AU2001284077A1 - Virtual payment card - Google Patents

Virtual payment card

Info

Publication number
AU2001284077A1
AU2001284077A1 AU2001284077A AU8407701A AU2001284077A1 AU 2001284077 A1 AU2001284077 A1 AU 2001284077A1 AU 2001284077 A AU2001284077 A AU 2001284077A AU 8407701 A AU8407701 A AU 8407701A AU 2001284077 A1 AU2001284077 A1 AU 2001284077A1
Authority
AU
Australia
Prior art keywords
payment card
virtual payment
virtual
card
payment
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
AU2001284077A
Inventor
Gavin James Dean Mcardell
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Sonera Smarttrust Oy
Original Assignee
Sonera Smarttrust Oy
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 Sonera Smarttrust Oy filed Critical Sonera Smarttrust Oy
Publication of AU2001284077A1 publication Critical patent/AU2001284077A1/en
Abandoned legal-status Critical Current

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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • 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
    • G06Q20/34—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
    • G06Q20/342—Cards defining paid or billed services or quantities
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • 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
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
AU2001284077A 2000-09-04 2001-09-04 Virtual payment card Abandoned AU2001284077A1 (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
GB0021671 2000-09-04
GB0021671A GB2366432A (en) 2000-09-04 2000-09-04 Secure electronic payment system
PCT/FI2001/000763 WO2002021767A1 (en) 2000-09-04 2001-09-04 Virtual payment card

Publications (1)

Publication Number Publication Date
AU2001284077A1 true AU2001284077A1 (en) 2002-03-22

Family

ID=9898799

Family Applications (2)

Application Number Title Priority Date Filing Date
AU2001284074A Abandoned AU2001284074A1 (en) 2000-09-04 2001-09-03 Payment system
AU2001284077A Abandoned AU2001284077A1 (en) 2000-09-04 2001-09-04 Virtual payment card

Family Applications Before (1)

Application Number Title Priority Date Filing Date
AU2001284074A Abandoned AU2001284074A1 (en) 2000-09-04 2001-09-03 Payment system

Country Status (5)

Country Link
EP (1) EP1348185A1 (en)
AU (2) AU2001284074A1 (en)
FI (1) FI20002734A (en)
GB (1) GB2366432A (en)
WO (2) WO2002021354A1 (en)

Families Citing this family (16)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2003083745A1 (en) * 2002-03-28 2003-10-09 Matsushita Electric Industrial Co., Ltd. Service processing device and processing support device
US7280981B2 (en) * 2002-08-27 2007-10-09 Visa U.S.A. Inc. Method and system for facilitating payment transactions using access devices
US8229855B2 (en) 2002-08-27 2012-07-24 Jean Huang Method and system for facilitating payment transactions using access devices
GB2399209B (en) * 2003-03-06 2006-09-13 Fortunatus Holdings Ltd Secure transaction system
US7024396B2 (en) * 2003-12-10 2006-04-04 Ncr Corporation Transaction system and method of conducting a point-of-sale transaction between a merchant and a consumer using a wireless platform
AU2005208908B2 (en) * 2004-01-23 2011-08-11 Mastercard International Incorporated System and method for secure telephone and computer transactions
US8843931B2 (en) 2012-06-29 2014-09-23 Sap Ag System and method for identifying business critical processes
US7603131B2 (en) 2005-08-12 2009-10-13 Sellerbid, Inc. System and method for providing locally applicable internet content with secure action requests and item condition alerts
EP1872316A1 (en) * 2005-04-05 2008-01-02 The Standard Bank of South Africa Limited A method of authenticating a user of a network terminal device and a system therefor
GB0510255D0 (en) 2005-05-19 2005-06-29 Ramakrishna Madhusudana Method and apparatus to embed distinguishing tags or raw data within existing data
WO2008154872A1 (en) * 2007-06-20 2008-12-24 China Unionpay Co., Ltd. A mobile terminal, a method and a system for downloading bank card information or payment application information
CZ2007504A3 (en) * 2007-07-26 2008-07-02 Direct Pay, S.R.O. Method of making payment transaction by making use of mobile terminal
IL190986A (en) * 2008-04-17 2016-05-31 Uri Halevi Smart card for safer credit transactions
EP2304663A2 (en) 2008-05-14 2011-04-06 Fundamo (Pty) Ltd Mobile commerce payment system
WO2012030836A2 (en) * 2010-09-03 2012-03-08 Visa International Service Association Protecting express enrollment using a challenge
CN107464109B (en) * 2017-07-28 2020-10-20 中国工商银行股份有限公司 Trusted mobile payment device, system and method

Family Cites Families (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FI100137B (en) * 1994-10-28 1997-09-30 Vazvan Simin Real-time wireless telecom payment system
GB2328310B (en) * 1996-05-15 1999-12-08 Ho Keung Tse Electronic transaction apparatus and method therefor
TW355899B (en) * 1997-01-30 1999-04-11 Qualcomm Inc Method and apparatus for performing financial transactions using a mobile communication unit
FI109505B (en) * 1997-03-24 2002-08-15 Fd Finanssidata Oy Use of banking services in a digital cellular radio system
WO1999014711A2 (en) * 1997-09-17 1999-03-25 Andrasev Akos Method for checking rightful use of a debit card or similar means giving right of disposing of a bank account
US5883810A (en) * 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
SE516066C2 (en) * 1999-01-20 2001-11-12 Netcom Ab Method, system and network node for providing services on the Internet
TR200102424T2 (en) * 1999-02-18 2002-02-21 Orbis Patents Limited Credit card system and method.
WO2000062214A1 (en) * 1999-04-08 2000-10-19 Cleartogo.Com Credit card security technique
FI112286B (en) * 2000-01-24 2003-11-14 Smarttrust Systems Oy Payment service apparatus and secure payment procedure
WO2001055921A1 (en) * 2000-01-28 2001-08-02 Fundamo (Proprietary) Limited Personal information data storage system and its uses
EP1192608A2 (en) * 2000-04-19 2002-04-03 Magicaxess Electronic payment method and device

Also Published As

Publication number Publication date
WO2002021767A1 (en) 2002-03-14
WO2002021354A1 (en) 2002-03-14
AU2001284074A1 (en) 2002-03-22
EP1348185A1 (en) 2003-10-01
GB2366432A (en) 2002-03-06
GB0021671D0 (en) 2000-10-18
FI20002734A0 (en) 2000-12-13
FI20002734A (en) 2002-03-05

Similar Documents

Publication Publication Date Title
AU2001266889A1 (en) Smart card virtual hub
AU2001247367A1 (en) Prepaid debit cards system
AU2001276885A1 (en) Credit system
AU2002213139A1 (en) Electronic payment system
AU2001225402A1 (en) Credit card duplication prevention system
AUPQ558000A0 (en) Cd smart card
AU2001292128A1 (en) Card game
AUPQ716100A0 (en) Multiple credit meter
AUPQ726500A0 (en) Improved card game
AU2001284077A1 (en) Virtual payment card
AU2001230946A1 (en) Anonymous credit card
AU2001254898A1 (en) Multiple application smart card
WO2001095167A8 (en) Virtual marketplace
AU2002217196A1 (en) Payment system
AU2001255419A1 (en) Financial transaction card
AU2349901A (en) Virtual bank
AU2000264753A1 (en) Monetary transaction system
AU2001239167A1 (en) Chip card
AUPQ875400A0 (en) Smart card improvement
AUPQ512400A0 (en) Access transaction card
AU2001292135A1 (en) Card clothing
GB0020122D0 (en) Payment card
AUPQ960700A0 (en) Payment
AUPR149000A0 (en) Payment
AUPQ856100A0 (en) Transaction card system