WO2012090074A3 - Terminal authenticity verification - Google Patents

Terminal authenticity verification Download PDF

Info

Publication number
WO2012090074A3
WO2012090074A3 PCT/IB2011/003344 IB2011003344W WO2012090074A3 WO 2012090074 A3 WO2012090074 A3 WO 2012090074A3 IB 2011003344 W IB2011003344 W IB 2011003344W WO 2012090074 A3 WO2012090074 A3 WO 2012090074A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment
secure
capabilities
above architecture
implement
Prior art date
Application number
PCT/IB2011/003344
Other languages
French (fr)
Other versions
WO2012090074A2 (en
Inventor
Lars Olof KANNGARD
Original Assignee
Kanngard Lars Olof
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 Kanngard Lars Olof filed Critical Kanngard Lars Olof
Priority to SG2013072996A priority Critical patent/SG194001A1/en
Priority to CN201180068848.2A priority patent/CN103548047A/en
Priority to EP11854421.2A priority patent/EP2695121A2/en
Publication of WO2012090074A2 publication Critical patent/WO2012090074A2/en
Publication of WO2012090074A3 publication Critical patent/WO2012090074A3/en

Links

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
    • 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
    • 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
    • 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
    • G07F7/0806—Details of the card
    • G07F7/0813—Specific details related to card security

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Computer Security & Cryptography (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

Methods and systems for improving non-bank payment solutions through terminal authenticity verification. One group of improvements uses the secure payment capabilities of the above architecture to implement a bill payment system. Electronic payments from consumers who are not bank customers are now completely secure. A variety of methods are discussed to include non-banking consumers in this payment system. Another group of improvements uses the secure payment capabilities of the above architecture to implement a payroll system which allows non-banking or unbankable employees (or contractors or vendors) to receive electronic payment, and to easily reroute portions of their payments electronically to various destinations. The secure transaction capabilities of the above architecture make this possible.
PCT/IB2011/003344 2010-12-30 2011-12-30 Terminal authenticity verification WO2012090074A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
SG2013072996A SG194001A1 (en) 2010-12-30 2011-12-30 Terminal authenticity verification
CN201180068848.2A CN103548047A (en) 2010-12-30 2011-12-30 Terminal authenticity verification
EP11854421.2A EP2695121A2 (en) 2010-12-30 2011-12-30 Terminal authenticity verification

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US201061428245P 2010-12-30 2010-12-30
US201061428244P 2010-12-30 2010-12-30
US61/428,245 2010-12-30
US61/428,244 2010-12-30

Publications (2)

Publication Number Publication Date
WO2012090074A2 WO2012090074A2 (en) 2012-07-05
WO2012090074A3 true WO2012090074A3 (en) 2012-11-01

Family

ID=46383578

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2011/003344 WO2012090074A2 (en) 2010-12-30 2011-12-30 Terminal authenticity verification

Country Status (4)

Country Link
EP (1) EP2695121A2 (en)
CN (1) CN103548047A (en)
SG (1) SG194001A1 (en)
WO (1) WO2012090074A2 (en)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20160057168A1 (en) * 2013-04-15 2016-02-25 Tactegic Holdings Pty Limited System and methods for efficient network security adjustment
CN105590206B (en) * 2014-11-26 2020-10-23 中国银联股份有限公司 Method for verifying terminal authenticity in electronic cash transaction
CN105760750B (en) * 2016-02-01 2019-06-14 北京华胜天成科技股份有限公司 Software tamper Detection method and system
WO2018013144A1 (en) 2016-07-15 2018-01-18 Visa International Service Association Digital asset distribution by transaction device
CN109087096B (en) * 2018-07-19 2020-12-15 中国联合网络通信集团有限公司 Block chain account checking method, device, equipment and storage medium

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2004008399A2 (en) * 2002-07-12 2004-01-22 Mainline Corporate Holdings Limited Methods and systems for effecting payment card transactions
US20060149667A1 (en) * 2002-09-04 2006-07-06 European Tax Free Shopping Limited Method and system for transferring funds
KR20070109130A (en) * 2006-05-09 2007-11-15 강원대학교산학협력단 Id card and system for certification of id card and method thereof
KR20080062608A (en) * 2006-12-29 2008-07-03 노틸러스효성 주식회사 Method of recognizing a card by an image scan in atm

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1995035549A1 (en) * 1994-06-21 1995-12-28 Soltesz John A Modular optical memory card image display point of sale terminal
US20020107797A1 (en) * 2000-12-13 2002-08-08 Combaluzier Pierre Michel Electronic remittance transfer from a merchant's smart card to a consumer loyalty smart card identified by a transaction authorization code
CA2481075A1 (en) * 2002-04-03 2003-10-23 First Data Corporation Systems and methods for performing transactions at a point-of-sale
WO2006082907A1 (en) * 2005-02-04 2006-08-10 Softbank Bb Corp. Electronic money settling system, and electronic money settling method

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2004008399A2 (en) * 2002-07-12 2004-01-22 Mainline Corporate Holdings Limited Methods and systems for effecting payment card transactions
US20060149667A1 (en) * 2002-09-04 2006-07-06 European Tax Free Shopping Limited Method and system for transferring funds
KR20070109130A (en) * 2006-05-09 2007-11-15 강원대학교산학협력단 Id card and system for certification of id card and method thereof
KR20080062608A (en) * 2006-12-29 2008-07-03 노틸러스효성 주식회사 Method of recognizing a card by an image scan in atm

Also Published As

Publication number Publication date
SG194001A1 (en) 2013-11-29
WO2012090074A2 (en) 2012-07-05
EP2695121A2 (en) 2014-02-12
CN103548047A (en) 2014-01-29

Similar Documents

Publication Publication Date Title
WO2017054016A3 (en) System and method for settling multiple payees from a single electronic and/or check payment
WO2008150808A3 (en) Atm system for receiving cash deposits from non-networked clients
WO2007038296A3 (en) Electronic receipting
WO2009124204A3 (en) Third-party methods and systems for managing merchant validation screening
WO2008153766A3 (en) Method and system for processing financial transactions using multiple financial accounts
WO2008018052A3 (en) Secure mechanism and system for processing financial transactions
EP2733653A3 (en) Consumer operated kiosks for purchasing items online and associated systems and methods
GB2465089A (en) Fraud protection
WO2006127969A3 (en) Method and system for facilitating network transaction processing
MY164715A (en) Electronic currency and authentication system and method
WO2012142131A3 (en) Interoperable financial transactions via mobile devices
WO2007148234A3 (en) System and method for authenticating a customer's identity and completing a secure credit card transaction without the use of a credit card number
WO2012090074A3 (en) Terminal authenticity verification
WO2007103940A3 (en) Least cost network routing for electronic transactions
WO2013058682A3 (en) Systems and methods for establishing transactions utilizing billing information
PH12019500619A1 (en) Bill validation and cash dispensing device, system and method for use in a casino context
WO2010091238A3 (en) Push payment system and method including billing file exchange
WO2009154867A3 (en) Handling payment receipts with a receipt store
WO2010143823A3 (en) Electronic money payment system and electronic money payment method
WO2008092010A3 (en) Payer direct hub
WO2014085478A3 (en) Systems and methods for processing electronic transactions based on consumer characteristics
WO2009137076A3 (en) A one card system
EA201071155A1 (en) PHANTOMIZATION OF PAYMENT ACCOUNT DATA IN THE MOBILE TELEPHONE TRANSACTION SYSTEM
WO2010074978A3 (en) System and method for providing dispute resolution for electronic payment transactions
WO2007085905A3 (en) Secure electronic payment system and methods

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 11854421

Country of ref document: EP

Kind code of ref document: A2

NENP Non-entry into the national phase

Ref country code: DE

WWE Wipo information: entry into national phase

Ref document number: 12013501605

Country of ref document: PH

REEP Request for entry into the european phase

Ref document number: 2011854421

Country of ref document: EP