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1. (WO2019067472) SECURE OFFLINE TRANSACTION SYSTEM USING DIGITAL TOKENS AND A SECURE LEDGER DATABASE
Latest bibliographic data on file with the International Bureau    Submit observation

Pub. No.: WO/2019/067472 International Application No.: PCT/US2018/052721
Publication Date: 04.04.2019 International Filing Date: 25.09.2018
IPC:
G06Q 20/06 (2012.01) ,G06Q 20/16 (2012.01) ,G06Q 20/22 (2012.01) ,G06Q 20/32 (2012.01) ,G06Q 20/36 (2012.01) ,G06Q 20/38 (2012.01) ,G06Q 20/40 (2012.01) ,H04L 9/32 (2006.01) ,H04W 12/04 (2009.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
04
Payment circuits
06
Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
08
Payment architectures
16
Payments settled via telecommunication systems
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
22
Payment schemes or models
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
30
characterised by the use of specific devices
32
using wireless devices
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
30
characterised by the use of specific devices
36
using electronic wallets or electronic money safes
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
40
Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
H ELECTRICITY
04
ELECTRIC COMMUNICATION TECHNIQUE
L
TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9
Arrangements for secret or secure communication
32
including means for verifying the identity or authority of a user of the system
H ELECTRICITY
04
ELECTRIC COMMUNICATION TECHNIQUE
W
WIRELESS COMMUNICATION NETWORKS
12
Security arrangements, e.g. access security or fraud detection; Authentication, e.g. verifying user identity or authorisation; Protecting privacy or anonymity
04
Key management
Applicants:
PAYPAL, INC. [US/US]; 2211 North First Street San Jose, California 95131, US
Inventors:
GOVINDARAJAN, Satish Narayan; US
URUTHIRALINGAM, Anantharaj; US
RIVAS, Carlos; US
NANDIRAJU, Srikanth; US
Agent:
CHEN, Tom; US
Priority Data:
15/716,01326.09.2017US
Title (EN) SECURE OFFLINE TRANSACTION SYSTEM USING DIGITAL TOKENS AND A SECURE LEDGER DATABASE
(FR) SYSTÈME DE TRANSACTION HORS LIGNE SÉCURISÉE À L'AIDE DE JETONS NUMÉRIQUES ET D'UNE BASE DE DONNÉES DE GRAND LIVRE SÉCURISÉ
Abstract:
(EN) A payer transaction device enables secure offline transactions using a secure element providing a payer account database, a ledger database, and a wallet application. While the payer transaction device is not connected to the Internet, the wallet application receives a payee identifier and a transaction amount and verifies the amount is less than an available payer account balance in the payer account database. In response, the wallet application creates a digital token that allocates the amount from the payer account balance to the payee identifier and records the digital token in a payer ledger in the ledger database, which reduces the available payer account balance by the amount. The wallet application then transfers the digital token to a payee transaction device over a peer-to-peer wireless connection and, subsequently, the digital token is synchronized with a ledger tracking system through the Internet.
(FR) L'invention concerne un dispositif de transaction de payeur permettant des transactions hors ligne sécurisées à l'aide d'un élément sécurisé fournissant une base de données de compte de payeur, une base de données de grand livre et une application de portefeuille. Tandis que le dispositif de transaction de payeur n'est pas connecté à Internet, l'application de portefeuille reçoit un identifiant de bénéficiaire et un montant de transaction et vérifie que le montant est bien inférieur au solde disponible de compte de payeur dans la base de données de compte de payeur. En réponse, l'application de portefeuille crée un jeton numérique qui attribue le montant du solde de compte de payeur à l'identifiant de bénéficiaire et qui enregistre le jeton numérique dans un grand livre de payeur dans la base de données de grand livre, ce qui réduit le solde disponible de compte de payeur selon la hauteur du montant. L'application de portefeuille transfère ensuite le jeton numérique à un dispositif de transaction de bénéficiaire sur une connexion sans fil poste à poste et, par la suite, le jeton numérique est synchronisé avec un système de suivi de grand livre par l'intermédiaire de l'Internet.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)