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

Приложение "цифровой кошелек" для мобильного платежа Download PDF

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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
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roaming
payment
payment system
mobile device
mobile
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RU2020100915A
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Russian (ru)
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RU2020100915A3 (https=
RU2020100915A (ru
Inventor
М. Олег МАХОТИН
М. Мехди ЭЛЬХАУСИН
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ИДЕМИА Франс
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    • 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

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (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)
  • Mobile Radio Communication Systems (AREA)
  • Telephonic Communication Services (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
EP17305733.2A EP3416121B1 (en) 2017-06-15 2017-06-15 Digital wallet application for mobile payment
EP17305733.2 2017-06-15
PCT/EP2018/063693 WO2018228794A1 (en) 2017-06-15 2018-05-24 Digital wallet application for mobile payment

Publications (3)

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

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

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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
US12452640B2 (en) 2022-12-01 2025-10-21 T-Mobile Usa, Inc. Automated audits 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

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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
US20150254642A1 (en) * 2014-03-04 2015-09-10 Bank Of America Corporation Digital wallet exposure reduction
US20150254770A1 (en) * 2014-03-04 2015-09-10 Bank Of America Corporation Foreign cross-issued token

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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
US20150254642A1 (en) * 2014-03-04 2015-09-10 Bank Of America Corporation Digital wallet exposure reduction
US20150254770A1 (en) * 2014-03-04 2015-09-10 Bank Of America Corporation Foreign cross-issued token

Also Published As

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

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