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1. WO2019174411 - PAYMENT METHOD, APPARATUS AND DEVICE

Publication Number WO/2019/174411
Publication Date 19.09.2019
International Application No. PCT/CN2019/072976
International Filing Date 24.01.2019
IPC
G06Q 20/40 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, 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
CPC
G06F 16/9537
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
16Information retrieval; Database structures therefor; File system structures therefor
90Details of database functions independent of the retrieved data types
95Retrieval from the web
953Querying, e.g. by the use of web search engines
9537Spatial or temporal dependent retrieval, e.g. spatiotemporal queries
G06Q 20/02
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
02involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/10
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
08Payment architectures
10specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 20/3224
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices ; or networks
32using wireless devices
322Aspects of commerce using mobile devices [M-devices]
3224Transactions dependent on location of M-devices
G06Q 20/327
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices ; or networks
32using wireless devices
327Short range or proximity payments by means of M-devices
G06Q 20/3829
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
382insuring higher security of transaction
3829involving key management
Applicants
  • 创新先进技术有限公司 ADVANCED NEW TECHNOLOGIES CO., LTD.
Inventors
  • 张仕奇 ZHANG, Shiqi
Agents
  • 北京博思佳知识产权代理有限公司 BEIJING BESTIPR INTELLECTUAL PROPERTY LAW CORPORATION
Priority Data
201810220318.916.03.2018CN
Publication Language Chinese (zh)
Filing Language Chinese (ZH)
Designated States
Title
(EN) PAYMENT METHOD, APPARATUS AND DEVICE
(FR) PROCÉDÉ, APPAREIL ET DISPOSITIF DE PAIEMENT
(ZH) 支付方法、装置及设备
Abstract
(EN) A payment method, an apparatus and a device. During a face-to-face payment, a terminal of a first user locates itself, and then the location information and payment information is sent to a server terminal together, the server terminal generates a corresponding payment password and returns same to the first user. Then, the first user communicates the payment password to a second user, and the second user uploads their own location and the payment password onto the server terminal. The server terminal performs matching or querying within a certain range according to the location of the second user, to find whether there is the same payment password. If the matching or querying is successful, then the payment is performed.
(FR) La présente invention concerne un procédé, un appareil et un dispositif de paiement. Pendant un paiement face à face, un terminal d'un premier utilisateur se localise lui-même, puis les informations de localisation et les informations de paiement sont envoyées à un terminal serveur conjointement, le terminal serveur génère un mot de passe de paiement correspondant et le renvoie au premier utilisateur. Ensuite, le premier utilisateur communique le mot de passe de paiement à un second utilisateur, et le second utilisateur télécharge leur propre localisation et le mot de passe de paiement sur le terminal serveur. Le terminal serveur effectue une mise en correspondance ou une interrogation dans une certaine plage en fonction de la localisation du second utilisateur, pour trouver s'il existe ou non le même mot de passe de paiement. Si la correspondance ou l'interrogation est réussie, alors le paiement est effectué.
(ZH) 一种支付方法、装置和设备。在当面支付时,通过第一用户的终端定位自身位置,从而将位置信息和付款信息一起发送给服务端,服务端生成对应的支付口令,并返回给第一用户。而后,第一用户将支付口令转达给第二用户,第二用户再将自身的位置和支付口令上传至服务端。服务端根据第二用户的位置在一定范围内进行匹配或者查询,是否有同样的支付口令。若匹配或者查询成功,则进行支付。
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