EP3427212A4 - Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments - Google Patents

Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments Download PDF

Info

Publication number
EP3427212A4
EP3427212A4 EP17762362.6A EP17762362A EP3427212A4 EP 3427212 A4 EP3427212 A4 EP 3427212A4 EP 17762362 A EP17762362 A EP 17762362A EP 3427212 A4 EP3427212 A4 EP 3427212A4
Authority
EP
European Patent Office
Prior art keywords
systems
methods
devices
processing
data sets
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.)
Ceased
Application number
EP17762362.6A
Other languages
German (de)
French (fr)
Other versions
EP3427212A1 (en
Inventor
Edison U. Ortiz
Terry W. Lee
Marko Pavlovic
Arnold Badal-Badalian
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.)
Royal Bank of Canada
Original Assignee
Royal Bank of Canada
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 Royal Bank of Canada filed Critical Royal Bank of Canada
Priority to EP22173329.8A priority Critical patent/EP4102434A1/en
Publication of EP3427212A1 publication Critical patent/EP3427212A1/en
Publication of EP3427212A4 publication Critical patent/EP3427212A4/en
Ceased legal-status Critical Current

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
    • G06Q20/36—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
    • G06Q20/322—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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in 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
    • G06Q20/327—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

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Information Retrieval, Db Structures And Fs Structures Therefor (AREA)
EP17762362.6A 2016-03-08 2017-03-08 Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments Ceased EP3427212A4 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP22173329.8A EP4102434A1 (en) 2016-03-08 2017-03-08 Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201662305429P 2016-03-08 2016-03-08
PCT/CA2017/000050 WO2017152265A1 (en) 2016-03-08 2017-03-09 Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments

Related Child Applications (1)

Application Number Title Priority Date Filing Date
EP22173329.8A Division EP4102434A1 (en) 2016-03-08 2017-03-08 Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments

Publications (2)

Publication Number Publication Date
EP3427212A1 EP3427212A1 (en) 2019-01-16
EP3427212A4 true EP3427212A4 (en) 2019-10-23

Family

ID=59789362

Family Applications (2)

Application Number Title Priority Date Filing Date
EP17762362.6A Ceased EP3427212A4 (en) 2016-03-08 2017-03-08 Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments
EP22173329.8A Pending EP4102434A1 (en) 2016-03-08 2017-03-08 Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments

Family Applications After (1)

Application Number Title Priority Date Filing Date
EP22173329.8A Pending EP4102434A1 (en) 2016-03-08 2017-03-08 Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments

Country Status (5)

Country Link
EP (2) EP3427212A4 (en)
CN (1) CN109313762B (en)
AU (1) AU2017231106B2 (en)
CA (1) CA3017026A1 (en)
WO (1) WO2017152265A1 (en)

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101963321B1 (en) 2012-09-12 2019-03-28 아이이엑스 그룹, 인크. Transmission latency leveling apparatuses, methods and systems
BR112016024211A2 (en) 2014-04-16 2017-08-15 Iex Group Inc systems and methods for providing up-to-date transaction information
US10706470B2 (en) 2016-12-02 2020-07-07 Iex Group, Inc. Systems and methods for processing full or partially displayed dynamic peg orders in an electronic trading system
CA2958845C (en) 2014-08-22 2022-11-08 Iex Group, Inc. Dynamic peg orders in an electronic trading system
US10311515B2 (en) 2014-09-17 2019-06-04 Iex Group, Inc. System and method for a semi-lit market
WO2018044334A1 (en) 2016-09-02 2018-03-08 Iex Group. Inc. System and method for creating time-accurate event streams
CN109872223B (en) * 2019-02-12 2021-05-28 百度在线网络技术（北京）有限公司 Virtual article transaction method, device, equipment and storage medium
KR102124869B1 (en) * 2019-07-23 2020-06-19 주식회사 코인트래빗 Currency Exchanging Method and Currency Exchanging System
WO2021040904A1 (en) * 2019-08-27 2021-03-04 Mastercard International Incorporated Methods, systems and computer program products for prepayment towards goods or services at point-of-sale terminals
CN113126996B (en) * 2019-12-31 2023-10-20 华控清交信息科技(北京)有限公司 Code auditing method, device and system
CN111738725B (en) 2020-07-31 2020-12-22 支付宝(杭州)信息技术有限公司 Cross-border resource transfer authenticity auditing method and device and electronic equipment
US11537455B2 (en) 2021-01-11 2022-12-27 Iex Group, Inc. Schema management using an event stream

Family Cites Families (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20110166992A1 (en) * 2010-01-06 2011-07-07 Firethorn Holdings, Llc System and method for creating and managing a stored value account associated with a client unique identifier
KR20140038473A (en) * 2011-05-31 2014-03-28 블랙호크 네트워크, 아이엔씨. A system for payment via electronic wallet
US20130060708A1 (en) * 2011-09-06 2013-03-07 Rawllin International Inc. User verification for electronic money transfers
US20130185214A1 (en) * 2012-01-12 2013-07-18 Firethorn Mobile Inc. System and Method For Secure Offline Payment Transactions Using A Portable Computing Device
US20130268440A1 (en) * 2012-03-14 2013-10-10 Doing Good Better, Llc Gift Transaction Processing System and Method
US20130339188A1 (en) * 2012-06-18 2013-12-19 Ebay Inc. Gift token
EP2701415A1 (en) * 2012-08-24 2014-02-26 Raja Kuppuswamy Mobile electronic device and use thereof for electronic transactions
US20140074701A1 (en) * 2012-09-13 2014-03-13 Bank Of America Corporation Physical-virtual gifting via online billpay
US11080701B2 (en) 2015-07-02 2021-08-03 Royal Bank Of Canada Secure processing of electronic payments
US20160019536A1 (en) * 2012-10-17 2016-01-21 Royal Bank Of Canada Secure processing of data
US20160171480A1 (en) * 2013-08-21 2016-06-16 Visa International Service Association Methods and systems for transferring electronic money

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
No further relevant documents disclosed *

Also Published As

Publication number Publication date
AU2023202352A1 (en) 2023-05-11
AU2017231106B2 (en) 2023-01-19
CN109313762B (en) 2023-07-14
WO2017152265A1 (en) 2017-09-14
EP4102434A1 (en) 2022-12-14
CN109313762A (en) 2019-02-05
CA3017026A1 (en) 2017-09-14
AU2017231106A1 (en) 2018-09-27
WO2017152265A8 (en) 2018-09-13
EP3427212A1 (en) 2019-01-16

Similar Documents

Publication Publication Date Title
EP3427212A4 (en) Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments
EP3724789A4 (en) Systems and methods for chatbot generation
EP3721578A4 (en) Methods and systems for recovering data using dynamic passwords
EP3537296A4 (en) Graphic data processing method, device and system
EP3401781A4 (en) Interface generation method, apparatus and system
EP3550480A4 (en) Data processing system and data processing method
EP3324304A4 (en) Data processing method, device and system
EP3493046A4 (en) Data processing system, method, and corresponding device
EP3367086A4 (en) X-ray device, data processing device, and data processing method
EP3540653A4 (en) Data processing system and method
EP3314578A4 (en) Technologies for generating computer models, devices, systems, and methods utilizing the same
EP3487131A4 (en) Cloud-end data multicast method and system, and computer device
EP3371750A4 (en) System and method for rule generation using data processed by binary classifier
EP3419253A4 (en) Data processing method and relevant devices and systems
EP3435185A4 (en) Data processing device, data processing system, data processing method, and program
EP3376399A4 (en) Data processing method, apparatus and system
EP3584990A4 (en) Data processing method, device, and system
EP3496368A4 (en) Data processing method, apparatus, and system
EP3293641A4 (en) Data processing method and system
EP3377965A4 (en) Data processing method, device, and system
EP3099111A4 (en) Data processing method, device and system
EP3324583A4 (en) Data processing method, apparatus and system
EP3442151A4 (en) Data processing method, apparatus and system
EP3605991A4 (en) Data distribution method, device and system
EP3104275A4 (en) Data processing method, device and system

Legal Events

Date Code Title Description
STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: THE INTERNATIONAL PUBLICATION HAS BEEN MADE

PUAI Public reference made under article 153(3) epc to a published international application that has entered the european phase

Free format text: ORIGINAL CODE: 0009012

STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: REQUEST FOR EXAMINATION WAS MADE

17P Request for examination filed

Effective date: 20180907

AK Designated contracting states

Kind code of ref document: A1

Designated state(s): AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR

AX Request for extension of the european patent

Extension state: BA ME

DAV Request for validation of the european patent (deleted)
DAX Request for extension of the european patent (deleted)
A4 Supplementary search report drawn up and despatched

Effective date: 20190920

RIC1 Information provided on ipc code assigned before grant

Ipc: G06Q 20/38 20120101AFI20190916BHEP

Ipc: G06Q 20/40 20120101ALI20190916BHEP

Ipc: G06Q 20/28 20120101ALI20190916BHEP

REG Reference to a national code

Ref country code: HK

Ref legal event code: DE

Ref document number: 40006178

Country of ref document: HK

STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: EXAMINATION IS IN PROGRESS

17Q First examination report despatched

Effective date: 20200706

STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: EXAMINATION IS IN PROGRESS

REG Reference to a national code

Ref country code: DE

Ref legal event code: R003

STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: THE APPLICATION HAS BEEN REFUSED

18R Application refused

Effective date: 20220125