SG11201807324QA - An electronic payment system and method thereof - Google Patents

An electronic payment system and method thereof

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Publication number
SG11201807324QA
SG11201807324QA SG11201807324QA SG11201807324QA SG11201807324QA SG 11201807324Q A SG11201807324Q A SG 11201807324QA SG 11201807324Q A SG11201807324Q A SG 11201807324QA SG 11201807324Q A SG11201807324Q A SG 11201807324QA SG 11201807324Q A SG11201807324Q A SG 11201807324QA
Authority
SG
Singapore
Prior art keywords
international
go6q
payment
maharashtra
payments
Prior art date
Application number
SG11201807324QA
Inventor
Dilip Asbe
Narayanan Rajendran
Sateesh Palagiri
Anubhav Sharma
Original Assignee
Nat Payments Corporation Of India
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 Nat Payments Corporation Of India filed Critical Nat Payments Corporation Of India
Publication of SG11201807324QA publication Critical patent/SG11201807324QA/en

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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
    • 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
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/22—Payment schemes or models
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3221—Access to banking information through 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
    • G06Q20/30—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]
    • G06Q20/3223—Realising banking transactions through 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
    • G06Q20/30—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; 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Credit Cards Or The Like (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Catching Or Destruction (AREA)
  • User Interface Of Digital Computer (AREA)

Abstract

INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property 1111111011110111011111111111111111111111111111111111111111111111111111111111111110111111 Organization International Bureau (10) International Publication Number (43) International Publication Date .....0\"\"\" WO 2017/221085 Al 28 December 2017 (28.12.2017) WIP0 I PCT (51) International Patent Classification: (81) Designated States (unless otherwise indicated, for every GO6Q 20/08 (2012.01) GO6Q 20/32 (2012.01) kind of national protection available): AE, AG, AL, AM, GO6Q 20/10 (2012.01) GO6Q 20/38 (2012.01) AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, GO6Q 20/22 (2012.01) GOOF 17/30 (2006.01) CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, (21) International Application Number: DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, PCT/IB2017/052793 HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, (22) International Filing Date: MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, 12 May 2017 (12.05.2017) PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, (25) Filing Language: English SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (26) Publication Language: English (84) Designated States (unless otherwise indicated, for every (30) Priority Data: kind of regional protection available): ARIPO (BW, GH, 201621021488 22 June 2016 (22.06.2016) IN GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, (71) Applicant: NATIONAL PAYMENTS CORPO- TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, RATION OF INDIA [IN/IN]; 1001A, B Wing, 10th Floor, EE, ES, FL FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, The Capital, Bandra-Kurla Complex, Bandra (East), Mum- MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, bai, Maharashtra 400051 (IN). TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, — (72) Inventors: ASBE, Dilip; B2 Divine Home Colony KM, ML, MR, NE, SN, TD, TG). L.M.Road, Borivli West Mumbai, Maharashtra 400103 = (IN). RAJENDRAN, Narayanan; 202 Marutivilas Apt, Declarations under Rule 4.17: 213/ 3RT, VijayNagar Colony Hyderabad, Andra Pradesh — as to the identity of the inventor (Rule 4.17(i)) = 500057 (IN). PALAGIRI, Sateesh; 2192, A P Yella Red- — of inventorship (Rule 4.17(iv)) — dy, Nakkaladinne Chapadu mandal Kadapa district Kada- pa, Andhra Pradesh 516355 (IN). SHARMA, Anubhav; Published: — — with international search report (Art. 21(3)) 402, Plot 11A Sri Ram Niwas Tatta Niwasi CoOp Hsg So- ciety Pestom Sagar — Lane No. 3 Opposite Shopper's Stop, = Chembur Mumbai, Maharashtra 400089 (IN). = (74) Agent: DEWAN, Mohan; R. K. Dewan & Co. Podar = Chambers, S. A. Brelvi Road, Fort, Mumbai-, Maharashtra = 400001 (IN). = = = = (54) Title: AN ELECTRONIC PAYMENT SYSTEM AND METHOD THEREOF = (57) : The present disclosure envisages an electronic pay- = 1000 ment system and method. This disclosure relates to the field of elec- = tronic payment systems. The electronic payment system facilitates = sending and receiving money in a simpler manner using user de- - — It a interface (UPI) and enables users vices. provides unified payments = 1004 to push and pull/collect payments from accounts of concerned per- sons/entities. The system of the disclosure enables present payment — 1004a 1004b 1004c transactions between a payer and a payee without mandatorily need- and account details of each other. elimi- ing bank information bank It in pc nates the risk of storing customer's account details and can be used by customers which do not have credit/debit cards. It provides payment transaction privacy and facilitates multiple utility, cash on delivery, N.7 0 1008 —1. 1006 bill splitting/sharing, merchant payments/remittances. The electronic 1-1 100 the disclosure inter- payment system of present works across various ei ei IN 1-1 © FIGURE 1 ei faces, where payment requests can be generated on a web interface and authorized on a mobile interface (application tool). C
SG11201807324QA 2016-06-22 2017-05-12 An electronic payment system and method thereof SG11201807324QA (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
IN201621021488A IN201621021488A (en) 2016-06-22 2017-05-12
PCT/IB2017/052793 WO2017221085A1 (en) 2016-06-22 2017-05-12 An electronic payment system and method thereof

Publications (1)

Publication Number Publication Date
SG11201807324QA true SG11201807324QA (en) 2018-09-27

Family

ID=60784439

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11201807324QA SG11201807324QA (en) 2016-06-22 2017-05-12 An electronic payment system and method thereof

Country Status (15)

Country Link
US (1) US10902403B2 (en)
EP (2) EP3411841A4 (en)
JP (1) JP6811787B2 (en)
KR (1) KR102405042B1 (en)
CN (1) CN109196535B (en)
AU (2) AU2017283207A1 (en)
BR (1) BR112018076769A8 (en)
CA (1) CA3016381C (en)
EA (1) EA035549B1 (en)
IL (1) IL263763B2 (en)
IN (1) IN201621021488A (en)
PH (1) PH12019550003A1 (en)
SG (1) SG11201807324QA (en)
WO (1) WO2017221085A1 (en)
ZA (1) ZA201808106B (en)

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US10621658B1 (en) 2015-01-15 2020-04-14 Wells Fargo Bank, N.A. Identity verification services with identity score through external entities via application programming interface
US10990974B1 (en) 2015-01-15 2021-04-27 Wells Fargo Bank, N.A. Identity verification services and user information provision via application programming interface
US10997654B1 (en) 2015-01-15 2021-05-04 Wells Fargo Bank, N.A. Identity verification services through external entities via application programming interface
US10937025B1 (en) 2015-01-15 2021-03-02 Wells Fargo Bank, N.A. Payment services via application programming interface
WO2019070512A1 (en) * 2017-10-06 2019-04-11 Mastercard International Incorporated Distribution systems and related methods
US11676126B1 (en) 2017-12-28 2023-06-13 Wells Fargo Bank, N.A. Account open interfaces
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US11106515B1 (en) 2017-12-28 2021-08-31 Wells Fargo Bank, N.A. Systems and methods for multi-platform product integration
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CN115775147A (en) * 2022-11-17 2023-03-10 重庆葵海数字科技有限公司 Working method of service e-commerce payment aggregation platform

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Also Published As

Publication number Publication date
KR20190021222A (en) 2019-03-05
EA035549B1 (en) 2020-07-06
EA201892669A1 (en) 2019-04-30
EP3411841A1 (en) 2018-12-12
AU2023203106A1 (en) 2023-06-08
EP4303797A1 (en) 2024-01-10
IL263763A (en) 2019-01-31
CN109196535A (en) 2019-01-11
CA3016381A1 (en) 2017-12-28
IL263763B (en) 2022-10-01
ZA201808106B (en) 2019-08-28
US10902403B2 (en) 2021-01-26
KR102405042B1 (en) 2022-06-07
IL263763B2 (en) 2023-02-01
CN109196535B (en) 2023-07-07
WO2017221085A1 (en) 2017-12-28
BR112018076769A2 (en) 2019-04-02
IN201621021488A (en) 2017-12-29
CA3016381C (en) 2023-02-28
AU2017283207A1 (en) 2018-09-20
JP6811787B2 (en) 2021-01-13
JP2019522833A (en) 2019-08-15
PH12019550003A1 (en) 2019-07-24
BR112018076769A8 (en) 2023-04-18
EP3411841A4 (en) 2019-10-16
US20190303910A1 (en) 2019-10-03

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