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 courts

Info

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
Application number
EP17835630.9A
Other languages
German (de)
English (en)
Inventor
Stephan WULLSCHLEGER
Markus Knecht
Dominik GRUNTZ
Christof ARNOSTI
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.)
Pbv Kaufmann Systeme GmbH
Original Assignee
Pbv Kaufmann Systeme GmbH
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 Pbv Kaufmann Systeme GmbH filed Critical Pbv Kaufmann Systeme GmbH
Publication of EP3559883A1 publication Critical patent/EP3559883A1/fr
Ceased 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
    • 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 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
    • G06Q20/30—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 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
    • G06Q20/30—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 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
    • G06Q20/30—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 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
    • G06Q20/30—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

L'invention revendique un système (1) de paiement sécurisé en argent électronique (4) comprenant au moins un appareil mobile (2) avec de l'argent électronique (4), au moins un terminal (5) et au moins un serveur (7). L'argent électronique (4) existe selon un mode de réalisation préféré en tant qu'argent électronique (4*), l'argent électronique (4*) comprenant au moins un justificatif de charge (TL) (41) et éventuellement au moins un justificatif de dépense (TS) (42). En variante ou en plus, le terminal (5) comprend un élément de sécurité (SEALS-SE) (3), l'élément de sécurité (SEALS-SE) (3) étant adapté à la sauvegarde et à la transmission d'argent électronique avec règlement de clôture même avec un appareil (2) sans élément de sécurité (SE) et sans connexion à l'internet au moment du processus de paiement. L'invention décrit également de l'argent électronique (4*) destiné au paiement sécurisé avec l'appareil (2) à un terminal (5) selon le système (1). L'invention revendique également un procédé de paiement sécurisé en argent électronique (4, 4*) avec l'appareil (2), ainsi que l'utilisation du système (1) et d'un élément de sécurité (SEALS-SE) (3) physique dans un terminal (5). Selon l'invention, le terminal (5) et l'appareil (2) ne doivent pas être reliés au serveur (7) au moment d'un processus de paiement pour un règlement de clôture et peuvent ainsi être hors ligne.
EP17835630.9A 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 Ceased EP3559883A1 (fr)

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)

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* Cited by examiner, † Cited by third party
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US11704663B2 (en) * 2017-03-31 2023-07-18 Vijay Madisetti Method and system for blockchain-based vehicle identifiers and wallets for decentralized payments
WO2019028442A1 (fr) * 2017-08-03 2019-02-07 Onli, Inc. Jeton de possession effective évolutif à état d'évolution vérifiable
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
EP3776424A1 (fr) 2018-03-29 2021-02-17 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
DE102019002732A1 (de) * 2019-04-15 2020-10-15 Giesecke+Devrient Gesellschaft mit beschränkter Haftung Verfahren zum direkten Übertragen von elektronischen Münzdatensätzen zwischen Endgeräten sowie Bezahlsystem
DE102019002731A1 (de) * 2019-04-15 2020-10-15 Giesecke+Devrient Gesellschaft mit beschränkter Haftung Gerät zum direkten Übertragen von elektronischen Münzdatensätzen an ein anderes Gerät sowie Bezahlsystem
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
US12099997B1 (en) 2020-01-31 2024-09-24 Steven Mark Hoffberg Tokenized fungible liabilities
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系统及方法
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系统
CN115018479A (zh) * 2021-03-04 2022-09-06 恒宝股份有限公司 数字货币的支付方法、装置、支付设备、终端及存储介质
CN116844247A (zh) * 2021-03-09 2023-10-03 西安艾润物联网技术服务有限责任公司 使用数字货币支付的车辆通行管理方法及系统
CN116109309A (zh) * 2021-11-10 2023-05-12 中国人民银行数字货币研究所 数字货币双离线交易数据传输方法和装置
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系统
EP4579554A1 (fr) * 2023-12-27 2025-07-02 Giesecke+Devrient advance52 GmbH Unité de transaction de jeton sécurisé, unité de fournisseur de service, unité de pont interne, système de transaction de jeton électronique

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US20160224977A1 (en) * 2015-01-30 2016-08-04 Yaasha Sabba Token check offline

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US20040111365A1 (en) * 2001-03-29 2004-06-10 Yong-Nam Hong Card transaction system and method on on-line and /or off-line
AU2014310337A1 (en) * 2013-08-21 2016-01-21 Visa International Service Association Methods and systems for transferring electronic money

Patent Citations (1)

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US20160224977A1 (en) * 2015-01-30 2016-08-04 Yaasha Sabba Token check offline

Also Published As

Publication number Publication date
CN110088791A (zh) 2019-08-02
US20190347626A1 (en) 2019-11-14
WO2018114654A1 (fr) 2018-06-28

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