DE60138859D1 - Zahlungssystem - Google Patents

Zahlungssystem

Info

Publication number
DE60138859D1
DE60138859D1 DE60138859T DE60138859T DE60138859D1 DE 60138859 D1 DE60138859 D1 DE 60138859D1 DE 60138859 T DE60138859 T DE 60138859T DE 60138859 T DE60138859 T DE 60138859T DE 60138859 D1 DE60138859 D1 DE 60138859D1
Authority
DE
Germany
Prior art keywords
card
transactions
similar
bank
stored
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.)
Expired - Lifetime
Application number
DE60138859T
Other languages
English (en)
Inventor
Bjoern Christian Granfeldt
Tomas Martin Haegg
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.)
EFB ENERGIFOERBAETTRINGAR AB
Original Assignee
EFB ENERGIFOERBAETTRINGAR AB
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 EFB ENERGIFOERBAETTRINGAR AB filed Critical EFB ENERGIFOERBAETTRINGAR AB
Application granted granted Critical
Publication of DE60138859D1 publication Critical patent/DE60138859D1/de
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/403—Solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4093—Monitoring of device authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q30/018—Certifying business or products
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code
    • G07F7/1083—Counting of PIN attempts
DE60138859T 2000-03-19 2001-03-17 Zahlungssystem Expired - Lifetime DE60138859D1 (de)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
SE0000911A SE525418C2 (sv) 2000-03-19 2000-03-19 Betalningssystem
PCT/SE2001/000562 WO2001073698A2 (en) 2000-03-19 2001-03-17 Payment system

Publications (1)

Publication Number Publication Date
DE60138859D1 true DE60138859D1 (de) 2009-07-16

Family

ID=20278870

Family Applications (1)

Application Number Title Priority Date Filing Date
DE60138859T Expired - Lifetime DE60138859D1 (de) 2000-03-19 2001-03-17 Zahlungssystem

Country Status (8)

Country Link
US (1) US7006998B2 (de)
EP (1) EP1190396B1 (de)
AT (1) ATE433174T1 (de)
AU (1) AU4294501A (de)
CA (1) CA2374410A1 (de)
DE (1) DE60138859D1 (de)
SE (1) SE525418C2 (de)
WO (1) WO2001073698A2 (de)

Families Citing this family (22)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100582814B1 (ko) 1999-05-25 2006-05-23 세이프페이 오스트레일리아 피티와이 리미티드 네트워크 상거래 처리 방법 및 장치
EP1280295A1 (de) 2001-07-25 2003-01-29 IES Internet Express Scandinavia AB Ein Verfahren zur sicheren Übertragung eines Informationspakets
US20070005685A1 (en) * 2002-09-16 2007-01-04 Wunchun Chau Browser-based payment system
US20050246277A1 (en) * 2002-10-23 2005-11-03 Bloem Nicolaas C Transaction processing system
FR2854270B1 (fr) 2003-04-28 2005-06-17 Sagem Procede de controle d'acces securise
US7318550B2 (en) * 2004-07-01 2008-01-15 American Express Travel Related Services Company, Inc. Biometric safeguard method for use with a smartcard
US8740069B2 (en) * 2005-01-26 2014-06-03 Heng Kah Choy Fraud-free payment for internet purchases
EP1913545A4 (de) * 2005-05-16 2010-07-28 Mastercard International Inc Verfahren und system zur verwendung kontaktloser bezahlungskarten in einem transitsystem
US20080221263A1 (en) * 2006-08-31 2008-09-11 Subbareddy Kanagasabapathy Coating compositions for producing transparent super-hydrophobic surfaces
US20080221009A1 (en) * 2006-01-30 2008-09-11 Subbareddy Kanagasabapathy Hydrophobic self-cleaning coating compositions
WO2007102960A2 (en) * 2006-01-30 2007-09-13 Ashland Licensing And Intellectual Property Llc Hydrophobic self-cleaning coating compositions
US20080250978A1 (en) * 2007-04-13 2008-10-16 Baumgart Richard J Hydrophobic self-cleaning coating composition
US20090064894A1 (en) * 2007-09-05 2009-03-12 Ashland Licensing And Intellectual Property Llc Water based hydrophobic self-cleaning coating compositions
US8805736B2 (en) * 2008-03-08 2014-08-12 Stefan Melik-Aslanian Fraud prevention and replacement of credit/debit cards—lost, stolen, defective or fraudulently used
US8826397B2 (en) 2009-01-15 2014-09-02 Visa International Service Association Secure remote authentication through an untrusted network
EP2320393A1 (de) * 2009-10-07 2011-05-11 Scheidt & Bachmann GmbH Verfahren zur bargeldlosen Abwicklung von automatenbezogenen Nutzungsvorgängen
US8147607B2 (en) * 2009-10-26 2012-04-03 Ashland Licensing And Intellectual Property Llc Hydrophobic self-cleaning coating compositions
FR2958770B1 (fr) * 2010-04-13 2012-11-16 Oberthur Technologies Procede de controle d'un dispositif apte a fonctionner en mode avec ou sans verification de code pour effectuer une transaction
CN101986355B (zh) * 2010-10-29 2013-02-13 中国工商银行股份有限公司 一种银行卡交易权限管理方法、系统及终端
ITBS20120101A1 (it) * 2012-07-05 2014-01-06 Amadio Avagliano Struttura di carta di pagamento e relativo dispositivo di lettura
US10395302B2 (en) * 2015-07-02 2019-08-27 Nasdaq, Inc. Matching techniques for data transaction requests with private attributes
US10871896B2 (en) * 2016-12-07 2020-12-22 Bby Solutions, Inc. Touchscreen with three-handed gestures system and method

Family Cites Families (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4701601A (en) * 1985-04-26 1987-10-20 Visa International Service Association Transaction card with magnetic stripe emulator
US5650761A (en) * 1993-10-06 1997-07-22 Gomm; R. Greg Cash alternative transaction system
US5434919A (en) * 1994-01-11 1995-07-18 Chaum; David Compact endorsement signature systems
US5450051A (en) * 1994-08-16 1995-09-12 Stromberg; Ronald E. Electronic transit fare card system
KR0146624B1 (ko) * 1994-12-19 1998-09-15 김광호 신용거래용 카드 및 이를 이용한 신용거래장치 및 방법
US5796832A (en) * 1995-11-13 1998-08-18 Transaction Technology, Inc. Wireless transaction and information system
JPH1063722A (ja) 1996-08-14 1998-03-06 Toshiba Corp カード取引システム及びカード取引方法
US6496808B1 (en) * 1998-12-22 2002-12-17 At&T Corp. Using smartcards to enable probabilistic transaction on an untrusted device
US6732922B2 (en) * 2001-05-14 2004-05-11 Robert Lindgren System enablement of automatic fare collection devices using a network
JP3826131B2 (ja) * 2003-04-23 2006-09-27 松下電器産業株式会社 半導体記憶装置

Also Published As

Publication number Publication date
EP1190396A2 (de) 2002-03-27
SE525418C2 (sv) 2005-02-15
CA2374410A1 (en) 2001-10-04
US7006998B2 (en) 2006-02-28
SE0000911D0 (sv) 2000-03-19
AU4294501A (en) 2001-10-08
ATE433174T1 (de) 2009-06-15
US20020138444A1 (en) 2002-09-26
EP1190396B1 (de) 2009-06-03
SE0000911L (sv) 2001-09-20
WO2001073698A2 (en) 2001-10-04
WO2001073698A3 (en) 2002-01-24

Similar Documents

Publication Publication Date Title
DE60138859D1 (de) Zahlungssystem
US4630201A (en) On-line and off-line transaction security system using a code generated from a transaction parameter and a random number
ES2143790T3 (es) Metodo para adeudar de forma protegida un medio de pago electronico
NO975900L (no) System for °kning av en verdi ved et elektronisk betalingskort
DK228888A (da) Automatiseret transaktionssystem anvendende mikroprocessorkort
JPH0698866B2 (ja) 磁気ストライプ・エミユレ−タ取引カ−ド
CN101114356A (zh) 多用户会员卡管理系统
JP2004534338A (ja) 電子財布用電子現金システム
JP2005538448A5 (de)
JPH0335708B2 (de)
US6244506B1 (en) Unit comprising data memory card and reading/writing device
KR101013161B1 (ko) 아이씨 카드간 또는 아이씨 칩간 애플리케이션(또는 데이터) 이전방법
JP4174295B2 (ja) 個人認証機能付ｉｃカード決済システム及び当該システムに用いるｉｃカード
WO1999019843A3 (de) Verfahren zur nutzung von speichereinheiten von chipkarten
Myers On trial at the summer Olympic games: smart cards
GB2334362A (en) Improvements in or relating to credit cards
JPH02148275A (ja) 署名照合方法と携帯可能記憶媒体の発行方法
JPH09245136A (ja) カードメモリを用いたシステム
JPS6361392A (ja) メモリ・カ−ド

Legal Events

Date Code Title Description
8364 No opposition during term of opposition