CN1508746A - Personal identity information integrating apparatus - Google Patents
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- CN1508746A CN1508746A CNA021586780A CN02158678A CN1508746A CN 1508746 A CN1508746 A CN 1508746A CN A021586780 A CNA021586780 A CN A021586780A CN 02158678 A CN02158678 A CN 02158678A CN 1508746 A CN1508746 A CN 1508746A
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- biological characteristic
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Abstract
The invention is a kind of personal incrimination information integrating device, which is used in the dialectics of current finance incrimination card such as credit card, finance dealing card. It converts the data of card user biological character, and the data is integrated into the request testing signal sent by the card reading device, and transmits to the authorization system to compare and test through current finance dealing card and credit card authorization network, or uses the preset personal biological data to test.
Description
Technical field
The present invention is a kind of personally identifiable information's integrating apparatus, and particularly a kind of financial identification card such as credit card and financial transaction card that is used for is concluded the business, in order to false proof personally identifiable information's integrating apparatus.
Background technology
In the existing plastic money transaction, by simple and easy checking holder identity procedure, reach without bill and conclude the business or the purpose of financial transaction such as other account transfer, remittance, drawing, the mode of its checking is no doubt convenient, but its convenience also provides unworthy pipeline that is easy to desire to make money or profit, plagiarize he person property of people, causes the serious waste of individual and social resources.Recently because the technology of pseudo-card more becomes ripe, go out many pieces of forged credit card or financial transaction card via simple reproducer with regard to reproducible with effectiveness, make the antiforge function on the present card perform practically no function, especially recently the unworthy employee who constantly spreads out of financial circles or retail trade receives luring by promise of gain with every nearly hundred US dollars, by little to using hand held to survey the record machine, big extremely stealing from the system of company computer can be used to duplicate credit card in a large number, the magnetic card data of financial transaction card is sold and is given the pseudo-group that blocks, the example edition of making pseudo-card is provided, the card that duplicates that its manufacturing is come out also provides the huge source of fund of criminal organization for its harm country and society, has a strong impact on the arm's length transaction of financial system.
Numerous relevant for the security mechanism patent so far, so with the biological characteristic identification technical development, utilize biological characteristic to grow development like the mushrooms after rain to reach security purpose integration system so as to the identification identity, as proposed according to Application No. 5513272 one the collocation fingerprint identifier the credit card trade system, utilize the foundation of fingerprint exactly as holder's authentication, it is according to the bio-diversity feature of fingerprint, comparison program by default, realize with the standard program of biological characteristic as authentication, in addition, on its system architecture in order to reach absolute safety certification aspect the security, can add retina identification and speech waveform identification, difference by each feature data of intersection comparison, improve the security of its credit card trade mechanism, but be based on the general of credit card trade framework, point of sale (point of sale) is aspect the security lifting, the part that is difficult to walk of haveing obstacles is arranged really, when reason is to desire the system of architecture combined biological identification technology, it is the just configuration of some sensors (sensor) not, and the communications and liaison of remote authorization system and the line configuring between the reader device are also too numerous and diverse, and the carrying out of its proving program quite expended time in, compare from the verifying data intersection that Card Reader begins to go through repeatedly, the most important thing is when system when the point of sale is provided with, the equipment framework of whole original implementation (machine for punching the card for example, cash machine etc.) need purchase again, reduce the feasibility of implementing greatly.In addition, the remote credit card validation authoring system that is proposed according to Application No. 5513272 also proposes similar to the biological identification technology, and can directly be set up in system in the existing credit card trade system, but, on archives transmission and comparison program, also cause temporal expending easily because it is the flow process of biological characteristic and POS unpack.
In addition, the financial transaction mode of general ATM (Automatic Teller Machine) (ATM) also is the program of authorizing by checking, different only is when the holder in by behind the preliminary legitimate verification, need input by keying sequence to exchange for from long-range authorization code, though have only holder itself to know its password, all data of holder but the company under its transactional cards also prestores, just in case as the aforementioned words that sell holder's data, consequence is also hardly imaginable, its problem comes from the golden key (key) of holder's have in order to identity verification, be a string simple ordered series of numbers in fact, can't have as biological characteristic and vary with each individual, the biological characteristic otherness of malleable not, therefore, how to develop one and can directly be established in the existing authoring system, by biological characteristic and by the real key of the integrating apparatus of carrying out the checking flow process fast for this checking licensing scheme of development.
Summary of the invention
In view of this, the present invention proposes a kind of personally identifiable information's integrating apparatus for addressing the above problem, main purpose be can be directly in conjunction with holder's status verification system of existing financial card and credit card, collocation biological characteristic gatherer, by existing financial card and the credit card trade authoring system that possesses the biological attribute data storehouse, the mechanism of finishing this holder's status identification is in order to check the use of duplicating card and usurping card.
For reaching above-mentioned purpose, personally identifiable information's integrating apparatus that the present invention carried comprises: the biological characteristic processing module, be connected with a biological feature collection device, and be converted to the biological characteristic coding in order to the biological attribute data that the biological characteristic gatherer is collected; The transmission integrate module is connected with a reader device and this biological characteristic processing module, encodes with this biological characteristic and is merged into integrate information in order to receive requests verification coding that this reader device produces, and integrate information is sent to the remote authorization system; And behind the mandate strain sign indicating number of receiving this remote authorization system, carry out strain function and transmit this mandates strain sign indicating number and to reader device, carry out demonstration according to this mandate strain sign indicating number.
In addition, the present invention is also at existing holder's status verification system with data storage medium (as IC chip or magnetic stripe) financial transaction card and credit card, can be directly biological characteristic data by storing in advance in biological characteristic gatherer and the data storage medium, in the compare identification and then finish the mechanism of this holder's status identification of user end, in order to check the use of duplicating card and usurping card, for reaching this purpose, the present invention more provides the device that is applied to this mechanism, it comprises the biological characteristic processing module equally, and another comparison transport module, be connected between reader device and the biological characteristic processing module, in order to compare biological attribute data that this biological characteristic gatherer captured and should the finance identification card in the biological characteristic data that stores in advance, after the program of comparison finishes, result according to comparison produces a transaction records information and is transferred to the remote authorization system, and this comparison transport module is carried out a strain function according to the result of this comparison, and transmits a return information and carry out demonstration to this reader device.
Personally identifiable information's integrating apparatus provided by the present invention, directly framework is at existing credit card and fiscard mechanism of exchange framework, in conjunction with existing reader device and biological identification device, transmit by communication line, basis as holder's qualification testing, with the security of raising credit card use, and prevent that effectively holder's leakage of data, reduction robber brush and robber from leading the generation of case.The present invention also directly framework at IC credit card with data storage medium and IC fiscard mechanism of exchange framework, in conjunction with existing reader device and biological identification device, hold the proving program of comparing in the holder, basis as holder's qualification testing, with the security of raising credit card use, and prevent that effectively holder's leakage of data, reduction robber brush and robber from leading the generation of case.
Description of drawings
Fig. 1 provides conventional magnetic stripe card authentication mechanism system;
Fig. 2 is the system architecture diagram that personally identifiable information's integrating apparatus provided by the present invention is applied to existing magnetic stripe card trading mechanism;
Fig. 3 is the system architecture diagram that personally identifiable information's integrating apparatus provided by the present invention is applied to existing chip card transaction mechanism.
Embodiment
The present invention is a kind of personally identifiable information's integrating apparatus.
See also Fig. 1: traditional credit card validation system comprises reader device 50 (for example EDC or POS), it sets up online by telephone line and remote authorization system 210, before carrying out credit card authorization, the store worker carries out the action that card is swiped the card, and in reader device 50 the input amount of money of swiping the card, it is communicated to remote authorization system 210 under the issuing bank via communication line, remote authorization system 210 is after this information of reception, activate the affirmation program of holder's status, comprise the whether for this reason credit card end user of issuing bank of investigation holder, and then access holder's credit record, consumption amount etc., by this remote authorization system 210 proving program of comparing, pass authorization code back or in order to inform the code of Fail Transaction.Reader device 50 receives after this authorization code, informs that immediately whether this card of salesman is proved to be successful the carrying out in order to transaction; If credit card is a pseudo-card or because the arrears outstanding causes credit card to be stopped using, then this salesman also can see Fail Transaction code (Reject Code) on 50 versions of reader device, otherwise if Transaction Success then can be seen authorization code.Finish the flow process of this transaction by after the person's handwriting identification of store worker according to cardholder signature this moment, and with respect to the fiscard transaction system, it only ends the password to decipher by one holder's input, replaces the program of store worker's identification cardholder signature person's handwriting.
Please refer to Fig. 2, the present invention proposes a kind of personally identifiable information's integrating apparatus 100, it is in conjunction with the reader device 50 and the remote authorization system 210 of existing credit card trade mechanism, collocation reader device 50 and biological characteristic gatherer 60, by possessing the remote authorization system 210 in biological attribute data storehouse 215, by the communication line between reader device 50 and the personally identifiable information's integrating apparatus 100, be by existing telephone line (conventional telephone line communication), world-wide web (intemet), LAN (wan/lan), (WLAN) of WLAN, dedicated line (Leaseline), and wireless bluetooth communications protocol data transmission, in order to finish the mechanism of this holder's status identification: the program that its system carries out is as follows: when the consumer checks out with credit card, the store worker inserts reader device 50 with the credit card that is about to the consumer, reads from the holder's data on the credit card magnetic stripe.When carrying out POS, the biological characteristic gatherer 60 that sets in advance in the shop, that is camera, carry out the acquisition of image of face feature immediately at its consumer's face mask, and then via the calculation mechanism of biological characteristic processing module 110, convert the biological attribute data that is captured to have this holder's biological characteristic on an equal basis biological characteristic coding, wherein biological characteristic gatherer 60 can also be meant that schlieren is as capture device, sound wave mode identification device etc.; After becoming integrate information in transmission integrate module 120 merging biological characteristic codings and according to the request authority checking sign indicating number that the data on the credit card magnetic stripe produces at last, send this integrate information is verified mandate to remote authorization system 210 step by communication line; Whether when 210 affirmations of remote authorization system were errorless, it can be replied and authorize strain sign indicating number (being authorization code or Fail Transaction code) to inform to the point of sale that originally sends data whether its credit card has the ability of consumption, be effectively to block or the like; After the point of sale receives to authorize the strain sign indicating number, be different from original path of directly replying reader device 50, the substitute is and pass the present invention earlier back and disclose in disclosed personally identifiable information's integrating apparatus 100, transfer to reader device 50 again.When 210 these transaction of judgement are with pseudo-card or usurp card, that is biological characteristic processing module 110 calculates holder's at the moment biological characteristic and real holder's biological attribute data storehouse that biological attribute data storehouse 215 is write down not simultaneously, strain sign indicating number (as the Fail Transaction code information) is authorized by replying by remote authorization system 210, indicator organism characteristic processing module 110 keeps this holder's picture according to this, perhaps carry out further strain function, for example personally identifiable information's integrating apparatus 100 can store the credit card end user's of original acquisition picture immediately, and then this data kept or change into strain information and be sent to relevant police unit and save company's backup from damage and file for reference, in order to following of handling a case in the future, brush the generation of situation with anti-blocking robber.If this credit card is effective, the information of promptly passing back belongs to authorization code, then after this device receives this authorization code, except informing that immediately this card of salesman is proved to be successful in order to the carrying out of concluding the business, its personally identifiable information's integrating apparatus 100 can carry out initialization action at once, is the state of getting back to after removing last image archives before wait captures picture.
When should the holder carrying out financial transaction with fiscard, as withdrawing deposit and account transfer, the holder is in fiscard being inserted reader device 50 (as ATM (Automatic Teller Machine) ATM), it reads from the holder's data on the credit card magnetic stripe, near the biological characteristic gatherer 60 that sets in advance the while reader device 50, that is camera, carry out the acquisition of image of face feature immediately at its holder's face mask, and then via the calculation mechanism of biological characteristic processing module 110, convert the biological attribute data that is captured to have this holder's biological characteristic on an equal basis biological characteristic coding, wherein biological characteristic gatherer 60 can also be meant that schlieren is as capture device, sound wave mode identification device etc.; At last after the data on its biological characteristic coding of transmission integrate module 120 merging and the fiscard magnetic stripe, again via behind the general existing ciphering process, by communication line (as LAN (wan/lan), WLAN (WLAN), exclusive circuit (lease line) and dial and connect network (dialup) and be sent to the step that remote authorization system 210 verifies mandate; When 210 affirmations of remote authorization system are errorless, it can be replied and authorize strain sign indicating number (being authorization code or Fail Transaction code) to give the reader device 50 of the data that originally sends after receiving and deciphering, whether inform whether its fiscard has trading ability, be effectively to block or the like; Be different from original path of directly replying reader device 50 herein, the substitute is and receive earlier and decipher, and then pass the present invention back and disclose in disclosed personally identifiable information's integrating apparatus 100, then pass on and put reader device 50.When 210 these transaction of judgement are with pseudo-card or usurp card, that is biological characteristic processing module 110 calculates real holder's biological attribute data storehouse that holder's biological characteristic and 215 at the moment write down not simultaneously, remote authorization system 210 is according to the mandate strain sign indicating number (as the Fail Transaction code information) of replying, indicator organism characteristic processing module 110 keeps this holder's picture according to this, perhaps carry out further strain function, for example personally identifiable information's integrating apparatus 100 can store immediately original acquisition the credit card end user picture so that this data kept or changes into strain information and be sent to relevant police unit or save company's backup from damage and file for reference, in order to following of handling a case in the future, the appreciate the kindness generation of gesture of anti-blocking robber.If this credit card is effective, the information of promptly passing back belongs to authorization code, then after personally identifiable information's integrating apparatus 100 receives this mandate strain sign indicating number, except informing that immediately cash machine is proved to be successful in order to the carrying out of concluding the business, its personally identifiable information's integrating apparatus 100 can carry out initialization action at once, is the state of getting back to after removing last image archives before wait captures picture.
The present invention also provides a kind of device that can directly be built in the existing credit card trade system with data storage medium (as IC-card or magnetic stripe card), so as to hold the mechanism of the checking holder status true and false in the holder, please refer to Fig. 3, stored the exclusive biological characteristic coding of holder on its chip or the tape, and reader device 50 is for being used for the DAQ device of chip credit card or traditional tape credit card, the personal biology characteristics that can obtain the magnetic stripe data of credit card simultaneously and be stored on the credit card is encoded, and wherein reader device 50 and 130 of transport modules of comparison are by existing telephone line (conventional telephone line communication), world-wide web (internet), LAN (wan/lan), (WLAN) of WLAN, dedicated line (Lease line), and wireless bluetooth communications protocol data transmission; When the consumer will check out with credit card, the store worker inserted reader device 50 with the credit card that is about to the consumer, read from holder's data on the data storage medium and the exclusive biological characteristic coding of holder.When carrying out POS, the biological characteristic gatherer 60 that sets in advance in the shop, that is camera, carry out the acquisition of image of face feature immediately at its consumer's face mask, pass through the calculation mechanism of biological characteristic processing module 110 immediately, the biological attribute data that is captured is converted to the biological characteristic coding that has this holder's biological characteristic on an equal basis, wherein biological characteristic gatherer 60 can also be meant that schlieren is as capture device, sound wave mode identification device etc., and then with credit card in stored real holder's biological characteristic coding, in comparison transport module 130, carry out the comparison program, if comparison result meets, then this data of swiping the card can be as traditional credit card trade program after passing through this outpost of the tax office, road, the requests verification coding is passed through communication line (as LAN (wan/lan), WLAN (WLAN), exclusive circuit (lease line) and dial and connect network (dialup)) be conveyed to remote authorization system 210, and then in remote authorization system 210 checking whether be its credit card of issuing and in account with data and then passback such as whether endorse; If comparison result does not meet, personally identifiable information's integrating apparatus 100 can produce return information (as the Fail Transaction code) and be back to reader device 50, inform that this credit card of salesman is not by checking, and carrying out the strain function stores holder's picture, and produce the transaction records information transmission to remote authorization system 210, notice Risk Management for Financial Institutions center informs that it takes necessary confirming to duplicate the action that card or robber swipe the card with containing at once again.So, the mechanism of checking will be simpler and easy perfect, steal the suspicion personage of brush and record will not have be stealthy.
Personally identifiable information's integrating apparatus in like manner provided by the present invention can also directly be built in the device on the existing fiscard transaction system with data storage medium (as IC-card or magnetic stripe card), so as to hold the mechanism of the checking holder status true and false in the holder, also please refer to Fig. 3, be to have stored the exclusive biological characteristic coding of holder on its data storage medium, and reader device 50 is the DAQ devices (as ATM (Automatic Teller Machine) ATM) for being used for chip fiscard or traditional tape fiscard, and it can be obtained the magnetic stripe data of credit card simultaneously and be stored in personal biology characteristics coding on the chip; When the holder will carry out as drawing or account transfer with fiscard, the holder inserts reader device 50 with being about to fiscard, when carrying out the fiscard transaction, near the biological characteristic gatherer 60 that sets in advance its reader device 50, that is camera, carry out the acquisition of image of face feature immediately at its holder's face mask, pass through the calculation mechanism of biological characteristic processing module 110 immediately, the biological attribute data that is captured is converted to the biological characteristic coding that has this holder's biological characteristic on an equal basis, wherein biological characteristic gatherer 60 can also be meant that schlieren is as capture device, sound wave mode identification device etc., and then with credit card in stored real holder's biological characteristic coding, in comparison transport module 130, carry out comparison, if comparison result meets, then this Card Reader data after checking on by this road can as traditional fiscard transaction program, that is pass on the request authorization message to remote authorization system 210 after carrying out encipheror; If comparison result does not meet, personally identifiable information's integrating apparatus 100 can produce return information (as the Fail Transaction code) and be sent to reader device 50, represent that this credit card is not by checking, and carrying out the strain function stores holder's picture, and transmission transaction records information is informed the Risk Management for Financial Institutions center to remote authorization system 210, notifies it to take necessary confirming to duplicate the action that card or robber lead with containing at once again.So, the mechanism of checking will be simpler and easy perfect, steal the suspicion personage of neck and record will not have be stealthy.
Claims (14)
1, a kind of personally identifiable information's integrating apparatus, in order to directly to combine with existing financial identification card authoring system, to realize utilizing biological identification information as the means that prevent to usurp, it includes:
One biological characteristic processing module is connected with a biological feature collection device, is converted to a biological feature coding in order to the biological characteristic that this biological characteristic gatherer is collected; And
One transmission integrate module, be connected with a reader device and this biological characteristic processing module, encode with this biological characteristic and be merged into an integrate information in order to receive a request authority checking sign indicating number that this reader device produces, and this integrate information is sent to a remote authorization system; And behind a mandate strain sign indicating number of receiving this remote authorization system, this transmission integrate module is carried out a strain function according to this mandate strain sign indicating number, and transmits this mandate strain sign indicating number and carry out demonstration to this reader device.
2, personally identifiable information's integrating apparatus as claimed in claim 1, it is characterized in that between this reader device and this remote authorization system, this biological characteristic gatherer is to be installed on this personally identifiable information's integrating apparatus, in order to carry out financial identification card holder's biological characteristic acquisition.
3, personally identifiable information's integrating apparatus as claimed in claim 1 is characterized in that this biological characteristic gatherer is one of can be selected from group's combination that an image capture unit, a fingerprint image capture unit and a sound wave mode identification device formed or it makes up arbitrarily.
4, personally identifiable information's integrating apparatus as claimed in claim 1 is characterized in that this biological characteristic data is to be image of face acquisition.
5, personally identifiable information's integrating apparatus as claimed in claim 1 is characterized in that this reader device and this transmission integrate module are to select one in order to data transmission in composition group existing telephone line, world-wide web, LAN, WLAN, dedicated line and wireless bluetooth communications protocol.
6, personally identifiable information's integrating apparatus as claimed in claim 1 is characterized in that this transmission integrate module is by LAN, WLAN, exclusive circuit and dials and connects and select one in the group combination of network and be connected with this remote authorization system.
7, personally identifiable information's integrating apparatus as claimed in claim 1, when it is characterized in that this mandate strain sign indicating number is the Fail Transaction code information, this transmission integrate module can be carried out this strain function after receiving this mandate strain sign indicating number.
8, a kind of personally identifiable information's integrating apparatus, this device more can be applied to existing authoring system with financial identification card of data storage medium, should the finance identification card be to store this biological characteristic data in advance wherein, to realize utilizing biological identification information as the means that prevent to usurp; Wherein this device comprises:
One biological characteristic processing module is connected with a biological feature collection device, is converted to a biological feature coding in order to the biological characteristic that this biological characteristic gatherer is collected; And
One comparison transport module, be connected between a reader device and this biological characteristic processing module, in order to compare that this biological characteristic gatherer captures and should the finance identification card in the biological characteristic data that stores in advance, after the program of comparison finishes, result according to comparison produces a transaction records information and is transferred to the remote authorization system, and this comparison transport module is carried out a strain function according to the result of this comparison, and transmits a return information and carry out demonstration to this reader device.
9, personally identifiable information's integrating apparatus as claimed in claim 8, it is characterized in that between this reader device and this remote authorization system, wherein this biological characteristic gatherer of device on this system is in order to carry out financial identification card holder's biological characteristic acquisition.
10, personally identifiable information's integrating apparatus as claimed in claim 8 is characterized in that this biological characteristic gatherer is one of can be selected from group's combination that an image capture unit, a fingerprint image capture unit and a sound wave mode identification device formed or it makes up arbitrarily.
11, personally identifiable information's integrating apparatus as claimed in claim 8 is characterized in that this biological characteristic data is to be image of face acquisition.
12, personally identifiable information's integrating apparatus as claimed in claim 8 is characterized in that this reader device and this transmission integrate module are to select one in order to data transmission in composition group existing telephone line, world-wide web, LAN, WLAN, dedicated line and wireless bluetooth communications protocol.
13, personally identifiable information's integrating apparatus as claimed in claim 8 is characterized in that this transmission integrate module is by LAN, WLAN, exclusive circuit and dials and connects and select one in the group combination of network and be connected with this remote authorization system.
14, personally identifiable information's integrating apparatus as claimed in claim 8, it is characterized in that this mandate strain sign indicating number is the authorization code for existing authoring system, after this transmission integrate module is received this mandate strain sign indicating number, store this biological characteristic data according to this mandate strain sign indicating number.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA021586780A CN1508746A (en) | 2002-12-18 | 2002-12-18 | Personal identity information integrating apparatus |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA021586780A CN1508746A (en) | 2002-12-18 | 2002-12-18 | Personal identity information integrating apparatus |
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| CN1508746A true CN1508746A (en) | 2004-06-30 |
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| CNA021586780A Pending CN1508746A (en) | 2002-12-18 | 2002-12-18 | Personal identity information integrating apparatus |
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101203874A (en) * | 2005-03-04 | 2008-06-18 | P·巴雷 | Method for making secure a transaction with a payment card, and center for authorizing implementation of said method |
| CN100414528C (en) * | 2004-10-08 | 2008-08-27 | 富士通株式会社 | Biometric authentication device, biometric information authentication method |
| CN101485128A (en) * | 2006-06-19 | 2009-07-15 | 维萨美国股份有限公司 | Portable consumer device verification system |
| CN102271039A (en) * | 2011-06-20 | 2011-12-07 | 软库创投（北京）科技有限公司 | Payment processing system, method and device |
| CN104702417A (en) * | 2015-04-03 | 2015-06-10 | 成都爱维科创科技有限公司 | Security authentication system and method |
| CN106062800A (en) * | 2014-03-06 | 2016-10-26 | 弗朗切斯科·图法诺 | System, device and method for the certification of transactions, access control, and the like |
| US11107069B2 (en) | 2006-06-19 | 2021-08-31 | Visa U.S.A. Inc. | Transaction authentication using network |
-
2002
- 2002-12-18 CN CNA021586780A patent/CN1508746A/en active Pending
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100414528C (en) * | 2004-10-08 | 2008-08-27 | 富士通株式会社 | Biometric authentication device, biometric information authentication method |
| CN101203874A (en) * | 2005-03-04 | 2008-06-18 | P·巴雷 | Method for making secure a transaction with a payment card, and center for authorizing implementation of said method |
| CN101485128A (en) * | 2006-06-19 | 2009-07-15 | 维萨美国股份有限公司 | Portable consumer device verification system |
| CN101512957A (en) * | 2006-06-19 | 2009-08-19 | 维萨美国股份有限公司 | Transaction authentication using network |
| US11107069B2 (en) | 2006-06-19 | 2021-08-31 | Visa U.S.A. Inc. | Transaction authentication using network |
| CN102271039A (en) * | 2011-06-20 | 2011-12-07 | 软库创投（北京）科技有限公司 | Payment processing system, method and device |
| CN106062800A (en) * | 2014-03-06 | 2016-10-26 | 弗朗切斯科·图法诺 | System, device and method for the certification of transactions, access control, and the like |
| US10438075B2 (en) | 2014-03-06 | 2019-10-08 | Francesco TUFANO | System, device and method for certifying electronic transactions |
| CN104702417A (en) * | 2015-04-03 | 2015-06-10 | 成都爱维科创科技有限公司 | Security authentication system and method |
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