Patent application EP17166507A (EP), filed 2017-04-13
Publication number: EP3232391A1
Title: ELECTRONIC DEVICE AND PAYMENT METHOD USING THE SAME
Abstract: Disclosed is a method for split payment for an online or offline purchase of a service or goods using an electronic device, including receiving a first request in relation to a payment, generating first payment information using a transaction identification corresponding to the payment based on at least the first request, sending the first payment information to an external device, receiving a second request in relation to the payment, generating second payment information using the transaction identification based on at least the second request, and finalizing the payment based on at least the second payment information.
IPC codes: G06Q  20/    38            A I
G06Q  30/    02            A I
Claims: number: 1
text: An electronic device comprising:
number: 2
text: The electronic device of claim 1, wherein the first request is a reservation request for a service or goods or is a request for an advance payment to be processed in online mode, and
wherein the second request is a request for a balance payment to be processed in offline mode for the service or goods.
number: 3
text: The electronic device of claim 2, wherein the processor is further configured to obtain the transaction identification from the first external device after sending a corresponding request to the first external device in response to the first request, obtain a first token and a first cryptogram based on user authentication, and generate the first payment information based on the transaction identification, the first token, and the first cryptogram.
number: 4
text: The electronic device of claim 3, wherein the first external device is a merchant server or a merchant terminal.
number: 5
text: The electronic device of claim 4, wherein the processor is further configured to directly generate the first token and the first cryptogram based on the user authentication and encryption keys stored in a memory.
number: 6
text: The electronic device of claim 4, wherein the processor is further configured to obtain the first token and the first cryptogram from a second external device after sending a corresponding request to the second external device.
number: 7
text: The electronic device of claim 6, wherein the second external device is an electronic wallet server residing between the merchant server and a settlement server for data transfer.
number: 8
text: The electronic device of claim 2, wherein the processor is further configured to send discount information supplied by the first external device to a third external device based on at least one of the transaction identification, the first token, and the first cryptogram.
number: 9
text: The electronic device of claim 8, wherein the third external device is a card-linked offer server configured to register the discount information received from the electronic device and provide registered discount information to a merchant terminal.
number: 10
text: A method for payment using an electronic device, the method comprising:
number: 11
text: The method of claim 10, wherein
wherein the first request is a reservation request for a service or goods or is a request for an advance payment to be processed in online mode, and wherein the second request is a request for a balance payment to be processed in offline mode for the service or goods.
number: 12
text: The method of claim 11, wherein generating the first payment information comprises:
number: 13
text: The method of claim 12, wherein the first and second tokens and the first and second cryptograms are directly generated by the electronic device based on the user authentication and encryption keys stored in a memory.
number: 14
text: The method of claim 12, wherein the first and second tokens and the first and second cryptograms are obtained from a second external device after sending a corresponding request to the second external device.
number: 15
text: The method of claim 12, further comprising sending discount information supplied by the first external device to a third external device based on at least one of the transaction identification, the first token, and the first cryptogram.
Office action: search_report, dated 2017-10-18
Prior art cited: ref_id: US2015324736A1
ref_type: patent
severity: background
ref_id: US2015262180A1
ref_type: patent
severity: background
ref_id: US2015100433A1
ref_type: patent
severity: background
ref_id: US2015262180
ref_type: patent
severity: background
ref_id: US2015324736
ref_type: patent
severity: background
Final disposition: pending (2017-10-18)