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Dynamic electronic money

A technology of electronic coins and coins, applied in payment circuits, instruments, payment systems, etc., can solve problems such as time-consuming implementation and complexity

Active Publication Date: 2013-03-20
ACCENTURE GLOBAL SERVICES LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] However, electronic payments have the technical problem of requiring clearing and settlement operations, which are relatively time-consuming and complex to implement

Method used

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  • Dynamic electronic money
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Embodiment Construction

[0036] Throughout the following, only those aspects useful for understanding the present disclosure are illustrated in the drawings and described in detail. Other aspects (such as specific implementations of encryption, decryption or authentication algorithms) will be obvious to those skilled in the art and are not described in detail.

[0037] figure 2 Illustrated is an electronic payment system 200 according to an embodiment of the present disclosure.

[0038] The system 200 includes an electronic money token distribution equipment 202, which plays the role of generating and distributing electronic money tokens. figure 2 An example of the money token 204 of the electronic money token is provided in. As will become clearer from the following description, the distribution equipment 202 may also periodically re-initiate the coin token in circulation and provide a service for verifying the coin token in response to a request.

[0039] The system 200 also includes an electronic payme...

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PUM

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Abstract

The invention concerns an electronic money, concretely a method of making an electronic payment by an electronic payment device comprising: transmitting from said electronic payment device (206) to an electronic receiving device (208, 210) a first money token (204) comprising at least data indicating an identifier of said first money token and an amount indicating a payment sum of said first money token, wherein said first money token further comprises an electronic watermark.

Description

Technical field [0001] The present disclosure relates to the field of electronic money payment, and also to devices, systems and methods for electronic money payment. Background technique [0002] figure 1 An example of a system 100 for electronic payment and cash payment is illustrated. As shown, the electronic payment part 101 of the system includes a plurality of transaction locations 102 where, for example, payment cards such as credit or debit cards or the generation of electronic payment instructions can be used to initiate electronic payments. These locations include, for example, a point of sale (POS) (which can be a sales counter in a store or a checkout counter in a supermarket), the Internet (for example, via a PC (personal computer) or a mobile device with Internet access), bank branches, or via file transfer ( For example, by sending payment instructions to the bank via email, fax or electronic data files). [0003] These electronic payment instructions are received ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/06G06Q20/38
CPCG06Q20/04G06Q20/065G06Q20/223G06Q20/3825G06Q20/3827
Inventor J·赖特R·哈森E·维亚勒
Owner ACCENTURE GLOBAL SERVICES LTD