ATE205622T1 - Verfahren und system zum bezahlen mit elektronischem scheck - Google Patents

Verfahren und system zum bezahlen mit elektronischem scheck

Info

Publication number
ATE205622T1
ATE205622T1 AT98934705T AT98934705T ATE205622T1 AT E205622 T1 ATE205622 T1 AT E205622T1 AT 98934705 T AT98934705 T AT 98934705T AT 98934705 T AT98934705 T AT 98934705T AT E205622 T1 ATE205622 T1 AT E205622T1
Authority
AT
Austria
Prior art keywords
random
electronic check
authentication
guesstimation
pseudo
Prior art date
Application number
AT98934705T
Other languages
English (en)
Inventor
Yves Moulart
Joan Daemen
Michel Dawirs
Original Assignee
Proton World Internat En Abreg
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 Proton World Internat En Abreg filed Critical Proton World Internat En Abreg
Application granted granted Critical
Publication of ATE205622T1 publication Critical patent/ATE205622T1/de

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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • G06Q20/0425—Payment circuits characterized in that the payment protocol involves at least one cheque the cheque being electronic only
    • 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
    • G06Q20/3674—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 involving 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • 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
    • 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
    • G06Q20/401—Transaction verification
    • 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
AT98934705T 1997-07-25 1998-07-23 Verfahren und system zum bezahlen mit elektronischem scheck ATE205622T1 (de)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
BE9700645A BE1011304A3 (fr) 1997-07-25 1997-07-25 Procede et systeme de paiement par cheque electronique.
PCT/BE1998/000115 WO1999005654A1 (fr) 1997-07-25 1998-07-23 Procede et systeme de paiement par cheque electronique

Publications (1)

Publication Number Publication Date
ATE205622T1 true ATE205622T1 (de) 2001-09-15

Family

ID=3890665

Family Applications (1)

Application Number Title Priority Date Filing Date
AT98934705T ATE205622T1 (de) 1997-07-25 1998-07-23 Verfahren und system zum bezahlen mit elektronischem scheck

Country Status (8)

Country Link
US (1) US7505944B2 (de)
EP (1) EP0998731B1 (de)
AT (1) ATE205622T1 (de)
AU (1) AU8427498A (de)
BE (1) BE1011304A3 (de)
DE (1) DE69801668T2 (de)
ES (1) ES2161060T3 (de)
WO (1) WO1999005654A1 (de)

Families Citing this family (39)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU2003293125A1 (en) * 2002-11-27 2004-06-23 Rsa Security Inc Identity authentication system and method
US7740168B2 (en) 2003-08-18 2010-06-22 Visa U.S.A. Inc. Method and system for generating a dynamic verification value
US7761374B2 (en) 2003-08-18 2010-07-20 Visa International Service Association Method and system for generating a dynamic verification value
US7818264B2 (en) 2006-06-19 2010-10-19 Visa U.S.A. Inc. Track data encryption
DE102010030905A1 (de) * 2010-07-02 2012-01-05 DAFÜR GmbH Verfahren und System zur elektronischen Abwicklung von Zahlungsvorgängen
RU2011154492A (ru) * 2011-12-30 2013-07-27 Май Партнерс Анд Глобал Старс Инвестментс (Мп&Гси) Лтд Система расчетов электронными чеками и способы выпуска, перевода оплаты и верификации электронных чеков
CN102609842B (zh) * 2012-01-19 2016-02-24 上海海基业高科技有限公司 一种基于硬件签名设备的支付密码装置及其应用方法
US11593800B2 (en) 2012-03-07 2023-02-28 Early Warning Services, Llc System and method for transferring funds
US10078821B2 (en) 2012-03-07 2018-09-18 Early Warning Services, Llc System and method for securely registering a recipient to a computer-implemented funds transfer payment network
US10318936B2 (en) 2012-03-07 2019-06-11 Early Warning Services, Llc System and method for transferring funds
US10395247B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc Systems and methods for facilitating a secure transaction at a non-financial institution system
US10970688B2 (en) 2012-03-07 2021-04-06 Early Warning Services, Llc System and method for transferring funds
US10395223B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc System and method for transferring funds
US20140067661A1 (en) * 2012-08-30 2014-03-06 Strategic Engineering Group, LLC Virtual check system and method
WO2016076807A1 (en) 2014-11-12 2016-05-19 Kkb-Kredi Kayit Burosu Anonim Sirketi Management system for payment by electronic cheque and a method thereof
US10832246B2 (en) 2015-03-23 2020-11-10 Early Warning Services, Llc Payment real-time funds availability
US10769606B2 (en) 2015-03-23 2020-09-08 Early Warning Services, Llc Payment real-time funds availability
US10748127B2 (en) 2015-03-23 2020-08-18 Early Warning Services, Llc Payment real-time funds availability
US10839359B2 (en) 2015-03-23 2020-11-17 Early Warning Services, Llc Payment real-time funds availability
US10878387B2 (en) 2015-03-23 2020-12-29 Early Warning Services, Llc Real-time determination of funds availability for checks and ACH items
US11037121B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US10970695B2 (en) 2015-07-21 2021-04-06 Early Warning Services, Llc Secure real-time transactions
US10963856B2 (en) 2015-07-21 2021-03-30 Early Warning Services, Llc Secure real-time transactions
US11037122B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US11386410B2 (en) 2015-07-21 2022-07-12 Early Warning Services, Llc Secure transactions with offline device
US10956888B2 (en) 2015-07-21 2021-03-23 Early Warning Services, Llc Secure real-time transactions
US11157884B2 (en) 2015-07-21 2021-10-26 Early Warning Services, Llc Secure transactions with offline device
US11151522B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US11151523B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US10438175B2 (en) 2015-07-21 2019-10-08 Early Warning Services, Llc Secure real-time payment transactions
US11062290B2 (en) 2015-07-21 2021-07-13 Early Warning Services, Llc Secure real-time transactions
CN105678534A (zh) * 2016-03-24 2016-06-15 吴豪 一种基于掌静脉识别认证的银联交易系统及装置
US11144928B2 (en) 2016-09-19 2021-10-12 Early Warning Services, Llc Authentication and fraud prevention in provisioning a mobile wallet
US11930439B2 (en) 2019-01-09 2024-03-12 Margo Networks Private Limited Network control and optimization (NCO) system and method
US10931778B2 (en) 2019-01-09 2021-02-23 Margo Networks Pvt. Ltd. Content delivery network system and method
CN112015493B (zh) * 2020-08-27 2023-08-25 中国平安财产保险股份有限公司 外部系统接口对接方法、装置及存储介质
CN112260987B (zh) * 2020-09-10 2021-12-21 西安电子科技大学 一种数字内容保护系统中双向安全认证方法及系统
US11695855B2 (en) 2021-05-17 2023-07-04 Margo Networks Pvt. Ltd. User generated pluggable content delivery network (CDN) system and method
WO2023224680A1 (en) 2022-05-18 2023-11-23 Margo Networks Pvt. Ltd. Peer to peer (p2p) encrypted data transfer/offload system and method

Family Cites Families (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2634920A1 (fr) * 1988-07-26 1990-02-02 Widmer Michel Chequier electronique portable de securite
GB9008362D0 (en) * 1990-04-12 1990-06-13 Hackremco No 574 Limited Banking computer system
US5534857A (en) * 1991-11-12 1996-07-09 Security Domain Pty. Ltd. Method and system for secure, decentralized personalization of smart cards
FR2696567B1 (fr) * 1992-10-02 1994-11-25 Gemplus Card Int Procédé de cryptographie de messages transmis par un support d'informations à un systeme de traitement.
US5794207A (en) * 1996-09-04 1998-08-11 Walker Asset Management Limited Partnership Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers
US5434919A (en) * 1994-01-11 1995-07-18 Chaum; David Compact endorsement signature systems
US5577121A (en) * 1994-06-09 1996-11-19 Electronic Payment Services, Inc. Transaction system for integrated circuit cards
NL1001376C2 (nl) * 1995-05-11 1996-11-12 Nederland Ptt Werkwijze voor het uitvoeren van een elektronische betalingstransactie met een variabel aantal betalingseenheden, alsmede betaalmiddel en stelsel voor toepassing van de werkwijze.
US5809144A (en) * 1995-08-24 1998-09-15 Carnegie Mellon University Method and apparatus for purchasing and delivering digital goods over a network
US5974178A (en) * 1996-10-07 1999-10-26 Advantest Corporation Wavesource image visualization method using a partial division fast fourier transform

Also Published As

Publication number Publication date
EP0998731A1 (de) 2000-05-10
ES2161060T3 (es) 2001-11-16
US20060287955A1 (en) 2006-12-21
EP0998731B1 (de) 2001-09-12
WO1999005654A1 (fr) 1999-02-04
DE69801668D1 (de) 2001-10-18
AU8427498A (en) 1999-02-16
DE69801668T2 (de) 2002-07-04
BE1011304A3 (fr) 1999-07-06
US7505944B2 (en) 2009-03-17

Similar Documents

Publication Publication Date Title
ATE205622T1 (de) Verfahren und system zum bezahlen mit elektronischem scheck
DE69838974D1 (de) Verfahren zum prüfen einer berechtigung
WO1997030409A3 (en) Method and apparatus for generating personal identification numbers for use in consumer promotions
ATE282224T1 (de) Verfahren und vorrichtung um ein programmcode zu beglaubigen
FR2530053A1 (fr) Procede pour certifier la provenance d'au moins une information enregistree dans une memoire d'un premier dispositif electronique et transmise a un deuxieme dispositif electronique, et systeme pour la mise en oeuvre d'un tel procede
EP1428345A4 (de) Verfahren und vorrichtung zur artikelauthentifizierung
TW200511136A (en) A public key cryptographic method of protecting an electronic chip against fraud
DK0873554T3 (da) Fremgangsmåde til at debitere et elektronisk betalingsmiddel
WO2007133274B1 (en) Centralized identity verification and/or password validation
MY137667A (en) Method and system for verifying authenticity of an object
ATE387048T1 (de) Verfahren und vorrichtung zur gegenseitigen authentisierung von komponenten in einem netz mit dem challenge-response-verfahren
ATE492703T1 (de) Verfahren und system zum aufschliessen von objekten
DE50214332D1 (de) Verfahren zur Regelung des Zutrittsregimes zu einem Objekt
EP1046976A3 (de) Verfahren und Gerät, die einen Rechnerbenutzer erlauben, vor der Anzeige von priviligierten Informationen einen System zu Athentifizieren
WO2001082035A3 (en) Method and apparatus verifying parts and parts lists in an assembly
WO2002008974A3 (en) Improvements relating to the security of authentication systems
WO2000054208A3 (en) Methods and apparatus for authenticating the download of information onto a smart card
US20040153417A1 (en) Remotely synchronizing financial authentication
KR950022377A (ko) 이동통신 시스템에서의 진정 사용인증 방법
WO2001080528A3 (en) Method and apparatus for test and verification of field and terminal equipment
TW324816B (en) Set-up method of coin selection criteria data
DE19542781A1 (de) Authentifizierung von Teilnehmeranschlüssen
ATE313129T1 (de) Verfahren zum beglaubugen einer gesamtsumme in einem leser
DE59510815D1 (de) Verfahren und Vorrichtung zum Ermöglichen einer Nachprüfung der Gebührenabrechnung
CN1409255A (zh) 自动声讯电码防伪方法

Legal Events

Date Code Title Description
RER Ceased as to paragraph 5 lit. 3 law introducing patent treaties