A (ja) * 2024-02-06 2026-03-17 シャンハイ・アント・チュアンジャン・インフォメーション・テクノロジー・カンパニー・リミテッド チェックアウトデバイス、チェックアウトアセンブリ、及びチェックアウト方法
TW202618638A (zh) * 2024-10-25 2026-05-01 澧達科技股份有限公司 行動支付方法與系統

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020052965A1 (en) * 2000-10-27 2002-05-02 Dowling Eric Morgan Negotiated wireless peripheral security systems
US20120166333A1 (en) * 2010-12-17 2012-06-28 Google Inc. Digital wallet
RU2013151507A (ru) * 2013-11-19 2015-05-27 Александр Константинович Кириков Электронный кошелек
US20150254770A1 (en) * 2014-03-04 2015-09-10 Bank Of America Corporation Foreign cross-issued token
US20150254642A1 (en) * 2014-03-04 2015-09-10 Bank Of America Corporation Digital wallet exposure reduction

Family Cites Families (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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
US8848660B2 (en) 2011-03-22 2014-09-30 Amazon Technologies, Inc. Preferred PLMN list for faster service acquisition
EP2718886A4 (en) * 2011-06-07 2015-01-14 Visa Int Service Ass APPARATUSES, METHODS AND SYSTEMS FOR SEGMENTATION IN PAYMENT CONFIDENTIALITY UNITS
CN103686652A (zh) 2012-08-31 2014-03-26 阿尔卡特朗讯 在vplmn中为漫游用户设备进行独立漫游计费的方法与设备
CN104376459A (zh) * 2013-08-12 2015-02-25 黄金富知识产权咨询(深圳)有限公司 一种双卡双待无线pos机和相应支付系统
US10366386B2 (en) 2013-09-12 2019-07-30 Paypal, Inc. Electronic wallet fund transfer system
US10515358B2 (en) * 2013-10-18 2019-12-24 Visa International Service Association Contextual transaction token methods and systems
EP3084701B1 (en) * 2013-12-19 2022-05-04 Visa International Service Association Cloud-based transactions methods and systems
JP6271752B2 (ja) 2014-02-10 2018-01-31 グーグル エルエルシー データセットを優先順位付けするためのモバイルデバイス、方法、およびコンピュータプログラム
KR20160112133A (ko) * 2015-03-18 2016-09-28 (주)이삭랜드코리아 외국 관광객을 위한 휴대 단말 앱 기반 간편 결제 방법 및 시스템
US10475020B2 (en) * 2015-05-01 2019-11-12 At&T Mobility Ii Llc Mobile device roaming status subscription
KR101695699B1 (ko) * 2015-08-13 2017-01-23 엘지전자 주식회사 이동 단말기 및 그 이동 단말기의 제어 방법
CN106485486A (zh) * 2015-08-28 2017-03-08 三星电子株式会社 电子设备的支付信息处理方法和装置
US11120511B2 (en) * 2016-07-26 2021-09-14 Samsung Electronics Co., Ltd. System and method for universal card acceptance

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020052965A1 (en) * 2000-10-27 2002-05-02 Dowling Eric Morgan Negotiated wireless peripheral security systems
US20120166333A1 (en) * 2010-12-17 2012-06-28 Google Inc. Digital wallet
RU2013151507A (ru) * 2013-11-19 2015-05-27 Александр Константинович Кириков Электронный кошелек
US20150254770A1 (en) * 2014-03-04 2015-09-10 Bank Of America Corporation Foreign cross-issued token
US20150254642A1 (en) * 2014-03-04 2015-09-10 Bank Of America Corporation Digital wallet exposure reduction

Also Published As

Publication number Publication date
WO2018228794A1 (en) 2018-12-20
PT3416121T (pt) 2020-10-30
ES2830431T3 (es) 2021-06-03
KR102548694B1 (ko) 2023-06-28
AU2018283196B2 (en) 2024-05-02
AU2018283196A1 (en) 2020-01-02
US20200167760A1 (en) 2020-05-28
US12314928B2 (en) 2025-05-27
PL3639230T3 (pl) 2026-04-20
MX2019015197A (es) 2020-08-13
KR20200019707A (ko) 2020-02-24
JP2020523704A (ja) 2020-08-06
SG11201911981PA (en) 2020-01-30
BR112019026608A2 (pt) 2020-07-28
EP3416121B1 (en) 2020-08-19
RU2020100915A (ru) 2021-07-15
CN110998632B (zh) 2024-01-23
ES3061238T3 (en) 2026-03-31
EP3639230A1 (en) 2020-04-22
DK3416121T3 (da) 2020-11-09
JP7265490B2 (ja) 2023-04-26
EP3639230B1 (en) 2025-12-03
RU2020100915A3 (enExample) 2021-07-15
EP3639230C0 (en) 2025-12-03
CA3066609A1 (en) 2018-12-20
EP3416121A1 (en) 2018-12-19
CN110998632A (zh) 2020-04-10

Similar Documents

Publication Publication Date Title
AU2018283196B2 (en) Digital wallet application for mobile payment
US11049098B2 (en) Method for modifying transaction credentials
RU2718972C1 (ru) Расширенное взаимодействие устройств
AU2024202326B2 (en) Mobile payment roaming
CA3066609C (en) Digital wallet application for mobile payment
HK40025697B (en) Digital wallet application for mobile payment
HK40025697A (en) Digital wallet application for mobile payment
Pourghomi et al. Trusted integration of cloud-based NFC transaction players
WO2014019026A1 (en) Electronic transction system and method
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