EP3123426A4 - Secure offline payment system - Google Patents

Secure offline payment system Download PDF

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Publication number
EP3123426A4
EP3123426A4 EP15769698.0A EP15769698A EP3123426A4 EP 3123426 A4 EP3123426 A4 EP 3123426A4 EP 15769698 A EP15769698 A EP 15769698A EP 3123426 A4 EP3123426 A4 EP 3123426A4
Authority
EP
European Patent Office
Prior art keywords
payment system
offline payment
secure offline
secure
payment
Prior art date
Legal status (The legal status 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 status listed.)
Withdrawn
Application number
EP15769698.0A
Other languages
German (de)
French (fr)
Other versions
EP3123426A1 (en
Inventor
Fan Jiang
Aneto Pablo OKONKWO
Erwin AITENBICHLER
Iyad ASSAD
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Google LLC
Original Assignee
Google LLC
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
Priority claimed from US14/226,785 external-priority patent/US20150278795A1/en
Priority claimed from US14/226,798 external-priority patent/US20150278796A1/en
Application filed by Google LLC filed Critical Google LLC
Publication of EP3123426A1 publication Critical patent/EP3123426A1/en
Publication of EP3123426A4 publication Critical patent/EP3123426A4/en
Withdrawn legal-status Critical Current

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/405Establishing or using transaction specific rules
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108Remote banking, e.g. home banking
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224Transactions dependent on location of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3272Short range or proximity payments by means of M-devices using an audio code
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367Payment 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
    • G06Q20/3676Balancing accounts
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367Payment 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
    • G06Q20/3678Payment 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 e-cash details, e.g. blinded, divisible or detecting double spending
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821Electronic credentials
    • G06Q20/38215Use of certificates or encrypted proofs of transaction rights
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825Use of electronic signatures
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/403Solvency checks
    • G06Q20/4033Local solvency checks
EP15769698.0A 2014-03-26 2015-03-26 Secure offline payment system Withdrawn EP3123426A4 (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US14/226,785 US20150278795A1 (en) 2014-03-26 2014-03-26 Secure offline payment system
US14/226,798 US20150278796A1 (en) 2014-03-26 2014-03-26 Reserving account balance for concurrent payments in secure offline payment system
PCT/US2015/022831 WO2015148850A1 (en) 2014-03-26 2015-03-26 Secure offline payment system

Publications (2)

Publication Number Publication Date
EP3123426A1 EP3123426A1 (en) 2017-02-01
EP3123426A4 true EP3123426A4 (en) 2017-11-01

Family

ID=54196420

Family Applications (1)

Application Number Title Priority Date Filing Date
EP15769698.0A Withdrawn EP3123426A4 (en) 2014-03-26 2015-03-26 Secure offline payment system

Country Status (7)

Country Link
EP (1) EP3123426A4 (en)
JP (1) JP2017513122A (en)
KR (1) KR20160135799A (en)
CN (1) CN106133769A (en)
AU (2) AU2015235940A1 (en)
CA (1) CA2943810A1 (en)
WO (1) WO2015148850A1 (en)

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US20230196328A1 (en) * 2013-02-14 2023-06-22 Advanced New Technologies Co., Ltd. Data interaction method and device, and offline credit payment method and device
US10192214B2 (en) 2013-03-11 2019-01-29 Google Llc Pending deposit for payment processing system
US10769626B2 (en) 2015-12-17 2020-09-08 Mastercard International Incorporated Method and system for distribution, use and validation of electronic entitlement certificates
CN106997527A (en) * 2016-01-25 2017-08-01 阿里巴巴集团控股有限公司 Credit payment method and device based on mobile terminal P2P
CN106997530B (en) 2016-01-25 2022-10-14 创新先进技术有限公司 Credit payment method and device based on mobile terminal card simulation
CN114240421A (en) 2016-01-25 2022-03-25 创新先进技术有限公司 Credit payment method and device based on mobile terminal eSE
US11354658B2 (en) * 2016-02-11 2022-06-07 Mastercard International Incorporated Method and system for offline blockchain exchanges
EP3293686A1 (en) * 2016-09-07 2018-03-14 Mastercard International, Inc. Method and system for allowing offline peer-2-peer transactions using exchangeable provisioned tokens
KR102205373B1 (en) * 2016-12-02 2021-01-20 구글 엘엘씨 Graphical user interface displaying post-interactive animation
CN108205755A (en) * 2016-12-19 2018-06-26 北京握奇智能科技有限公司 A kind of electronic fare payment system and method
CN106790527A (en) * 2016-12-20 2017-05-31 张峰 Accounts information processing method, system and terminal
CN106875179B (en) * 2017-02-03 2020-12-08 杭州小步科技有限公司 Offline two-dimensional code payment method and system thereof
WO2018151953A1 (en) * 2017-02-15 2018-08-23 Mastercard International Incorporated Offline transaction system and method
US20180260795A1 (en) * 2017-03-13 2018-09-13 Mastercard International Incorporated Method and system for accessing locally stored digital funds
CN107665427A (en) * 2017-08-22 2018-02-06 阿里巴巴集团控股有限公司 A kind of offline electronic payment, business processing, the method and device of payment processes
CN108460593B (en) * 2017-11-01 2022-09-20 福建博思软件股份有限公司 Offline two-dimensional code payment method and device
US11030610B2 (en) 2018-10-02 2021-06-08 International Business Machines Corporation Preauthorization of mobile payments expected in a reduced-functionality state
US10834269B2 (en) 2018-10-02 2020-11-10 International Business Machines Corporation Specialized secondary compartment in a mobile device
EP4239554A3 (en) * 2019-06-10 2023-11-01 Visa International Service Association System, method, and computer program product for exchanging transaction data
CN112241879A (en) * 2019-07-17 2021-01-19 天地融科技股份有限公司 Off-line transaction method and system based on electronic cash
CN110610367B (en) * 2019-08-29 2023-09-05 深圳市元征科技股份有限公司 Transaction data payment method and device, electronic equipment and server
JP6896813B2 (en) 2019-08-30 2021-06-30 株式会社日立製作所 Transaction execution method and system
JP7075917B2 (en) * 2019-10-18 2022-05-26 真敬 森下 Management device, management program, management method, terminal device, and management system
CN110880106A (en) * 2019-10-30 2020-03-13 支付宝(杭州)信息技术有限公司 Method and device for realizing double offline payment
SE1951426A1 (en) * 2019-12-11 2021-06-12 Trust Anchor Group Ipr Ab Method for performing an offline transaction
WO2021154136A1 (en) * 2020-01-29 2021-08-05 Crunchfish Digital Cash Ab Method, system, devices and computer program products for handling digital payments between payers and payees being in physical proximity to each other
WO2022173360A1 (en) * 2021-02-12 2022-08-18 Crunchfish Digital Cash Ab Payment service provider interoperability for digital payments
SE544227C2 (en) * 2021-02-12 2022-03-08 Crunchfish Digital Cash Ab Payment service provider interoperability for offline digital payments
WO2022216216A1 (en) * 2021-04-08 2022-10-13 Crunchfish Digital Cash Ab Method and system for offline electronic card payments
WO2022231471A1 (en) * 2021-04-28 2022-11-03 Акционерное общество "Национальная система платежных карт" System and method for a cashless transfer of gratuity merged with an order payment
CN113850579A (en) * 2021-09-27 2021-12-28 支付宝(杭州)信息技术有限公司 Offline payment authorization, offline payment and collection method and device
FR3130055A1 (en) * 2021-12-02 2023-06-09 Banks And Acquirers International Holding Method of carrying out a transaction, corresponding devices and programs.

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US5694471A (en) * 1994-08-03 1997-12-02 V-One Corporation Counterfeit-proof identification card
EP1783623A1 (en) * 2004-07-22 2007-05-09 Matsushita Electric Industrial Co., Ltd. Electronic value, electronic purse device, and system for using the same
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US5694471A (en) * 1994-08-03 1997-12-02 V-One Corporation Counterfeit-proof identification card
EP1783623A1 (en) * 2004-07-22 2007-05-09 Matsushita Electric Industrial Co., Ltd. Electronic value, electronic purse device, and system for using the same
US8117453B2 (en) * 2005-11-23 2012-02-14 Proton World International N.V. Customization of an electronic circuit

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Title
See also references of WO2015148850A1 *

Also Published As

Publication number Publication date
CA2943810A1 (en) 2015-10-01
KR20160135799A (en) 2016-11-28
WO2015148850A1 (en) 2015-10-01
JP2017513122A (en) 2017-05-25
EP3123426A1 (en) 2017-02-01
AU2015235940A1 (en) 2016-09-01
CN106133769A (en) 2016-11-16
AU2018201795A1 (en) 2018-04-05

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