WO2015028435A3 - Procede de traitement de donnees transactionnelles, dispositifs et programmes d'ordinateur corrrespondants - Google Patents

Procede de traitement de donnees transactionnelles, dispositifs et programmes d'ordinateur corrrespondants Download PDF

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Publication number
WO2015028435A3
WO2015028435A3 PCT/EP2014/068017 EP2014068017W WO2015028435A3 WO 2015028435 A3 WO2015028435 A3 WO 2015028435A3 EP 2014068017 W EP2014068017 W EP 2014068017W WO 2015028435 A3 WO2015028435 A3 WO 2015028435A3
Authority
WO
WIPO (PCT)
Prior art keywords
server
transaction
digital wallet
ipn
identifier
Prior art date
Application number
PCT/EP2014/068017
Other languages
English (en)
Other versions
WO2015028435A2 (fr
Inventor
Michel Leger
Original Assignee
Compagnie Industrielle Et Financiere D'ingenierie "Ingenico"
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 Compagnie Industrielle Et Financiere D'ingenierie "Ingenico" filed Critical Compagnie Industrielle Et Financiere D'ingenierie "Ingenico"
Priority to US14/915,539 priority Critical patent/US20160210617A1/en
Priority to CA2921193A priority patent/CA2921193A1/fr
Priority to EP14761809.4A priority patent/EP3039628A2/fr
Publication of WO2015028435A2 publication Critical patent/WO2015028435A2/fr
Publication of WO2015028435A3 publication Critical patent/WO2015028435A3/fr

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
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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
    • G06Q20/3278—RFID or NFC 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
    • G06Q20/30—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
    • 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
    • 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
    • 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
    • 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
    • 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
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention se rapporte à un procédé de traitement d'une transaction au sein d'un serveur. Selon l'invention, un tel procédé comprend : - une étape de réception (100) d'une requête de traitement (RqT), en provenance d'un terminal de paiement (TP), connecté audit serveur (SI) par l'intermédiaire d'un réseau de communication; - une étape d'analyse (200) de ladite requête de traitement (RqT) délivrant au moins un identifiant d'un portefeuille numérique (IPN) et un identifiant d'un utilisateur de portefeuille numérique (IU PN). - une étape de mise en œuvre (300) d'une transaction de paiement à partir dudit identifiant d'un portefeuille numérique (IPN) et dudit identifiant dudit utilisateur de portefeuille numérique (IUPN) et d'au moins un paramètre spécifique (PrS) à un serveur transactionnel (ST) associé audit identifiant de portefeuille numérique (IPN), et connecté audit serveur par un réseau de communication. - une étape de réception (400), en provenance du serveur transactionnel (ST), d'une donnée représentative de l'acceptation ou du refus de la transaction, dite donnée de finalisation (DF). - Une étape de transmission (500) de cette donnée de finalisation(DF) audit terminal de paiement (TP).
PCT/EP2014/068017 2013-08-29 2014-08-26 Procede de traitement de donnees transactionnelles, dispositifs et programmes d'ordinateur corrrespondants WO2015028435A2 (fr)

Priority Applications (3)

Application Number Priority Date Filing Date Title
US14/915,539 US20160210617A1 (en) 2013-08-29 2014-08-26 Method for processing transactional data, corresponding devices and computer programs
CA2921193A CA2921193A1 (fr) 2013-08-29 2014-08-26 Procede de traitement de donnees transactionnelles, dispositifs et programmes d'ordinateur corrrespondants
EP14761809.4A EP3039628A2 (fr) 2013-08-29 2014-08-26 Procede de traitement de donnees transactionnelles, dispositifs et programmes d'ordinateur corrrespondants

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR1358276 2013-08-29
FR1358276A FR3010215B1 (fr) 2013-08-29 2013-08-29 Procede de traitement de donnees transactionnelles, dispositifs et programmes d'ordinateur correspondants.

Publications (2)

Publication Number Publication Date
WO2015028435A2 WO2015028435A2 (fr) 2015-03-05
WO2015028435A3 true WO2015028435A3 (fr) 2015-07-16

Family

ID=50069020

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/EP2014/068017 WO2015028435A2 (fr) 2013-08-29 2014-08-26 Procede de traitement de donnees transactionnelles, dispositifs et programmes d'ordinateur corrrespondants

Country Status (5)

Country Link
US (1) US20160210617A1 (fr)
EP (1) EP3039628A2 (fr)
CA (1) CA2921193A1 (fr)
FR (1) FR3010215B1 (fr)
WO (1) WO2015028435A2 (fr)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10366387B2 (en) * 2013-10-29 2019-07-30 Visa International Service Association Digital wallet system and method
US10382586B2 (en) * 2014-05-07 2019-08-13 TreSensa Inc. Coordinating services across multiple providers
SG10202109555WA (en) 2016-02-23 2021-09-29 Nchain Holdings Ltd Agent-based turing complete transactions integrating feedback within a blockchain system
SG10201805995VA (en) 2016-02-23 2018-08-30 Nchain Holdings Ltd Determining a common secret for the secure exchange of information and hierarchical, deterministic cryptographic keys
EP3257191B1 (fr) 2016-02-23 2018-04-11 Nchain Holdings Limited Registre et procédé de gestion automatisée pour contrats intelligents appliqués par chaîne de blocs
BR112018016234A2 (pt) * 2016-02-23 2019-01-02 Nchain Holdings Ltd método implementado por computador para controlar o acesso a um recurso, sistemas baseados em computador e método para controle de acesso a uma carteira digital
US11651343B2 (en) * 2016-07-06 2023-05-16 PowerPay, LLC Systems and method for payment transaction processing with payment application driver
US11449837B2 (en) 2018-05-30 2022-09-20 Launch Tech Co., Ltd. Maintenance equipment management method, system and data management server

Citations (4)

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Publication number Priority date Publication date Assignee Title
US5696909A (en) * 1995-01-27 1997-12-09 Hypercom, Inc. Virtual POS terminal
WO2001039072A1 (fr) * 1999-11-23 2001-05-31 U.S. Wireless Data, Inc. Traitement de transactions utilisant une architecture de serveurs intermediaires
US20020046185A1 (en) * 2000-08-30 2002-04-18 Jean-Marc Villart System and method conducting POS transactions
US20080270514A1 (en) * 2004-05-25 2008-10-30 Alexandre Soares Pi Farias System for Accessing a Pos Terminal, Method for Downloading and Updating Applications and Method for Performing Electronic Operation Using Such a System

Family Cites Families (7)

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Publication number Priority date Publication date Assignee Title
CA2492715C (fr) * 2002-06-12 2016-12-06 Cardinalcommerce Corporation Plate-forme commerciale universelle pour une authentification de paiement
US8756412B2 (en) * 2010-04-16 2014-06-17 Honeywell International Inc. Gateway supporting transparent redundancy in process control systems and other systems and related method
EP2378451B1 (fr) * 2010-04-19 2018-07-04 Vodafone Holding GmbH Authentification d'utilisateur dans un service à base d'étiquettes
US20130060682A1 (en) * 2010-05-25 2013-03-07 Nec Soft, Ltd. Method for managing payment means over a network using electronic wallet, payment means management device, and payment means management program
US10290018B2 (en) * 2011-11-09 2019-05-14 Visa International Service Association Systems and methods to communicate with users via social networking sites
KR101509854B1 (ko) * 2012-02-23 2015-04-08 현대자동차주식회사 관심 공간을 이용한 공간 매칭 방법 및 장치
US9092767B1 (en) * 2013-03-04 2015-07-28 Google Inc. Selecting a preferred payment instrument

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5696909A (en) * 1995-01-27 1997-12-09 Hypercom, Inc. Virtual POS terminal
WO2001039072A1 (fr) * 1999-11-23 2001-05-31 U.S. Wireless Data, Inc. Traitement de transactions utilisant une architecture de serveurs intermediaires
US20020046185A1 (en) * 2000-08-30 2002-04-18 Jean-Marc Villart System and method conducting POS transactions
US20080270514A1 (en) * 2004-05-25 2008-10-30 Alexandre Soares Pi Farias System for Accessing a Pos Terminal, Method for Downloading and Updating Applications and Method for Performing Electronic Operation Using Such a System

Also Published As

Publication number Publication date
US20160210617A1 (en) 2016-07-21
FR3010215A1 (fr) 2015-03-06
EP3039628A2 (fr) 2016-07-06
WO2015028435A2 (fr) 2015-03-05
FR3010215B1 (fr) 2016-12-30
CA2921193A1 (fr) 2015-03-05

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