SG11202108413WA - Cross-border quick response (qr) payment flow for encrypted primary account number (pan) payment flow - Google Patents

Cross-border quick response (qr) payment flow for encrypted primary account number (pan) payment flow

Info

Publication number
SG11202108413WA
SG11202108413WA SG11202108413WA SG11202108413WA SG11202108413WA SG 11202108413W A SG11202108413W A SG 11202108413WA SG 11202108413W A SG11202108413W A SG 11202108413WA SG 11202108413W A SG11202108413W A SG 11202108413WA SG 11202108413W A SG11202108413W A SG 11202108413WA
Authority
SG
Singapore
Prior art keywords
payment flow
border
pan
cross
account number
Prior art date
Application number
SG11202108413WA
Inventor
Pranav Sheth
Hao Ying
Gaonkar Vinay
Original Assignee
Visa Int Service Ass
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 Visa Int Service Ass filed Critical Visa Int Service Ass
Publication of SG11202108413WA publication Critical patent/SG11202108413WA/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
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • 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
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • 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
    • G06Q20/30—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
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • G06Q20/36—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; 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
    • G06Q20/36—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
    • G06Q20/3674—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 involving authentication
    • 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
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/02—Network architectures or network communication protocols for network security for separating internal from external traffic, e.g. firewalls
    • H04L63/0227—Filtering policies
    • H04L63/0236—Filtering by address, protocol, port number or service, e.g. IP-address or URL
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0807—Network architectures or network communication protocols for network security for authentication of entities using tickets, e.g. Kerberos

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Hardware Design (AREA)
  • Computing Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Signal Processing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
SG11202108413WA 2019-06-18 2019-06-18 Cross-border quick response (qr) payment flow for encrypted primary account number (pan) payment flow SG11202108413WA (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/US2019/037730 WO2020256705A1 (en) 2019-06-18 2019-06-18 Cross-border quick response (qr) payment flow for encrypted primary account number (pan) payment flow

Publications (1)

Publication Number Publication Date
SG11202108413WA true SG11202108413WA (en) 2021-08-30

Family

ID=74040082

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11202108413WA SG11202108413WA (en) 2019-06-18 2019-06-18 Cross-border quick response (qr) payment flow for encrypted primary account number (pan) payment flow

Country Status (5)

Country Link
US (1) US20220156731A1 (en)
EP (1) EP3987471A4 (en)
CN (1) CN113508413A (en)
SG (1) SG11202108413WA (en)
WO (1) WO2020256705A1 (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113507459B (en) * 2021-06-28 2022-12-02 上海浦东发展银行股份有限公司 Mobile terminal APP secure interaction system and method thereof

Family Cites Families (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6834271B1 (en) * 1999-09-24 2004-12-21 Kryptosima Apparatus for and method of secure ATM debit card and credit card payment transactions via the internet
WO2007016114A2 (en) * 2005-07-27 2007-02-08 Shea Writer Methods and systems for improved security for financial transactions through a trusted third party entity
US20130339232A1 (en) * 2005-10-06 2013-12-19 C-Sam, Inc. Widget framework for securing account information for a plurality of accounts in a wallet
WO2012111019A1 (en) * 2011-02-14 2012-08-23 Ravi Jagannathan Automated mobile transaction processing system and method
US10417702B2 (en) * 2011-05-26 2019-09-17 Facebook, Inc. Dynamically providing a third-party checkout option
US9613352B1 (en) * 2011-12-20 2017-04-04 Nicolas LEOUTSARAKOS Card-less payments and financial transactions
CA2893709C (en) * 2012-12-07 2020-07-28 Microsec Szamitastechnikai Fejleszto Zrt. Method and system for authenticating a user using a mobile device and by means of certificates
US9391881B2 (en) * 2013-02-20 2016-07-12 Ip Technology Labs, Llc System and methods for dynamic network address modification
US10496986B2 (en) * 2013-08-08 2019-12-03 Visa International Service Association Multi-network tokenization processing
US9953311B2 (en) * 2013-09-25 2018-04-24 Visa International Service Association Systems and methods for incorporating QR codes
US8949142B1 (en) * 2013-12-19 2015-02-03 Opentable, Inc. Mobile payments integrated with a booking system
US10049352B2 (en) * 2015-02-18 2018-08-14 Apriva, Llc Method and system for processing a mobile payment transaction
AU2017214412A1 (en) * 2016-02-01 2018-06-28 Visa International Service Association Systems and methods for code display and use
WO2017204845A1 (en) * 2016-05-27 2017-11-30 Charter Communications Holding Company Secure collection of sensitive data
US20190087815A1 (en) * 2017-09-20 2019-03-21 Mastercard International Incorporated Digital enablement services for merchant qr codes
US10445629B2 (en) * 2017-11-20 2019-10-15 Mastercard International Incorporated Secure QR code service
FR3092186B1 (en) * 2019-01-25 2021-11-12 Msp Media Services Partners Secure marking element and encoding and authentication methods of said marking element

Also Published As

Publication number Publication date
EP3987471A1 (en) 2022-04-27
CN113508413A (en) 2021-10-15
US20220156731A1 (en) 2022-05-19
WO2020256705A1 (en) 2020-12-24
EP3987471A4 (en) 2023-02-08

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