CA3052074A1 - Financement securise de paiements electroniques - Google Patents

Financement securise de paiements electroniques Download PDF

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Publication number
CA3052074A1
CA3052074A1 CA3052074A CA3052074A CA3052074A1 CA 3052074 A1 CA3052074 A1 CA 3052074A1 CA 3052074 A CA3052074 A CA 3052074A CA 3052074 A CA3052074 A CA 3052074A CA 3052074 A1 CA3052074 A1 CA 3052074A1
Authority
CA
Canada
Prior art keywords
payment
transaction
account
merchant
user
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.)
Pending
Application number
CA3052074A
Other languages
English (en)
Inventor
Edison U. Ortiz
Anuradha Devi DODDA
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
Publication of CA3052074A1 publication Critical patent/CA3052074A1/fr
Pending legal-status Critical Current

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
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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

Landscapes

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

Abstract

L'invention concerne des systèmes (100, 900), des procédés et des structures de données exécutables par machine pour le traitement de données, destinés à la création, l'administration, la manipulation, le traitement et la mémorisation sécurisés de données électroniques utiles au traitement de transactions de paiement électroniques et d'autres processus de données sécurisés. Des aspects de ces procédés, systèmes (100) et structures de données permettent la désignation par des utilisateurs de contrôleurs de transaction (110) de critères logiques à appliquer dans la génération d'ensembles de données identifiant des ensembles préférés de compte(s) financier(s) à appliquer en termes de satisfaction de transactions de paiement électronique traitées sur des réseaux de communication de données (200) entre des systèmes d'administration de compte (120 160), et des systèmes de commerçant (130), à l'avance ou au moment des transactions.
CA3052074A 2017-01-31 2018-01-31 Financement securise de paiements electroniques Pending CA3052074A1 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US201762452629P 2017-01-31 2017-01-31
US62/452,629 2017-01-31
PCT/CA2018/000017 WO2018141047A1 (fr) 2017-01-31 2018-01-31 Financement sécurisé de paiements électroniques

Publications (1)

Publication Number Publication Date
CA3052074A1 true CA3052074A1 (fr) 2018-08-09

Family

ID=63039267

Family Applications (1)

Application Number Title Priority Date Filing Date
CA3052074A Pending CA3052074A1 (fr) 2017-01-31 2018-01-31 Financement securise de paiements electroniques

Country Status (2)

Country Link
CA (1) CA3052074A1 (fr)
WO (1) WO2018141047A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20230230067A1 (en) * 2022-01-20 2023-07-20 VocaLink Limited Tokenized control of personal data

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP3471038A1 (fr) * 2017-10-13 2019-04-17 Mastercard International Incorporated Authentification d'utilisateur et organisation de transaction
US11605065B2 (en) 2018-08-24 2023-03-14 Mastercard International Incorporated Systems and methods for secure remote commerce
US11636473B2 (en) * 2018-11-08 2023-04-25 International Business Machines Corporation Altering account numbers into invalid account numbers for secure transmission and storage
US11475446B2 (en) 2018-12-28 2022-10-18 Mastercard International Incorporated System, methods and computer program products for identity authentication for electronic payment transactions
US11494769B2 (en) 2019-01-10 2022-11-08 Mastercard International Incorporated System, methods and computer program products for identity authentication for electronic payment transactions
CN110689398B (zh) * 2019-08-29 2021-08-10 合肥工业大学 基于区块链的居民微电网电力交易管理系统
SG10201908437PA (en) * 2019-09-12 2021-04-29 Mastercard Labs Kenya Holdings Pte Ltd Methods and systems for facilitating microcredit for processing a payment transaction
CN111177259A (zh) * 2019-12-13 2020-05-19 杭州复杂美科技有限公司 平行链交易加密方法、设备和存储介质

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US12260396B2 (en) * 2010-01-08 2025-03-25 Blackhawk Network, Inc. System for payment via electronic wallet
US8380177B2 (en) * 2010-04-09 2013-02-19 Paydiant, Inc. Mobile phone payment processing methods and systems
CN105684010B (zh) * 2013-08-15 2021-04-20 维萨国际服务协会 使用安全元件的安全远程支付交易处理

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20230230067A1 (en) * 2022-01-20 2023-07-20 VocaLink Limited Tokenized control of personal data
US12086792B2 (en) * 2022-01-20 2024-09-10 VocaLink Limited Tokenized control of personal data

Also Published As

Publication number Publication date
WO2018141047A1 (fr) 2018-08-09

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