KR101170055B1 - Method and system for electronic banking using token - Google Patents

Method and system for electronic banking using token Download PDF

Info

Publication number
KR101170055B1
KR101170055B1 KR1020100100655A KR20100100655A KR101170055B1 KR 101170055 B1 KR101170055 B1 KR 101170055B1 KR 1020100100655 A KR1020100100655 A KR 1020100100655A KR 20100100655 A KR20100100655 A KR 20100100655A KR 101170055 B1 KR101170055 B1 KR 101170055B1
Authority
KR
South Korea
Prior art keywords
terminal
token
financial transaction
transaction server
information
Prior art date
Application number
KR1020100100655A
Other languages
Korean (ko)
Other versions
KR20120039129A (en
Inventor
김준모
최종무
Original Assignee
단국대학교 산학협력단
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 단국대학교 산학협력단 filed Critical 단국대학교 산학협력단
Priority to KR1020100100655A priority Critical patent/KR101170055B1/en
Priority to PCT/KR2010/007319 priority patent/WO2012050254A1/en
Publication of KR20120039129A publication Critical patent/KR20120039129A/en
Application granted granted Critical
Publication of KR101170055B1 publication Critical patent/KR101170055B1/en

Links

Images

Classifications

    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

An electronic financial transaction method using a token for transferring an amount of money from a first account corresponding to a first terminal to a second account corresponding to a second terminal, the method comprising: (a) at least one of the first terminal and the second terminal; Transmitting, by the terminal, the first transaction including at least the amount of money to the financial transaction server to the financial transaction server; (b) transferring, by the second terminal, the second information corresponding to the fact that the first token separated from the first terminal is connected to the second terminal, to the financial transaction server; And (c) after the financial transaction server receives the second information, transferring the amount from the first account to the second account according to the first information.

Description

Electronic financial transaction method and system using token {METHOD AND SYSTEM FOR ELECTRONIC BANKING USING TOKEN}

The disclosed technology relates to an electronic financial transaction method and system using a token.

Electronic money is a new concept of money that replaces cash as bank deposits or money are stored electronically on an integrated circuit card or computer connected to a network. IC card type electronic money is called electronic wallet type electronic money. This is because some of the bank deposits are transferred electronically to IC cards and paid as cash to terminals. Such IC card type electronic money cannot be used in electronic commerce unless it is compatible with the network type. Network-type electronic money can be stored in virtual banks or on customers' computers connected to the Internet, and there are cyber coins and e-cash.

Electronic money is vulnerable to electronic manipulation and forgery. The biggest impediment to the spread of electronic money systems is that digital cryptography does not prove 100% secure. If the hack succeeds, the aftermath cannot be controlled, the damage is theoretically infinite, and electronic theft by the hack cannot be completely prevented.

The technical problem of the disclosed technology is to eliminate the exposure to malicious behaviors performed on the simultaneous and infinite range of problems that digital electronic money has, thereby improving the limitation of the use of electronic money. It is to enable safe and convenient currency distribution compared to using physical currency.

The disclosed technology to achieve the above technical problem, in the electronic financial transaction method using a token transfers the amount of money from the first account corresponding to the first terminal to the second account corresponding to the second terminal, (a) said Transmitting, by at least one of the first terminal and the second terminal, first information including at least the amount to the financial transaction server to the financial transaction server; (b) transferring, by the second terminal, the second information corresponding to the fact that the first token separated from the first terminal is connected to the second terminal, to the financial transaction server; And (c) after the financial transaction server receives the second information, transferring the amount from the first account to the second account according to the first information.

The disclosed technique may have the following effects. It is to be understood, however, that the scope of the disclosed technology is not to be construed as limited thereby, as it is not meant to imply that a particular embodiment should include all of the following effects or only the following effects.

According to the disclosed technology, a monetary system dualized into physical and electronic money can be unified, enabling transparent transactions and accurate currency control.

In addition, according to the disclosed technology, taking advantage of the electronic advantages of electronic money, physical transactions can slow down the propagation speed of disasters caused by digital hacking as physical propagation.

In addition, according to the disclosed technology, when a token is forged using a physical token having a unique ID, a duplicate or nonexistent token ID may be identified at a bank server to block a transaction by forgery.

1 is a block diagram illustrating an electronic financial transaction system according to an embodiment of the disclosed technology.
2 is a flowchart illustrating an electronic financial transaction method according to an embodiment of the disclosed technology.
3 is a flowchart illustrating an electronic financial transaction method according to an embodiment of the disclosed technology.

The description of the disclosed technique is merely an example for structural or functional explanation and the scope of the disclosed technology should not be construed as being limited by the embodiments described in the text. That is, the embodiments may be variously modified and may have various forms, and thus the scope of the disclosed technology should be understood to include equivalents capable of realizing the technical idea.

Meanwhile, the meaning of the terms described in the present application should be understood as follows.

Singular expressions should be understood to include plural expressions unless the context clearly indicates otherwise, and terms such as "include" or "have" refer to features, numbers, steps, operations, components, parts, or parts thereof described. It is to be understood that the combination is intended to be present, but not to exclude in advance the possibility of the presence or addition of one or more other features or numbers, steps, operations, components, parts or combinations thereof.

Each step may occur differently from the stated order unless the context clearly dictates the specific order. That is, each step may occur in the same order as specified, may be performed substantially simultaneously, or may be performed in the reverse order.

All terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which the disclosed technology belongs, unless otherwise defined. Terms defined in commonly used dictionaries should be interpreted to be consistent with meaning in the context of the relevant art and can not be construed as having ideal or overly formal meaning unless expressly defined in the present application.

1 is a block diagram illustrating an electronic financial transaction system according to an embodiment of the disclosed technology. Referring to FIG. 1, an electronic financial transaction system includes a first terminal 100, a second terminal 200, and a financial transaction server 300.

The first terminal 100 is a terminal corresponding to the first account 110 and is electrically connected to the first token 120. The first terminal 100 may be a terminal for remitting money, and may include a mobile communication terminal, a personal computer (PC), and personal digital assistants (PDAs). The first account 110 corresponds to the first terminal 100 as an account with which an amount is withdrawn. Tokens are physical means of trading with unique IDs, and do not represent a certain amount. Tokens are exchanged when there is a transaction between terminals. The first token 120 is electrically connected to the token connection terminal of the first terminal 100. The first terminal 100 and the first token 120 are mapped and stored in the financial transaction server 300. The first token 120 may be connected to the first terminal 100 in various ways, such as a USB interface or an ISO 7816 (smart card interface).

The second terminal 200 is a terminal corresponding to the second account 210 and is electrically connected to the second token 220. The second terminal 200 may include a mobile communication terminal, a personal computer (PC), and personal digital assistants (PDAs) as the terminal for receiving the amount of money. The second account 210 corresponds to the second terminal 200 as an account for receiving the amount of money. The second token 220 is electrically connected to the token connection terminal of the second terminal 200. The second terminal 200 and the second token 220 are mapped and stored in the financial transaction server 300. The second token 220 may be connected to the second terminal 200 in various ways, such as a USB interface or an ISO 7816 (smart card interface). When there is a transaction, the first token 120 may be separated from the first terminal 100 and electrically connected to the second terminal 200. In addition, the second token 220 may be separated from the second terminal 200 and electrically connected to the first terminal 100.

The financial transaction server 300 includes a database 310, a token recognition unit 320, and a transaction processing unit 330. The database 310 stores the first information transmitted by at least one of the first terminal 100 and the second terminal 200. The first information includes the ID of the first terminal 100, the ID of the first token 120, and the amount information. The first information may further include an ID of the second terminal 200 and an ID of the second token 220. The ID of the first terminal 100 may be, for example, a phone number of a mobile communication terminal, an IP address of an internet terminal, a member ID of a smartphone, an account number of the first account 110, or a member ID of a financial transaction server. The ID of the first token 120 is a unique number or letter assigned to the token, and the ID of the token does not change even if the token is exchanged between terminals. In addition, the database 310 stores a mapping relationship between the terminal and the token. Before the first token 120 is transferred from the first terminal 100 to the second terminal 200, the first token 120 is mapped to the first terminal 100, and the first token 120 is formed of the first token 120. After the first terminal 100 is transferred from the first terminal 100 to the second terminal 200, the first token 120 and the second terminal 200 are mapped. The token recognition unit 320 receives information corresponding to that the first token 120 separated from the first terminal 100 is connected to the second terminal 200. In addition, the token recognition unit 320 receives information corresponding to that the first token 120 separated from the second terminal 200 is connected to the first terminal 100. When there is a transaction request from the first terminal 100, the transaction processing unit 330 requests a transaction approval from the second terminal 200 and transfers the account according to whether the transaction is approved. In addition, when there is a transaction request of the second terminal 200, the transaction approval request is made to the first terminal 100, and the transfer is performed according to whether the transaction is approved. The communication between the financial transaction server 300 and the terminals 100 and 200 may be encrypted. For example, when the first terminal 100 and the second terminal 200 access the financial transaction server 300 to transmit the first information, the first terminal 100 and the second terminal 200 may be driven by inputting a predetermined code. The predetermined code includes, for example, a personal identification number or a password. In addition, the transfer of information between the financial transaction server 300 and the terminals 100 and 200 may be performed by a symmetric encryption or an asymmetric encryption method.

2 is a flowchart illustrating an electronic financial transaction method according to an embodiment of the disclosed technology. Referring to FIG. 2, at least one of the first terminal 100 and the second terminal 200 transmits first information including at least an amount of money to the financial transaction server 300 (S410). One of the first terminal 100 and the second terminal 200 transmits the first information to the financial transaction server 300, or the first terminal 100 and the second terminal 200 transmit the first information. I can deliver it. The first terminal 100 corresponds to a terminal for remitting an amount corresponding to the first account 110, and the second terminal 200 corresponds to a terminal for receiving an amount corresponding to the second account 210. In the drawing, an example in which the first terminal 100 delivers the first information to the financial transaction server 300 is represented. The first information may further include an ID of the first terminal 100 and an ID of the first token 120 in addition to the amount information. In addition, the first information may further include an ID of the second terminal 200 and an ID of the second token 220. The communication between the financial transaction server 300 and the terminals 100 and 200 may be encrypted.

The second terminal 200 transmits the second information corresponding to the connection of the first token 120 separated from the first terminal 100 to the second terminal 200 to the financial transaction server 300 ( S420). In addition, the first terminal 100 transmits the third information corresponding to the connection of the second token 220 separated from the second terminal 200 to the first terminal 100 to the financial transaction server 300. . When the first token 120 separated from the first terminal 100 is connected to the second terminal 200, the database 310 maps the first token 120 and the second terminal 200. In addition, when the second token 220 is connected to the first terminal 100, the database 310 maps the second token 220 and the first terminal 100. In this case, the token is transferred from one terminal to another, indicating that there is a transaction between the terminals. In the figure, an example in which tokens 120 and 220 are exchanged after the first information is transmitted to the financial transaction server 300 is shown. However, after the tokens 120 and 220 are exchanged, the first information is exchanged in the financial transaction server. May be communicated to 300.

The financial transaction server 300 checks whether the money is received from the second terminal 200 (S430). When the second terminal 200 approves the receipt of the amount, the financial transaction server 300 may convert the second account corresponding to the second terminal 200 from the first account 110 corresponding to the first terminal 100. The amount is transferred to 210. However, when the second terminal 200 refuses to receive the amount, the amount is not transferred to the account even though the second terminal 200 has already received the token from the first terminal 100.

 When the second terminal 200 permits the receipt of the money, the financial transaction server 300 transfers the money from the first account 110 to the second account 210 according to the first information (S440). The financial transaction server according to the ID of the first terminal 100, the ID of the second terminal 200, the ID of the first token 120, and the amount of money, which is the first information transmitted by the first terminal 100 when the transaction is requested. 300 transfers money from the first account 110 to the second account 210. More specifically, as the second terminal 200 approves the first information from the first account 110 corresponding to the first terminal 100 to the second account 210 corresponding to the second terminal 200. The amount contained in is transferred to your account.

The financial transaction server 300 transmits the transaction details to the first terminal 100 and the second terminal 200 after the account transfer (S450). For example, the financial transaction server 300 may include a transaction history including an amount transferred to the first terminal 100, an account balance after the transfer, an ID of the first terminal 100, and an ID of the second terminal 200. Can be transmitted. In addition, the financial transaction server 300 records the transaction details including the amount received from the transfer to the second terminal 100, the account balance after the transfer, the ID of the first terminal 100 and the ID of the second terminal 200. Can transmit The financial transaction server 300 may, for example, transmit transaction details in the form of a short message service (SMS).

If the second terminal 200 refuses to accept the payment, the financial transaction server 300 checks whether the first token 120 is collected with respect to the first terminal 100 (S460). When the second terminal 200 refuses to receive the amount of money, since no transaction has occurred, it is possible to recover the token according to the intention of the first terminal 100. However, token collection is not essential when no transaction occurs. Therefore, when the first terminal 100 rejects the token collection, the second terminal 200 is connected to the first token 120 and the database 310 has the second terminal 200 and the first token 120. Will be mapped.

When the first terminal 100 approves the token recovery, the first token 120 is recovered to the first terminal 100 (S470). In addition, when the second token 220 is connected to the first terminal 100, the second token 220 is transferred to the second terminal 200 by the token recovery approval of the first terminal 100. The database 310 remaps the first terminal 100 and the first token 120. If the second token 220 is included in the transaction, the database 310 remaps the second terminal 200 and the second token 220.

3 is a flowchart illustrating an electronic financial transaction method according to an embodiment of the disclosed technology. Referring to FIG. 3, the second terminal 200 transmits first information including at least an amount of money to the financial transaction server 300 (S510). The first terminal 100 corresponds to a terminal for remitting an amount corresponding to the first account 110, and the second terminal 200 corresponds to a terminal for receiving an amount corresponding to the second account 210. In the drawing, an example in which the second terminal 200 receiving the amount of money transfers the first information to the financial transaction server 300 to request a transaction is shown. The first information may further include an ID of the first terminal 100 and an ID of the second terminal 200 in addition to the price information. In addition, the first information may further include an ID of the second token 220. Communication between the second terminal 200 and the financial transaction server 300 may be encrypted.

The financial transaction server 300 transmits the amount information to the first terminal 100 (S520). In more detail, when the second terminal 200 receiving the amount of money first makes a transaction request, the financial transaction server 300 indicates that there is a transaction request with the amount information to the first terminal 100 to which the money is to be remitted. Inform.

The financial transaction server 300 confirms whether to approve the transaction with respect to the first terminal 100 (S530). More specifically, when the first terminal 100 that has received a transaction request rejects the transaction, the transfer is terminated, and when the first terminal 100 approves the transaction, the transfer continues.

When the first terminal 100 approves the transaction, the first terminal 100 transmits the ID of the first token 120 to the financial transaction server 300 (S540). The first terminal 100 that approves the transaction must deliver the first token 120 to the second terminal 200 as a precondition for the transaction to continue, and the first terminal to the financial transaction server 300 before the token is delivered. The ID of the first token 120 connected with the 100 will be transmitted.

The second terminal 200 transmits the second information corresponding to the fact that the first token 120 separated from the first terminal 100 is connected to the second terminal 200 to the financial transaction server 300 (S550). ). In addition, the first terminal 100 transmits the third information corresponding to the connection of the second token 220 separated from the second terminal 200 to the first terminal 100 to the financial transaction server 300. . When the first token 120 separated from the first terminal 100 is connected to the second terminal 200, the database 310 maps the first token 120 and the second terminal 200. When the second token 220 is connected to the first terminal 100, the database 310 maps the second token 220 and the first terminal 100. In this case, the token is transferred from one terminal to another, indicating that there is a transaction between the terminals. In the figure, an example in which tokens 120 and 220 are exchanged after the first information is transmitted to the financial transaction server 300 is shown. However, the exchange of the tokens 120 and 220 indicates that the first information is a financial transaction server ( It may also be performed prior to the step (300).

 The financial transaction server 300 transfers the amount of money from the first account 110 to the second account 210 according to the first information (S560). In more detail, as the first terminal 100 permits a transaction, the first terminal 100 is transferred from the first account 110 corresponding to the first terminal 100 to the second account 210 corresponding to the second terminal 200. 1 The amount of money included in the information will be transferred to the account.

The financial transaction server 300 transmits the transaction details to the first terminal 100 and the second terminal 200 after the account transfer (S570). More specifically, the financial transaction server 300 includes the amount of money transferred to the first terminal 100, the account balance after the transfer, the ID of the first terminal 100 and the ID of the second terminal 200. Transaction history can be sent. In addition, the financial transaction server 300 records the transaction details including the amount received by the transfer to the second terminal 100, the account balance after the transfer, the ID of the first terminal 100 and the ID of the second terminal 200. Can transmit The financial transaction server 300 may, for example, transmit transaction details in the form of a short message service (SMS).

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the present invention as defined by the following claims It can be understood that

100: first terminal 110: first account
120: first token 120 200: second terminal
210: second account 220: second token
300: Financial Transaction Server 310: Database
320: token recognition unit 330: transaction processing unit

Claims (17)

A financial transaction method in which an amount of money is transferred from a first account corresponding to a first terminal to a second account corresponding to a second terminal,
(a) transmitting at least one of the first terminal and the second terminal to a financial transaction server, the first information including at least the amount of money, to a financial transaction server;
(b) transmitting, by the second terminal, the second information corresponding to the fact that the first token 120 separated from the first terminal is connected to the second terminal, to the financial transaction server; And
(c) after the financial transaction server receives the second information, transferring the amount from the first account to the second account. The method of claim 1,
And the first information further comprises an ID of the first terminal and an ID of the first token. The method of claim 1,
In step (a), the first terminal transmits the first information including the ID of the first terminal, the ID of the second terminal, the ID of the first token and the amount to the financial transaction server. Electronic financial transaction method using a token comprising a step. The method of claim 3, wherein
The step (c) is an electronic financial transaction method using a token, further comprising receiving the money received from the second terminal before the transfer. The method of claim 1,
In the step (a), the second terminal transmits the first information including the ID of the first terminal, the ID of the second terminal, the amount to the financial transaction server, the financial transaction server The electronic banking method using the token to transfer the amount information to the first terminal, the confirmation of the amount and the ID of the first token to the financial transaction server. The method of claim 1,
Wherein step (a) is encrypted, the electronic financial transaction method using a token comprising the customer of the first and second terminals to enter a predetermined code to drive. The method of claim 1,
The electronic financial transaction method using the token for transmitting the third information corresponding to the second token separated from the second terminal in step (b) connected to the first terminal. The method of claim 1,
In the step (c), the financial transaction server further comprises transmitting the transaction details to the first and second terminals after the transfer of funds. The method of claim 1,
In the step (c), if the second terminal refuses to receive the money, the transfer is not made, and the information related to the token connected to the second terminal is separated and connected to the first terminal. Electronic financial transaction method using a token that the server receives. The method of claim 1,
And the token is electrically connected to token connection terminals of the first and second terminals. The method of claim 1,
Before performing step (b), the first terminal and the first token are mapped to a database of a financial transaction server, and after performing step (b), a token for mapping the second terminal and the second token is used. Electronic financial trading method. A first terminal corresponding to the first account to which the money is to be transferred;
A second terminal corresponding to a second account to receive the money; And
A financial transaction server; and
The financial transaction server
At least one of the first terminal and the second terminal delivers the first information including at least the amount to the financial transaction server to the financial transaction server, and the first token separated from the first terminal is the first token. After the second terminal transmits the second information corresponding to the second terminal to the financial transaction server, and the financial transaction server receives the second information, the amount is transferred from the first account to the second information. Electronic financial transaction system using a token that includes transferring to an account. The method of claim 12,
And the first information comprises an ID of the first terminal and an ID of the first token. The method of claim 12,
The financial transaction server is encrypted, the electronic financial transaction system using a token comprising a customer of the first and second terminals to enter a predetermined code to drive. The method of claim 12,
The financial transaction server is an electronic financial transaction system using a token comprising receiving third information corresponding to the second token is separated from the second terminal is connected to the first terminal. The method of claim 12,
The financial transaction server is an electronic financial transaction system using a token comprising transmitting the transaction history to the first and second terminals after the transfer. The method of claim 12,
And the token is electrically connected to token connection terminals of the first and second terminals.

KR1020100100655A 2010-10-15 2010-10-15 Method and system for electronic banking using token KR101170055B1 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
KR1020100100655A KR101170055B1 (en) 2010-10-15 2010-10-15 Method and system for electronic banking using token
PCT/KR2010/007319 WO2012050254A1 (en) 2010-10-15 2010-10-25 Method and system for performing electronic financial transactions using a token

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020100100655A KR101170055B1 (en) 2010-10-15 2010-10-15 Method and system for electronic banking using token

Publications (2)

Publication Number Publication Date
KR20120039129A KR20120039129A (en) 2012-04-25
KR101170055B1 true KR101170055B1 (en) 2012-07-31

Family

ID=45938454

Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020100100655A KR101170055B1 (en) 2010-10-15 2010-10-15 Method and system for electronic banking using token

Country Status (2)

Country Link
KR (1) KR101170055B1 (en)
WO (1) WO2012050254A1 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110663055A (en) * 2017-05-16 2020-01-07 苹果公司 Facilitating funds transfer between user accounts
KR102549237B1 (en) * 2021-08-30 2023-07-05 주식회사 포롱 Service providing server that provides token issuance service for nft split transactions, and operating method thereof

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100861675B1 (en) 2007-06-12 2008-10-06 어드밴텍테크놀로지스(주) System for processing the one time certification number for internet banking service

Family Cites Families (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20070021581A (en) * 2005-08-18 2007-02-23 주식회사 비즈모델라인 System and Method for Processing Financial Transaction, Devices for Processing Financial Transaction, Terminals and Recording Medium
KR20070021597A (en) * 2005-08-19 2007-02-23 주식회사 비즈모델라인 System and Method for Processing Financial Transaction, Devices for Processing Financial Transaction, and Recording Medium

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100861675B1 (en) 2007-06-12 2008-10-06 어드밴텍테크놀로지스(주) System for processing the one time certification number for internet banking service

Also Published As

Publication number Publication date
KR20120039129A (en) 2012-04-25
WO2012050254A1 (en) 2012-04-19

Similar Documents

Publication Publication Date Title
CN110612546B (en) Method and apparatus for digital asset account management
US10909539B2 (en) Enhancements to transaction processing in a secure environment using a merchant computer
RU2645593C2 (en) Verification of portable consumer devices
RU2595885C2 (en) Method and system using universal identifier and biometric data
TW412696B (en) A system for performing financial transactions using a smart card
AU2007261082B2 (en) Portable consumer device verification system
US20160253663A1 (en) Transaction signing utilizing asymmetric cryptography
US20160117673A1 (en) System and method for secured transactions using mobile devices
US20120284187A1 (en) System and method for processing payment transactions
CN108701305A (en) Digital asset is converted
US20120239566A1 (en) Asset storage and transfer system for electronic purses
CN101990676A (en) Mobile telephone transaction systems and methods
CA2965145A1 (en) Over the air update of payment transaction data stored in secure memory
WO2010017493A2 (en) Transaction secured in an untrusted environment
CA2738046A1 (en) Over the air update of payment transaction data stored in secure memory
AU2021215250B2 (en) System and method employing reduced time device processing
CN101308557A (en) Method for implementing secured electronic charging
CN104933565A (en) IC card transaction method and IC card transaction system
CN104657847A (en) Method for payment with limit code
KR20190108666A (en) Apparatus and method for automated deposit and withdrawal of funds for cryptocurrency transactions and computer program for the same
EP2613287B1 (en) Computer system and method for initiating payments based on cheques
JP2013505487A (en) Asset value storage and transfer system for electronic wallets
CN101281627A (en) Safety payment method and system based on electric contract operation
CN107230074B (en) Method and system for depositing digital currency into digital currency chip card
KR101170055B1 (en) Method and system for electronic banking using token

Legal Events

Date Code Title Description
A201 Request for examination
E902 Notification of reason for refusal
E701 Decision to grant or registration of patent right
GRNT Written decision to grant
FPAY Annual fee payment

Payment date: 20150619

Year of fee payment: 4

LAPS Lapse due to unpaid annual fee