公开(公告)号：WO2021215993A1

公开(公告)日：2021-10-28

申请号：PCT/SE2021/050374

申请日：2021-04-23

Applicant: CRUNCHFISH DIGITAL CASH AB

Inventor： SYLWANDER, Kristian ,  CRONHOLM, Paul

IPC: G06Q20/32 ,  G06F3/048 ,  H04W4/70 ,  H04W4/80 ,  H04B5/00 ,  H04M1/72412 ,  H04W4/24

Abstract: A communication device (100; 100a) has a processing device (110), a user interface (120), and a short-range wireless communication transceiver (130). The short- range wireless communication transceiver (130) is configured for receiving a short- range wireless communication signal (S) from another communication device (100b). The processing device (110) is configured for reading a communication identifier (CI) of the received short-range wireless communication signal (S), determining - based on the communication identifier (CI) - a particular audio/visual/audiovisual media content (140a) among a plurality of possible media contents (140), controlling the user interface (120) to present the particular media content (140a) to a user (1a) of the communication device (100; 100a), and controlling the user interface (120) to receive an input (INP) from the user (1a). Conditionally upon having received the input (INP) from the user (1a), the processing device (110) is configured for causing the communication device (100; 100a) to perform an action (ACT).

公开(公告)号：WO2022173360A1

公开(公告)日：2022-08-18

申请号：PCT/SE2022/050152

申请日：2022-02-11

Applicant: CRUNCHFISH DIGITAL CASH AB

Inventor： SAMUELSSON, Joachim ,  CRONHOLM, Paul

IPC: G06Q20/38 ,  G06F21/33 ,  G06F21/62 ,  G06F21/64 ,  G06Q20/02 ,  G06Q20/08 ,  G06Q20/32 ,  G06Q20/40 ,  H04L9/32

Abstract: A computerized method (100) of performing a digital payment of a payment amount (Amount) between a payer (P1) and a payee (P2) provides payment service provider interoperability. A payer communication device (PD1) and a payee 5 communication device (PD2) communicate (112) by short-range data communication during an offline settlement stage (110) to generate payment transaction data (Transaction Data) being digitally signed (114) by the payer communication device (PD1). The generated payment transaction data (Transaction Data) is validated (116) by the payee communication device (PD2). The method further has an online settlement 10 stage (130) during which the payment transaction data (Transaction Data) is communicated (132) to a computerized payment network switch (NW) that validates (136) the payment transaction data (Transaction Data), and communicates (142) with a first payment service provider (PSP1) to cause a deduction of funds from a payer account (account_P1) and an addition of funds to a payee account (account_P2), 15 corresponding to the payment amount (Amount). Elected for publication:

公开(公告)号：WO2022164375A1

公开(公告)日：2022-08-04

申请号：PCT/SE2022/050090

申请日：2022-01-28

Applicant: CRUNCHFISH DIGITAL CASH AB

Inventor： SAMUELSSON, Joachim ,  CRONHOLM, Paul

IPC: G06Q20/16 ,  G06K19/07 ,  G06Q20/06 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/36 ,  G07F7/08 ,  H04L9/32

Abstract: A method of transferring digital cash comprises establishing (20) a local point-to-point communication link (CL) directly between a mobile communication device (MCD) and a smart card (SC) upon being in proximity of each other (10), then communicating (30) cash transfer data (CTD) over the local point-to-point communication link (CL). The cash transfer data (CTD) defines a local transfer of a monetary amount (Amount) from one of the mobile communication device (MCD) and the smart card (SC), being a cash sender, to the other of the mobile communication device (MCD) and the smart card (SC), being a cash receiver. The method further comprises updating (40) a balance (balance_ow) of a local digital wallet (OW) of the mobile communication device (MCD) as well as a balance (balance_card) of the cash deposit (CD) to reflect the local transfer of the monetary amount (Amount), such that the balance of the cash sender is reduced while the balance of the cash receiver is increased.

公开(公告)号：WO2021251889A1

公开(公告)日：2021-12-16

申请号：PCT/SE2021/050556

申请日：2021-06-10

Applicant: CRUNCHFISH DIGITAL CASH AB

Inventor： SAMUELSSON, Joachim ,  CRONHOLM, Paul

IPC: G06Q20/32 ,  G06Q20/20 ,  G06Q20/38 ,  G06Q20/40 ,  H04W4/80

Abstract: Disclosed is a method for performing a digital payment transaction that involves a payee communication device (PD1), a payer communication device (PD2) and cloud-based digital payment service functionality (DPSF). A first device (31) among the payee communication device (PD1) and payer communication device (PD2) communicates with the digital payment service functionality (DPSF) directly by wide-area network (WAN) communication, whereas a second device (32) among the payee communication device (PD1) and payer communication device (PD2) communicates with the digital payment service functionality (DPSF) via a secure logical connection (SLC) with the digital payment service functionality (DPSF). The secure logical connection (SLC) is effectuated physically via short-range wireless data communication (SRWDC) with the first device (31). The first device (31) thus relays communication between the second device (32) and the digital payment service functionality (DPSF) via the secure logical connection (SLC) without access to information contained in the communication.

公开(公告)号：WO2023091068A1

公开(公告)日：2023-05-25

申请号：PCT/SE2022/051068

申请日：2022-11-15

Applicant: CRUNCHFISH DIGITAL CASH AB

Inventor： SAMUELSSON, Joachim ,  CRONHOLM, Paul ,  LAGESON, Magnus

IPC: G06Q20/08 ,  G06Q20/32 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/40

Abstract: A computerized method (100) in a digital payment system (1 ) involves registering (110) of transaction data (TBS) for a digital payment. The transaction data comprises an alias of the payer, an alias of the payee, and a representation of a payment amount which is covered by a reservation of funds in an account managed by the payment service provider. The method involves signing (120) of the transaction data, followed by communicating (130) the signed transaction data (P, TBS) to enable verification (140) at the payment service provider or payment server function. The payee communication device (PD2) receives (132) the signed transaction data (P, TBS) which includes a specification of a verification resource and uses (912) the specification of the verification resource to make a verification request (134; 914) at the payment service provider or payment server function. Subject to successful verification, the method concludes to enable settlement (150) of the digital payment.

公开(公告)号：WO2022216216A1

公开(公告)日：2022-10-13

申请号：PCT/SE2022/050356

申请日：2022-04-08

Applicant: CRUNCHFISH DIGITAL CASH AB

Inventor： SAMUELSSON, Joachim ,  CRONHOLM, Paul

IPC: G06Q20/40 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/36

Abstract: A method of performing an offline electronic payment of a type which involves a payer device (PD) and a point-of-sales device (POS) is presented. The payer device is a holder of a payment card (PC) issued by a card issuer (CI). The point-of-sales device is operative to receive (22) signed transaction data (STD) representing approval of the electronic payment, in an amount to be paid, from the payer device (PD) by local point-to-point communication (LP2PC) during an offline clearing procedure (OCP). The point-of-sales device is further operative to request (30) online settlement (OS) of the electronic payment in a payment service network (PSN) to cause transfer (46) of funds from an issuer account (IA) associated with the payer device (PD) to an acquirer account (AA) associated with the point-of-sales device (POS). The payer device (PD) comprises a local digital wallet (LDW) which defines a balance (BAL) available for offline payments, and a risk limit profile (RL) that represents constraints for offline electronic payments performable by the payer device (PD). During the offline clearing procedure (OCP), the payer device (PD) assesses (52) whether the amount to be paid complies with the balance (BAL) and the risk limit profile (RL) of the local digital wallet (LDW). In case of compliance, the payer device (PD) provides (56) the signed transaction data (STD) to the point-of-sales device (POS), thereby permitting completion of the offline clearing procedure (OCP). In case of non-compliance, the payer device (PD) refrains (58) from providing the signed transaction data (STD) to the point-of-sales device (POS), thereby preventing completion of the offline clearing procedure (OCP).

公开(公告)号：WO2021225497A1

公开(公告)日：2021-11-11

申请号：PCT/SE2021/050401

申请日：2021-04-30

Applicant: CRUNCHFISH DIGITAL CASH AB

Inventor： SAMUELSSON, Joachim ,  CRONHOLM, Paul

IPC: H04L9/08 ,  G06F21/35 ,  G06F21/60 ,  G16H50/80 ,  H04B5/00 ,  H04W4/02 ,  H04W4/029 ,  H04W4/80 ,  H04W12/47

Abstract: Communication systems and associated computerized methods are disclosed that involve A) repeatedly, as a mobile device (10) is carried around by a user who moves to different positions or locations: receiving (108, 128) a short-range wireless beacon signal from another mobile device (12, 14) when the devices are proximate to each other at a current position or location, producing (110, 130) a data entry that at least comprises information from the short-range wireless beacon signal that identifies the other mobile device 12, 14 or a user thereof, encrypting (112, 132) the data entry with a cryptographic encryption key, transmitting (114, 134) the encrypted data entry from the mobile device 10 to a cloud-based data aggregation function (30), receiving (116, 136) the encrypted data entry from the mobile device (10), and storing (118, 138) the received encrypted data entry as aggregated encrypted data together with other encrypted data entries previously received from the mobile device (10). The communication systems and associated computerized methods further involve B) subsequently receiving (142, 142', 142") an access request, and in response making the cryptographic decryption key available to allow decryption (144, 146) of the aggregated encrypted data of the mobile device (10) as stored by the cloud-based data aggregation function (30).

公开(公告)号：WO2021154136A1

公开(公告)日：2021-08-05

申请号：PCT/SE2020/051251

申请日：2020-12-22

Applicant: CRUNCHFISH DIGITAL CASH AB

Inventor： SAMUELSSON, Joachim ,  CRONHOLM, Paul

IPC: G06Q20/32 ,  G06Q20/22 ,  G06Q20/36 ,  G06Q20/38 ,  H04L9/32

Abstract: A method (600) for handling a digital payment between a payer (P1 ) and a payee (P2) is presented. The payer and payee communication devices (PD1, PD2) uses (610) short- range data communication (SRDC) when the devices are in proximity of each other to agree upon a digital payment (DP) without requiring long-range data communication with a remote digital payment settlement service (DPSS) at that stage. Independently of the other device, the payer communication device (PD1 ) or the payee communication device (PD2) subsequently communicates (630) buffered digital payment information (DPI) to the remote digital payment settlement service (DPSS) by long-range data communication (LRDC1, 15 LRDC2). The remote digital payment settlement service (DPSS) causes settlement (640) of the digital payment (DP) as indicated by the digital payment information (DPI) received by long-range data communication (LRDC1, LRDC2) from one of the payer communication device and the payee communication device (PD1, PD2).