SE2050694A1 - Real-time digital proximity payments by proxy - Google Patents

Real-time digital proximity payments by proxy

Info

Publication number
SE2050694A1
SE2050694A1 SE2050694A SE2050694A SE2050694A1 SE 2050694 A1 SE2050694 A1 SE 2050694A1 SE 2050694 A SE2050694 A SE 2050694A SE 2050694 A SE2050694 A SE 2050694A SE 2050694 A1 SE2050694 A1 SE 2050694A1
Authority
SE
Sweden
Prior art keywords
dpsf
communication
digital payment
payment service
communication device
Prior art date
Application number
SE2050694A
Inventor
Joachim Samuelsson
Paul Cronholm
Original Assignee
Crunchfish Digital Cash Ab
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 Crunchfish Digital Cash Ab filed Critical Crunchfish Digital Cash Ab
Priority to SE2050694A priority Critical patent/SE2050694A1/en
Priority to PCT/SE2021/050556 priority patent/WO2021251889A1/en
Publication of SE2050694A1 publication Critical patent/SE2050694A1/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
    • G06Q20/30—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
    • 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
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/50—Network services
    • H04L67/56—Provisioning of proxy services
    • 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
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

Disclosed is a method for performing a digital payment transaction that involves a payee communication device (PD1), a payer communication device (PD2) and cloud-based digital payment service functionality (DPSF). A first device (31) among the payee communication device (PD1) and payer communication device (PD2) communicates with the digital payment service functionality (DPSF) directly by widearea network (WAN) communication, whereas a second device (32) among the payee communication device (PD1) and payer communication device (PD2) communicates with the digital payment service functionality (DPSF) via a secure logical connection (SLC) with the digital payment service functionality (DPSF). The secure logical connection (SLC) is effectuated physically via short-range wireless data communication (SRWDC) with the first device (31). The first device (31) thus relays communication between the second device (32) and the digital payment service functionality (DPSF) via the secure logical connection (SLC) without access to information contained in the communication.
SE2050694A 2020-06-11 2020-06-11 Real-time digital proximity payments by proxy SE2050694A1 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
SE2050694A SE2050694A1 (en) 2020-06-11 2020-06-11 Real-time digital proximity payments by proxy
PCT/SE2021/050556 WO2021251889A1 (en) 2020-06-11 2021-06-10 Real-time digital proximity payments by proxy

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
SE2050694A SE2050694A1 (en) 2020-06-11 2020-06-11 Real-time digital proximity payments by proxy

Publications (1)

Publication Number Publication Date
SE2050694A1 true SE2050694A1 (en) 2021-12-12

Family

ID=79600862

Family Applications (1)

Application Number Title Priority Date Filing Date
SE2050694A SE2050694A1 (en) 2020-06-11 2020-06-11 Real-time digital proximity payments by proxy

Country Status (1)

Country Link
SE (1) SE2050694A1 (en)

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20140019367A1 (en) * 2012-07-13 2014-01-16 Apple Inc. Method to send payment data through various air interfaces without compromising user data
US20150106217A1 (en) * 2013-10-11 2015-04-16 Mastercard International Incorporated Virtual pos system and method
US20170200152A1 (en) * 2014-02-28 2017-07-13 Yapital Financial A.G. Self-checkout with mobile payment
US20180075446A1 (en) * 2015-03-11 2018-03-15 China Unionpay Co., Ltd. Data transmission method for mobile near field payment and user equipment
US10049349B1 (en) * 2015-09-29 2018-08-14 Square, Inc. Processing electronic payment transactions in offline-mode
US10482440B1 (en) * 2015-09-18 2019-11-19 Square, Inc. Simulating NFC experience

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20140019367A1 (en) * 2012-07-13 2014-01-16 Apple Inc. Method to send payment data through various air interfaces without compromising user data
US20150106217A1 (en) * 2013-10-11 2015-04-16 Mastercard International Incorporated Virtual pos system and method
US20170200152A1 (en) * 2014-02-28 2017-07-13 Yapital Financial A.G. Self-checkout with mobile payment
US20180075446A1 (en) * 2015-03-11 2018-03-15 China Unionpay Co., Ltd. Data transmission method for mobile near field payment and user equipment
US10482440B1 (en) * 2015-09-18 2019-11-19 Square, Inc. Simulating NFC experience
US10049349B1 (en) * 2015-09-29 2018-08-14 Square, Inc. Processing electronic payment transactions in offline-mode

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
I. Turk, A Cosar. "Internet Connection Sharing Through NFC for Connection Loss Problem in Internet-of-Things Devices". Internet of Things, Smart Spaces, and Next Generation Networks and Systems. 15th International Conference, NEW2AN 2015 and 8th Conference, ruSMART 2015. Pg. 329-342. doi:10.1007/978-3-319-23126-6_30 *

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