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1. WO2020108155 - PAYMENT METHOD AND APPARATUS

Publication Number WO/2020/108155
Publication Date 04.06.2020
International Application No. PCT/CN2019/111670
International Filing Date 17.10.2019
IPC
G06Q 20/16 2012.01
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
08Payment architectures
16Payments settled via telecommunication systems
G06Q 20/32 2012.01
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
30characterised by the use of specific devices
32using wireless devices
G06Q 20/38 2012.01
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
CPC
G06Q 20/16
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
16Payments settled via telecommunication systems
G06Q 20/325
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
32using wireless devices
325using wireless networks
G06Q 20/3255
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
32using wireless devices
325using wireless networks
3255using an SMS for payment
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
  • 阿里巴巴集团控股有限公司 ALIBABA GROUP HOLDING LIMITED
Inventors
  • 陈成 CHEN, Cheng
Agents
  • 北京博思佳知识产权代理有限公司 BEIJING BESTIPR INTELLECTUAL PROPERTY LAW CORPORATION
Priority Data
201811457439.130.11.2018CN
Publication Language Chinese (ZH)
Filing Language Chinese (ZH)
Designated States
Title
(EN) PAYMENT METHOD AND APPARATUS
(FR) PROCÉDÉ ET APPAREIL DE PAIEMENT
(ZH) 支付方法和装置
Abstract
(EN)
A method for payment, comprising receiving a seed from a server (202); generating a token (205); using the token to encrypt a character string comprising an entity ID and a transaction amount, so as to obtain an encrypted character string (206); and transmitting the encrypted character string using a short message or voice call (207). By means of the method, a user can successfully make a payment when the wireless network is unavailable or weak.
(FR)
L'invention concerne un procédé de paiement, consistant à recevoir une valeur de départ en provenance d'un serveur (202) ; générer un jeton (205) ; utiliser le jeton pour chiffrer une chaîne de caractères comprenant un identifiant d'entité et un montant de transaction, de façon à obtenir une chaîne de caractères chiffrée (206) ; et transmettre la chaîne de caractères chiffrée à l'aide d'un message court ou d'un appel vocal (207). Grâce à ce procédé, un utilisateur peut effectuer avec succès un paiement lorsque le réseau sans fil est indisponible ou défaillant.
(ZH)
一种用于支付的方法,包括:接收来自服务器的种子(202);生成令牌(205);使用所述令牌对包括实体ID和交易金额的字符串进行加密得到经加密字符串(206);以及使用短信或语音呼叫来传送所述经加密字符串(207)。使用所述方法,在没有无线网络或者网络较弱的情况下,用户也能成功进行支付。
Also published as
Latest bibliographic data on file with the International Bureau