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    • 10. 发明申请
    • Electronic wallet management
    • 电子钱包管理
    • US20070125838A1
    • 2007-06-07
    • US11377027
    • 2006-03-15
    • Eric LawLap Yam
    • Eric LawLap Yam
    • G07F19/00G06Q40/00G06Q99/00
    • G07F7/1008G06F21/34G06Q20/04G06Q20/223G06Q20/32G06Q20/3223G06Q20/341G06Q20/357G06Q20/367G06Q20/3823G06Q20/40G06Q20/40975
    • A system (and a method) for electronic financial transactions includes at least of each of a sender having an electronic wallet, a recipient having an electronic wallet, a sending bank having a host application system and an authentication server, a receiving bank having a host application system and an authentication server, and a wallet management center with a host application system and an authentication server. The sender uses its electronic wallet to send an encrypted payment instruction directly to the electronic wallet of the recipient. The recipient can accept the payment by performing a second level encryption of the payment instruction for submission to the wallet management center for authentication. Once authenticated, the wallet management center immediately notifies the recipient and submits payment instructions for clearing by the corresponding sending and receiving banks. Payment authorization is authenticated directly by the sending bank without involvement of the wallet management center.
    • 用于电子金融交易的系统(和方法)至少包括具有电子钱包的发送者,具有电子钱包的接收者,具有主机应用系统的发送银行和认证服务器,具有主机的接收银行 应用系统和认证服务器,以及具有主机应用系统和认证服务器的钱包管理中心。 发件人使用其电子钱包将加密的支付指令直接发送到收件人的电子钱包。 接收者可以通过执行支付指令的二级加密来接收付款,以提交给钱包管理中心进行认证。 一旦认证,钱包管理中心立即通知收件人并提交付款指示,由相应的发送和接收银行清算。 发货银行直接对付款授权进行身份验证,而不涉及钱包管理中心。