EP3559883A1 - Système de paiement hors ligne en argent électronique avec un appareil mobile avec un temps de transaction et un règlement de clôture courts - Google Patents
Système de paiement hors ligne en argent électronique avec un appareil mobile avec un temps de transaction et un règlement de clôture courtsInfo
- Publication number
- EP3559883A1 EP3559883A1 EP17835630.9A EP17835630A EP3559883A1 EP 3559883 A1 EP3559883 A1 EP 3559883A1 EP 17835630 A EP17835630 A EP 17835630A EP 3559883 A1 EP3559883 A1 EP 3559883A1
- Authority
- EP
- European Patent Office
- Prior art keywords
- terminal
- money
- token
- payment
- donation
- 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
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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
-
- 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
- G06Q20/30—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
- G06Q20/30—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
- G06Q20/3678—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 e-cash details, e.g. blinded, divisible or detecting double spending
Definitions
- the server (7) stores the telegrams received by the devices (2, 2 "), processes them, blocks at least one device (2, 2") for the system (1), and other telegrams via the devices (2, 2 ") to the terminal (5), and / or
- the load token TL (41) is stored on the device (2) and comprises at least the amount of a credit note of the electronic money (4 * ) stored on the device (2),
- At least one server (7) At least one server (7).
- the electronic money (4) preferably used in the system (1) according to the invention is the electronic money (4 * ) used according to the invention and / or according to the invention.
- the secure payment with electronic money (4) in the inventive system (1) and with the inventive method is preferably contactless, ie that a radio link between the device (2) and / or the smart card (6) with the terminal (5) is necessary ,
- the pool account typically has no knowledge of the e-money (4, 4 * ) accounts on the individual devices (2, 2 ") and is not informed about the individual payment transactions and has no significance for the execution of a final settlement.
- the book or paper money on the pool account belongs, for example, to the operator of the charging station or to a financial institution, but not to the owner of the device (2) and therefore the e-money (4, 4 * )
- the pool account is also irrelevant in the case of a payment process If e-money (4) is paid for using the device (2) and / or smartcard (6), the value of the purchased goods will become the e-money (4) on the device (2) or on the smartcard (6) subtracted and the terminal (5) or the attached to the terminal (5) or connected cash register - and thus the seller - credited.
- the information on this transfer, ie the payment process is transmitted to the server (7) , which can then cause the seller to de credited to the cash register Amount transferred from the pool account, for example, as book money to the bank account of
- the information on the payment process can be transmitted from the terminal (5), for example by means of NFC to the device (2), but not from the device (2) to the server (7 ) and not from the terminal (5) to the server (7).
- this information may be available at a later time, i. if the device (2) again can establish a connection with the server (7) and thus online, be transmitted from the device (2) to the server (7).
- the terminal (5) also stores transacted transactions for billing and control purposes, and sends the stored transactions as transaction telegrams via the device (2) and / or the plurality of devices (2 ") to the server (7). 5) are commercially available and known in the art.
- the value of goods represented in the donation token TS (42) is subtracted from the balance on the device (2) and / or the smartcard (6) and at the same time credited to the terminal (5), the credit on the device (2) being represented by the difference all load tokens TL (41) and donation tokens TS (42) stored on the device (2) are represented and the credit in the terminal (5) is represented by the newly created donation token TS (42).
- the e-money (4 * ) stored on the device (2) after payment transactions at a plurality of terminals (5) for each currency comprises i) a load token (41) and ii) for each terminal (5 ) another donation token (42) and thus a plurality of donation tokens (42).
- the electronic money (4 * ) and / or the electronic money (4 * ) preferably used according to the invention are based on at least two different hash chains.
- a first hash chain comprises at least one load token TL (41), possibly the older load tokens (41) as a history, and optionally at least one donation token (42).
- a second hash chain comprises at least one donation token TS (42) of the first hash chain and possibly the older donation tokens (42) as a history.
- the inventive method for secure payment with e-money (4, 4 * ) with the device (2) with the inventive system (1) comprises at least one of the following steps a) to d). If the method comprises two or more of the following steps, the steps may be performed in any order and / or concurrently. be combined.
- Step a) of the method according to the invention comprises the storage of electronic money (4 * ) preferably used in the system (1) on the device (2) and / or a terminal (5), the preferably used electronic money (4 * ) at least one load token TL (41) and after a first transaction also at least one donation token TS (42).
- At least the device (2) and / or one of the multiplicity of devices (2 ") reestablishes a connection to the server (7) within a few hours or at the latest after a few days, whereby the at least one telegram
- the device (2) and / or at least one of the multiplicity of devices (2 ") receive a telegram with the acknowledgment of receipt at the same time, ie with a short time delay.
- the payment process at the terminal (5) by means of a smart card (6) the payment process is offline because the smart card (6) can not communicate with the server (7).
- the terminal (5) transmits after completion of the payment process with the smart card (6) at least one subsequent payment transaction with at least one device (2, 2 ") at least one telegram of the payment process with the smart card (6) to the at least one device (2, 2 "). This transmission to at least one device (2, 2 ") lasts until the terminal (5) has received a telegram from the server (7) with the acknowledgment of receipt.
- the server can block the device (2, 2") by sending corresponding telegrams to the devices (2, 2 "). These transmit the telegrams to at least one, preferably to a plurality of, in particular to all, terminal 5.
- the terminals (5) recognize a locked device (2). analogously forward other telegrams with, for example, control information about the devices (2, 2 ") to the terminal (5). This further increases the safety standard of the system (1) and acts preventatively against abuse and forgery.
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP16205267 | 2016-12-20 | ||
PCT/EP2017/082995 WO2018114654A1 (fr) | 2016-12-20 | 2017-12-15 | Système de paiement hors ligne en argent électronique avec un appareil mobile avec un temps de transaction et un règlement de clôture courts |
Publications (1)
Publication Number | Publication Date |
---|---|
EP3559883A1 true EP3559883A1 (fr) | 2019-10-30 |
Family
ID=57614171
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP17835630.9A Ceased EP3559883A1 (fr) | 2016-12-20 | 2017-12-15 | Système de paiement hors ligne en argent électronique avec un appareil mobile avec un temps de transaction et un règlement de clôture courts |
Country Status (4)
Country | Link |
---|---|
US (1) | US20190347626A1 (fr) |
EP (1) | EP3559883A1 (fr) |
CN (1) | CN110088791A (fr) |
WO (1) | WO2018114654A1 (fr) |
Families Citing this family (10)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US11704663B2 (en) * | 2017-03-31 | 2023-07-18 | Vijay Madisetti | Method and system for blockchain-based vehicle identifiers and wallets for decentralized payments |
CN107665427A (zh) | 2017-08-22 | 2018-02-06 | 阿里巴巴集团控股有限公司 | 一种离线支付、业务处理、支付处理的方法及装置 |
WO2019185791A1 (fr) | 2018-03-29 | 2019-10-03 | Pbv Kaufmann Systeme Gmbh | Système de stockage, de distribution et de transmission hors ligne de manière contractuelle et sans glissement de valeurs électroniques avec un appareil mobile avec un court temps de transaction |
US10924269B1 (en) * | 2018-08-02 | 2021-02-16 | Inphi Corporation | Compact optical module integrated for communicating cryptocurrency transaction |
US11501278B2 (en) * | 2019-08-09 | 2022-11-15 | KoamTad, Inc. | Internet of things (IoT) box for mobile payment retail system and in store mobile charging solution |
CN110827146A (zh) * | 2019-10-23 | 2020-02-21 | 支付宝(杭州)信息技术有限公司 | 数字货币交易的执行方法及装置和电子设备 |
CN112308546A (zh) * | 2020-05-18 | 2021-02-02 | 神州融安科技(北京)有限公司 | 一种离线数字货币收单***及方法 |
CN111899007B (zh) * | 2020-08-10 | 2024-01-26 | 天翼电子商务有限公司 | 数字货币双离线支付方法及支付*** |
CN113052984B (zh) * | 2021-03-09 | 2023-06-30 | 西安艾润物联网技术服务有限责任公司 | 一种基于数字货币支付的车辆通行管理方法、装置及*** |
CN115564414B (zh) * | 2022-08-22 | 2023-06-06 | 昆明理工大学 | 一种数字货币双离线交易方法及*** |
Family Cites Families (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2002084569A1 (fr) * | 2001-03-29 | 2002-10-24 | Ebestcard Ltd. | Systeme et procede de transactions a cartes en ligne et/ou hors ligne |
US20160171480A1 (en) * | 2013-08-21 | 2016-06-16 | Visa International Service Association | Methods and systems for transferring electronic money |
US11250391B2 (en) | 2015-01-30 | 2022-02-15 | Visa International Service Association | Token check offline |
-
2017
- 2017-12-15 CN CN201780078450.4A patent/CN110088791A/zh not_active Withdrawn
- 2017-12-15 US US16/464,809 patent/US20190347626A1/en not_active Abandoned
- 2017-12-15 WO PCT/EP2017/082995 patent/WO2018114654A1/fr unknown
- 2017-12-15 EP EP17835630.9A patent/EP3559883A1/fr not_active Ceased
Also Published As
Publication number | Publication date |
---|---|
US20190347626A1 (en) | 2019-11-14 |
WO2018114654A1 (fr) | 2018-06-28 |
CN110088791A (zh) | 2019-08-02 |
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