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FR3074946B1 - ELECTRONIC TRANSACTION METHODS AND SYSTEMS - Google Patents

ELECTRONIC TRANSACTION METHODS AND SYSTEMS Download PDF

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Publication number
FR3074946B1
FR3074946B1 FR1761891A FR1761891A FR3074946B1 FR 3074946 B1 FR3074946 B1 FR 3074946B1 FR 1761891 A FR1761891 A FR 1761891A FR 1761891 A FR1761891 A FR 1761891A FR 3074946 B1 FR3074946 B1 FR 3074946B1
Authority
FR
France
Prior art keywords
transaction
information
electronic payment
transaction code
acceptance
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.)
Active
Application number
FR1761891A
Other languages
French (fr)
Other versions
FR3074946A1 (en
Inventor
Alexis Rizet
Thomas Moreau
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.)
Oney Bank SA
Original Assignee
Oney Bank SA
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 Oney Bank SA filed Critical Oney Bank SA
Priority to FR1761891A priority Critical patent/FR3074946B1/en
Publication of FR3074946A1 publication Critical patent/FR3074946A1/en
Application granted granted Critical
Publication of FR3074946B1 publication Critical patent/FR3074946B1/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/407—Cancellation of a transaction
    • 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
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Computer Security & Cryptography (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Infrastructure de paiement électronique à laquelle au moins un moyen d'acceptation (221) est connecté, configuré pour accepter un support de transaction (211) en vue de la réalisation d'un paiement électronique, cette infrastructure comprenant : - un serveur d'autorisation (231) configuré pour ○ recevoir, depuis le moyen d'acceptation, une demande d'autorisation concernant une transaction de paiement électronique ; ○ communiquer, au moyen d'acceptation, une réponse à la demande d'autorisation ; ○ générer un code de transaction associé à cette transaction, la réponse communiquée comprenant ce code de transaction ; un serveur de rétention (233) configuré pour ○ recevoir, depuis le moyen d'acceptation, des informations concernant la transaction autorisée, ces informations comprenant le code de transaction, o retenir les informations reçues pendant un délai prédéfini de rétention ; ○ permettre l'accès, pendant ce délai, aux informations retenues sur réception d'au moins le code de transaction.Electronic payment infrastructure to which at least one acceptance means (221) is connected, configured to accept a transaction medium (211) with a view to making an electronic payment, this infrastructure comprising: - an authorization server (231) configured to ○ receive, from the acceptance means, an authorization request regarding an electronic payment transaction; ○ communicate, by means of acceptance, a response to the authorization request; ○ generate a transaction code associated with this transaction, the communicated response comprising this transaction code; a retention server (233) configured to ○ receive, from the acceptance means, information concerning the authorized transaction, this information comprising the transaction code, o retain the information received for a predefined retention period; ○ allow access, during this period, to the information withheld upon receipt of at least the transaction code.

FR1761891A 2017-12-11 2017-12-11 ELECTRONIC TRANSACTION METHODS AND SYSTEMS Active FR3074946B1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
FR1761891A FR3074946B1 (en) 2017-12-11 2017-12-11 ELECTRONIC TRANSACTION METHODS AND SYSTEMS

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR1761891 2017-12-11
FR1761891A FR3074946B1 (en) 2017-12-11 2017-12-11 ELECTRONIC TRANSACTION METHODS AND SYSTEMS

Publications (2)

Publication Number Publication Date
FR3074946A1 FR3074946A1 (en) 2019-06-14
FR3074946B1 true FR3074946B1 (en) 2021-08-27

Family

ID=62017366

Family Applications (1)

Application Number Title Priority Date Filing Date
FR1761891A Active FR3074946B1 (en) 2017-12-11 2017-12-11 ELECTRONIC TRANSACTION METHODS AND SYSTEMS

Country Status (1)

Country Link
FR (1) FR3074946B1 (en)

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2791451B1 (en) * 1999-03-23 2001-06-22 Virgile MOBILE TRANSACTION SYSTEM AND METHOD, AND MOBILE EQUIPMENT IMPLEMENTED IN THIS SYSTEM
US6993507B2 (en) * 2000-12-14 2006-01-31 Pacific Payment Systems, Inc. Bar coded bill payment system and method
US7853525B2 (en) * 2003-07-15 2010-12-14 Microsoft Corporation Electronic draft capture
US20140019352A1 (en) * 2011-02-22 2014-01-16 Visa International Service Association Multi-purpose virtual card transaction apparatuses, methods and systems

Also Published As

Publication number Publication date
FR3074946A1 (en) 2019-06-14

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