CA3012997C - Procede et dispositif de paiement de certificat electronique - Google Patents

Procede et dispositif de paiement de certificat electronique Download PDF

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Publication number
CA3012997C
CA3012997C CA3012997A CA3012997A CA3012997C CA 3012997 C CA3012997 C CA 3012997C CA 3012997 A CA3012997 A CA 3012997A CA 3012997 A CA3012997 A CA 3012997A CA 3012997 C CA3012997 C CA 3012997C
Authority
CA
Canada
Prior art keywords
electronic certificate
funds
payment
management server
settlement
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.)
Active
Application number
CA3012997A
Other languages
English (en)
Other versions
CA3012997A1 (fr
Inventor
Yi Zhang
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.)
10353744 Canada Ltd
Original Assignee
10353744 Canada Ltd
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 10353744 Canada Ltd filed Critical 10353744 Canada Ltd
Priority to CA3012997A priority Critical patent/CA3012997C/fr
Publication of CA3012997A1 publication Critical patent/CA3012997A1/fr
Application granted granted Critical
Publication of CA3012997C publication Critical patent/CA3012997C/fr
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks

Landscapes

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

Abstract

Une méthode et un dispositif de paiement sont décrits. La méthode comprend : un deuxième serveur de gestion de fonds transmet successivement à un premier serveur de gestion de fonds aux moins deux demandes de paiement envoyées successivement par un deuxième participant concernant le même certificat électronique; le premier serveur de gestion de fonds reçoit successivement les deux demandes de paiement, détermine pour chaque demande si le montant de la demande est plus petit ou égal au montant restant du certificat électronique et, dans laffirmative, exécute le paiement associé au certificat électronique. Selon la méthode de paiement, les paiements sont effectués au moyen dun certificat électronique pour réduire le risque transactionnel et de multiples paiements peuvent être effectués pour le même certificat électronique, cest-à-dire mettre en uvre les paiements uniques et multiples. Il nest donc pas nécessaire pour lacheteur, après avoir effectué un paiement, douvrir un nouveau certificat pour le prochain paiement. La méthode simplifie le procédé de paiement et protège les intérêts financiers du premier et du deuxième participant.
CA3012997A 2015-07-21 2015-07-21 Procede et dispositif de paiement de certificat electronique Active CA3012997C (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CA3012997A CA3012997C (fr) 2015-07-21 2015-07-21 Procede et dispositif de paiement de certificat electronique

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
CA2994571A CA2994571C (fr) 2015-07-21 2015-07-21 Procede et dispositif de paiement de certificat electronique
PCT/CN2015/084619 WO2017012037A1 (fr) 2015-07-21 2015-07-21 Procédé et dispositif de paiement de certificat électronique
CA3012997A CA3012997C (fr) 2015-07-21 2015-07-21 Procede et dispositif de paiement de certificat electronique

Related Parent Applications (1)

Application Number Title Priority Date Filing Date
CA2994571A Division CA2994571C (fr) 2015-07-21 2015-07-21 Procede et dispositif de paiement de certificat electronique

Publications (2)

Publication Number Publication Date
CA3012997A1 CA3012997A1 (fr) 2017-01-26
CA3012997C true CA3012997C (fr) 2022-06-21

Family

ID=57348132

Family Applications (2)

Application Number Title Priority Date Filing Date
CA2994571A Active CA2994571C (fr) 2015-07-21 2015-07-21 Procede et dispositif de paiement de certificat electronique
CA3012997A Active CA3012997C (fr) 2015-07-21 2015-07-21 Procede et dispositif de paiement de certificat electronique

Family Applications Before (1)

Application Number Title Priority Date Filing Date
CA2994571A Active CA2994571C (fr) 2015-07-21 2015-07-21 Procede et dispositif de paiement de certificat electronique

Country Status (3)

Country Link
CN (1) CN106164957A (fr)
CA (2) CA2994571C (fr)
WO (1) WO2017012037A1 (fr)

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7707119B2 (en) * 2005-06-19 2010-04-27 Frederick Foster System and method for identity protected secured purchasing
CN101377838A (zh) * 2007-08-30 2009-03-04 北京方维银通科技有限公司 一种数据安全处理方法
CN103489104A (zh) * 2013-09-18 2014-01-01 俞强华 安全支付方法及系统

Also Published As

Publication number Publication date
CA2994571C (fr) 2018-09-11
CN106164957A (zh) 2016-11-23
WO2017012037A1 (fr) 2017-01-26
CA2994571A1 (fr) 2017-01-26
CA3012997A1 (fr) 2017-01-26

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