WO2016001867A3 - Electronic wallet and online payments - Google Patents

Electronic wallet and online payments Download PDF

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Publication number
WO2016001867A3
WO2016001867A3 PCT/IB2015/054989 IB2015054989W WO2016001867A3 WO 2016001867 A3 WO2016001867 A3 WO 2016001867A3 IB 2015054989 W IB2015054989 W IB 2015054989W WO 2016001867 A3 WO2016001867 A3 WO 2016001867A3
Authority
WO
WIPO (PCT)
Prior art keywords
user
communication
electronic wallet
terminal device
online payments
Prior art date
Application number
PCT/IB2015/054989
Other languages
French (fr)
Other versions
WO2016001867A2 (en
Inventor
Samson MUTISYA
Rodney Otieno OCHOLLA
Original Assignee
Tracopay Limited
Poapay Llc
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 Tracopay Limited, Poapay Llc filed Critical Tracopay Limited
Publication of WO2016001867A2 publication Critical patent/WO2016001867A2/en
Publication of WO2016001867A3 publication Critical patent/WO2016001867A3/en

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/29—Payment schemes or models characterised by micropayments
    • 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

Abstract

A system for electronic wallets, comprises a plurality of communication- equipped terminal devices respectively having client software, a communication unit and a user identity associated with said communication-equipped terminal device; and a payment server having a user account for each user, each account associated with a respective terminal device via the user identity, wherein the payment server is configured to associate respective user accounts with any number of bank accounts associated with the same corresponding user. A three-way token based communication is disclosed for online payment.
PCT/IB2015/054989 2014-07-03 2015-07-02 Electronic wallet and online payments WO2016001867A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201462020482P 2014-07-03 2014-07-03
US62/020,482 2014-07-03

Publications (2)

Publication Number Publication Date
WO2016001867A2 WO2016001867A2 (en) 2016-01-07
WO2016001867A3 true WO2016001867A3 (en) 2016-04-07

Family

ID=55020051

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2015/054989 WO2016001867A2 (en) 2014-07-03 2015-07-02 Electronic wallet and online payments

Country Status (1)

Country Link
WO (1) WO2016001867A2 (en)

Families Citing this family (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11037139B1 (en) 2015-03-19 2021-06-15 Wells Fargo Bank, N.A. Systems and methods for smart card mobile device authentication
US11188919B1 (en) 2015-03-27 2021-11-30 Wells Fargo Bank, N.A. Systems and methods for contactless smart card authentication
US10846696B2 (en) * 2015-08-24 2020-11-24 Samsung Electronics Co., Ltd. Apparatus and method for trusted execution environment based secure payment transactions
US11113688B1 (en) 2016-04-22 2021-09-07 Wells Fargo Bank, N.A. Systems and methods for mobile wallet provisioning
EP4216072A1 (en) 2016-04-26 2023-07-26 Umbra Technologies Ltd. Sling-routing logic and load balancing
US11276055B1 (en) 2017-10-11 2022-03-15 Wells Fargo Bank, N.A. Cash delivery service
US11928666B1 (en) 2019-09-18 2024-03-12 Wells Fargo Bank, N.A. Systems and methods for passwordless login via a contactless card
US11228592B1 (en) 2020-04-27 2022-01-18 Identity Reel, LLC Consent-based authorization system
US11423392B1 (en) 2020-12-01 2022-08-23 Wells Fargo Bank, N.A. Systems and methods for information verification using a contactless card

Citations (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070152035A1 (en) * 2005-12-29 2007-07-05 Adams Neil P Method and apparatus for contactless payment authentication
US20080301820A1 (en) * 2007-05-29 2008-12-04 Jon Stevens Offline data delete with false trigger protection
US20090089176A1 (en) * 2007-10-02 2009-04-02 American Express Travel Related Services Company, Inc. Modular electronic wallet
US20090104888A1 (en) * 2007-10-17 2009-04-23 First Data Corporation Onetime Passwords For Mobile Wallets
US20090182674A1 (en) * 2008-01-14 2009-07-16 Amol Patel Facilitating financial transactions with a network device
WO2010035224A2 (en) * 2008-09-23 2010-04-01 Virtual Payment Solutions (Pty) Ltd A transaction method and system
US20100211507A1 (en) * 2008-09-22 2010-08-19 Christian Aabye Over the air update of payment transaction data stored in secure memory
US20130325726A1 (en) * 2011-04-12 2013-12-05 Kenneth D. Tuchman Methods for providing cross-vendor support services
US20140008433A1 (en) * 2006-09-28 2014-01-09 Visa U.S.A. Inc. Mobile payment device
US20140040132A1 (en) * 2011-07-27 2014-02-06 Wanin International Co., Ltd. Mobile device pay method

Patent Citations (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070152035A1 (en) * 2005-12-29 2007-07-05 Adams Neil P Method and apparatus for contactless payment authentication
US20140008433A1 (en) * 2006-09-28 2014-01-09 Visa U.S.A. Inc. Mobile payment device
US20080301820A1 (en) * 2007-05-29 2008-12-04 Jon Stevens Offline data delete with false trigger protection
US20090089176A1 (en) * 2007-10-02 2009-04-02 American Express Travel Related Services Company, Inc. Modular electronic wallet
US20090104888A1 (en) * 2007-10-17 2009-04-23 First Data Corporation Onetime Passwords For Mobile Wallets
US20090182674A1 (en) * 2008-01-14 2009-07-16 Amol Patel Facilitating financial transactions with a network device
US20100211507A1 (en) * 2008-09-22 2010-08-19 Christian Aabye Over the air update of payment transaction data stored in secure memory
WO2010035224A2 (en) * 2008-09-23 2010-04-01 Virtual Payment Solutions (Pty) Ltd A transaction method and system
US20130325726A1 (en) * 2011-04-12 2013-12-05 Kenneth D. Tuchman Methods for providing cross-vendor support services
US20140040132A1 (en) * 2011-07-27 2014-02-06 Wanin International Co., Ltd. Mobile device pay method

Also Published As

Publication number Publication date
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